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

I am filing 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 on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 disputed to EQUIFAX two accounts with missing and inaccurate information, XXXX XXXX and XXXXXXXX XXXX that keeps showing up on my equifax credit report, I do not identify them or have knowledge of them and they are full of FCRA violations, I disputed these violations with them several times and they still won't remove these fraudulent accounts from my credit report. XXXX, XXXX and XXXX complied with my disputes and removed the accounts from my reports with them, I will upload copies of my XXXX and XXXX XXXX reports to verify this .I will also upload my current Equifax credit report that shows the missing and inaccurate information that pertains to these accounts. I also was a victim of the Equifax data breach, my information was compromised by that breach, I will upload my information collected pertaining to that breach.
Product: Mortgage

My loan administrator, Amerihome, sold my loan to another bank without any communication to me. I found out about the transfer after I noticed that my XXXX automatic payment had not been deducted from my account. I tried to log in to the online service for the past few days, struggling as they were having a technical glitch. I finally spoke to a customer service representative today via web chat where I was told that my loan was sold, I was provided a phone number to call at the new bank and nothing else. The representative then ended the conversation abruptly without any further information. 

I have since been able to contact my new bank and set up payments, luckily I am within the 60 day period to make my first payment so I am not subject to late payments. However, I am furious with Amerihome for putting my credit and my home at risk by not performing their due diligence to inform me of the mortgage transfer. Had I not been paying attention to my bank statements, this could have been catastrophic for me and my financial credit. 

Consumers should not have to undertake investigations to be able to comply with agreements that they make with these banks. Amerihome 's behavior is entirely unacceptable and puts consumers at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one. 


All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off. 

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.
Product: Credit reporting or other personal consumer reports

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Product: Debt collection

Back in 2019 I went to the hospital bc of my XXXX  hurting and I gave XXXX XXXX my Insurance info I was working for XXXX XXXX  then and advised that it wasn't a car accident and they never billed my insurance and billed for auto and never stated it was. And I am not paying for a bill that I provided you my insurance for
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Agency, I am writing to bring to your attention a serious issue involving 700 CREDITXXXX XXXX XXXX and their unlawful violation of 15 U.S. Code 1681b, the Privacy Act of 1974. This law establishes a set of rules for how credit reporting agencies and other financial institutions can collect, use, and share an individual 's credit information. 

I recently discovered that 700 CREDITXXXX XXXX XXXX has forcibly placed an inquiry on my credit report without my consent. This is a clear violation of the Privacy Act of 1974, as the law requires that credit inquiries be made with the consent of the individual whose credit is being checked. 

I am requesting your assistance in addressing this issue and ensuring that 700 CREDITXXXX XXXX XXXX complies with the provisions of the Privacy Act of 1974. Specifically, I am requesting that 700 CREDITXXXX XXXX XXXX immediately remove the inquiry from my credit report and provide me with written confirmation that they have done so. 

I also request that 700 CREDITXXXX XXXX XXXX refrain from making any further inquiries or using my credit information without my consent. 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, no-verbal per 15 U.S. Code 6802. I will report and make a list of demands on the CFPB site. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If 700 CREDITXXXX XXXX XXXX does not take the necessary steps to address this issue, I reserve the right to take further legal action - federal lawsuit. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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

TransUnion allowed several companies access to my consumer report with authorization from me. What purpose did these companies have to pull my consumer report? I have did no business with these companies and did not give them permission to pull my consumer report which means Transunion failed to follow federal law which requires companies to have a purpose to pull consumers reports. I request TransUnion to provide me with the documents that has my wet ink signature that states I did allow these companies to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of
the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX VISA credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges/transactions on the account.
Product: Credit card or prepaid card

On XX/XX/2021, I made a purchase from XXXX totaling {$280.00}. Because of personal issues out of my control, that same day I had to cancel flight. Within 2 hours of booking I called XXXX ( whom refunded ) my {$280.00}. I tried to contact XXXX to also inform them of the change. I called over 16 times and I could not get a reply. I sent serval emails that same day, and no reply. I did a dispute with my credit card company ( Capital One ) the very next day. I was given a credit and also requested further information, such as cancellation email from XXXX and also documentation of conversation with XXXX. I was also required to write a statement by ( Capital One ) to provide further details. Its been over a month, Ive provided all requested proof required by ( Capital One ). 
( Capital One ) Whom sent a mail, stating that they decided to charge me {$280.00}. For a service that was refunded back to my account. I never got my credit. Per airlines rule, your given 24 hours time to cancel in order to get full refund back. I did and my money was taken. Which violates my consumer rights 15 usc 1692b ( 5 ).
Product: Debt collection

They call continuously without leaving a single voicemail. I blocked this individual number after XXXX calls within XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal data reporting is inaccurate.
Product: Mortgage

I closed on a HELOC for $ XXXX with PNC on XX/XX/2018. At closing they offered to transfer $ XXXX to our checking account. We specifically declined this offer, and did not sign the paperwork to authorize the transfer. On XX/XX/XXXX I observed that $ XXXX had been transferred to our checking account without our permission. PNC is not able to say how or why this happened.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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: Vehicle loan or lease

A letter was sent to me explaining my final payment due in XX/XX/XXXX from XXXX XXXX XXXX XXXX. Since then I received two phone calls in the same day XX/XX/XXXX which I could not answer as I was at work. No message was left on my phone for this. On the same day my husband who is not on the lease received a phone call and a message was left with him discussing my personal NPPI as to the detail of they are trying to collect a debt and the dollar amount they are looking to collect. I did not give consent of contacting my husband as he is not on this lease with me. I feel this is a violation of Privacy, FDCPA and this is a deceptive practice. There have been a number of complaints about this on the XXXX XXXX XXXX about this company doing this as well.
Product: Credit reporting or other personal consumer reports

Grow credit is violating fcra and consumers rights. 
This account was closed in good standing prior to any charges that they are claiming. It's closed. Has been. If they have an account when they claim late payments occurred, it's fraudulent. They won't investigate that because I had a previous legitimate account. When I prove them wrong they change dates and re-report. They need to be looked at if it's for a subscription that I didn't order etc. All legitimate charges ever made on this account were paid on time and in full.
Product: Credit reporting or other personal consumer reports

Lvnv Funding is in violation of Texas debt collection practices as well as consumer privacy laws including fcra and fdcpa. I have repeatedly put them on notice and filed claims with the cfpb. Now complaining with the IRS and the OAG. 

Lvnv Funding nor its associated company Resurgent Capital Services are licensed in the State of Texas to collect on Debt. They have ignore previous disputes.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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 of a personal credit card collections accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Please see attached documents. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Product: Debt collection

They have called my husband repeatedly and have left voicemails letting him know of this debt and given out my personal information to him.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accorance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the right to privacy.

15 Usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : a creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2022 they are violating FCRA guidelines. I have proof of payment as well.
Product: Debt collection

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Product: Credit card or prepaid card

This is a complaint on CiTi card. I have two accounts that I have and citi decided to lower my available credit to the same amount as what I am owing! By doing this this hurt my credit score by almost 20 points. Customer service was terrible as to why this happened! He said because I was not making payments! Flat out lie as I have never missed a payment! Customer service sent in another request to see if they can reverse it and yet again they ran my credit! This again hit my credit score! THIS IS UNACCEPTABLE THAT THEY ARE DOING THIS! Why would they do this if Im a loyal paying customer and ruined my credit score!