23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/2018 to Experian which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I have not received a response from Experian to this letter and the accuracy to the report. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but also failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i was notified of a breach in sensitive information.. my identity was stolen and my credit report has inaccurate information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested vailadation on XX/XX/XXXX from XXXX XXXXXXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash Apps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Cash app numerous times and reporting discrepancies My financial institution and Cash app failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that the tracking these transactions was unfeasiable.The CFPBs findings indicate that CASH App has only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

I was never notified that I had an outstanding balance with the XXXX XXXX XXXX XXXX XXXX. I have an still enrolled and have paid for clasees now and have not had a notice of delinquency. I also never received notification from CONSERVE collection agency was attempting to collect a debt. I found out by looking on XXXX XXXX. 

The account with Conserve was paid on XXXX. It is still however being reported in XXXX. So my paid collection is not 11 months old it is 1 month old or new, drastically lowering my credit score.
Product: Credit reporting or other personal consumer reports

There has been hard inquires made to my account that I'm not aware of
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- XXXX Called and was stated to file complaint with FTC XXXX 
Fraudulent Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX ) Company- Equifax Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Company- XXXX Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.
Product: Debt collection

My contract by XXXX solar has been nullified due to the agreements listed in my contract. That state if titan goes bankrupt or fails too address warranty and or install issues. That contract is too be terminated. I paid for multiple warranties. Including a XXXX  year warranty. And a separate several year warranty on the other installs. Paid for through the same contract. XXXX solar went bankrupt and is no longer in business. 

XXXX improperly out of code endangered my life. Failing to install a gas line proper and legally. And failed too address this issue. I could not turn on the gas until I paid additional thousands to bring things too code. 

I took pictures and saved documents. 

As on the same contract I was charged for XXXX. But the work was not performed as I was left with XXXX gaping holes in my ducts that were just left open into my attic space. When the point of aeroseal is too seal and pressurize ducts according too energy star practices on aeroseal. XXXX has never fixed anything they failed to do properly the first round. Costing me XXXX of thousands in dollars in repairs and untold stress. And potentially health issues due to the myriad of other issues XXXX and googleap have both left me with. 

Goodleap was informed back in XXXX and now it's been over a month and XXXX movement. 

But they are charging me for services not rendered too me. And reporting too the credit agencies negative information. All the while knowing from all the docs and details I sent previously, that the whole install including my roof leaking due too improper install. Which is supposed too be under warranty as well. But I'm the one that's had to pay for everything. 

Goodleap doesn't care and continues to have a UCC filing against my property and negative reports too the credit agencies. 

Knowing this is borderline fraud. Theft of services. And now abiding by the very contracts I signed. 

I've only received delay tactics from this fraudulent agency. This agency has already lost several suits ( arbitration etc ) in regards to people with similar issues as mine. 

I do not want this equipment anymore.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX 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

I wasn't sure how to list this. But Venmo, blatantly violated the protocol listed in the ETFA procedures listed for disputes. In this case, my account was frozen on suspicion based on a dispute filed by another Venmo user. They sent the emails informing me they were taking XXXX out of my account, in 3 transactions, identical to the original, at the exact same time as removing the funds, dropping my account to XXXX, directly after the dispute was filed, that clearly panned out to be a lie. I was told they had 75 days to clear the matter up. The ETFA regulations say 10, evidence in 3, and you can get 45 if they'd provisionally given the disputer the money. Upon informing them what they did was illegal, in fact, they violated any and all debt collection laws I can find, they manipulated the account 's financial data, poorly. I had a few back and forths, an agent confirmed the removal of the funds happened the same day the dispute was filed. I was told if I recieved XXXX in my account, it was settled. My irreversiblely closed account that I requested, got, and activated a new debit card on afterwards. The money was put onto the account quite some time later I was never supplied any evidence, and upon further inspection, I discovered Paypal, XXXX, and Venmo are operating on an expired Chaoter 217 license in Wiscinsin. You should see the fines listed, should Wisconsin be made aware. I asked them to unfreeze the funds, so I could just take them, and be on my way. Rhe emails I have clearly dictate the funds were awarded to me by the original creditor. They inforned me they could keep the funds from a 90+ day old dispute, that were said to be paid back to me, for an additional 180 days. They promptly paid themselves the funds. So I did what I'd done with XXXX. I blew them up on social media, as my account was even opened on their defaulted licensing. The Wisconsin license, as Seller Of Checks, that states they can not act nor hold a balance or " account '' as on like a bank, in any way. They sloppily tried to change the information in my account, sent 2 more emails stating I was awarded an additional XXXX total, I chalk that up to sloppy automated emails, but still, they read clearly. They then deleted all messages on the account, and Paypal, poor guys, pretty much ignored me on the subject. The evidence on this one, well, 1 transaction with the disputing party says we'd never had a transaction, the other 2 show what he'd written, and the evidence his account seriously violated their terms and conditons, they blocked me from. But I'd learned over the course of my recovering from identity theft. I have proof of it all. Multiple illegal transactions, ETFA violations, operating on an expired license, redacting, manipulating, deleting, and changing financial records, and fraud. I'm probably missing a bunch, but I just finished the long winded rant about the other one. And I still need to compile evidence for arbitration on another. You get your identity stolen, and things get odd fast.
Product: Credit card

Macy 's has adopted a " minimum interest charge '' of $ XXXX/month - regardless of the balance due at the time interest is calculated. If the balance due is {$0.00}, for instance, the {$2.00} minimum would reflect a??? insane rate of interest. Does n't seem fair.
Product: Checking or savings account

XX/XX/27 {$790.00} I filed a claim and was denied XXXX times. I have provided supporting documents.
Product: Credit reporting or other personal consumer reports

Around XXXX XXXX, 2023, I reached out to my then loan servicer, XXXX XXXX, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, XXXX XXXX  approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called XXXX XXXX  requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


XXXX denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

XXXX informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called XXXX again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called XXXX to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, XXXX sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on XXXX 's application. I was instead offered an untenable loan adjustment after XXXX destroyed my credit.
Product: Bank account or service

I have been a client with Bank of America since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the " perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted BOA and was informed I had been charged this fee since XX/XX/XXXX because my " fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX Balance : {$2800.00}.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
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 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 ( 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 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: Money transfers

my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me.
Product: Checking or savings account

On XXXX XXXX I went in to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to purchase some food and gifts for a XXXX XXXX XXXX birthday party. I used self checkout and the machine malfunctioned and said it did not process my order. So the cashier did an override and processed my payment at her station which resulted in a XXXX cent difference for some reason. I found out later that this particular XXXX had issues with over XXXX card users payments on this particular day. 

I was charged twice for my items. The incorrect charge is XXXX. The correct charge is XXXX. I will attach the original receipt as documentation. 

I went in to this XXXX 5 times to try to get their customer service to correct their error. They kept telling me it was pending and hadn't processed yet and would take care of itself. It never did. It still shows both charges on my debit card even today months later. I do not go to XXXX everyday. And even if I did it would be very difficult to get the exact amount minus a XXXX. 

I have fought with Keybank for months ( called customer service 3 times, emailed with receipts and paperwork from XXXX showing the first transaction as cancelled, and responded to letters in the mail ) to try to get this resolved and because of the XXXX cent difference they will not do anything. I am so exhausted and feel completely defeated and let down by both XXXX and Keybank. It is unacceptable to charge your client double and not make it right. I will attach my documentation.
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX The email reads : Dear XXXX XXXX XXXX Debt Description : Badcock Account Number : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX The purpose of this letter is to advise you that XXXX XXXX XXXX XXXX XXXX is the new owner of the above-referenced account. Accordingly, please include the XXXX Reference Number on all correspondence. 

No collection efforts will occur on this account for at least 30 days from the date of this notice. 

The debt to XXXX was paid in full on XX/XX/XXXX to Avante USA for the agreed amount. I have not heard of this creditor nor do I owe them. And I have proof of paying the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2 Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and frustrating situation regarding the reporting of inaccurate information on my credit file. Despite my numerous attempts to rectify the issues related to both a late open account and the presence of charge off accounts, the inaccuracies persist, negatively impacting my creditworthiness.Under the Fair Credit Reporting Act ( FCRA ) it is the responsiblity of the credit bureau 's to correct or remove the said accounts in my credit file. 
I am now submitting a formal complaint and urge the credit bureaus to conduct an immediate and comprehensive reinvestigation into the reported inaccuracies, including both the late open account and the charge off accounts. 

I am deeply frustrated by the persistence of these inaccuracies, which have significant consequences on my financial well-being. I trust that, given the gravity of these matters, your team will prioritize these issues for immediate resolution. I am asking for your assistance to correct these late open and charge off accounts in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card or prepaid card

I have always paid my personal credit card, a Chase XXXX XXXX, on time and have had this account since 2009. The credit card company closed my account without any warning or to my knowledge. Somehow I became liable for a business credit card also through Chase Bank, a Chase XXXX card under XXXX XXXX, XXXX. I am not a member of XXXX XXXX, XXXX. Chase Bank keeps reporting late payments on this business card to my credit but won't provide me the application where I signed up for this. I never signed up for this account. I am a victim of fraud and Chase Bank refuses to help and continues to damage my credit history. This is a business account yet somehow it states on my credit report that it's an individual account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

Got a card from XXXX  XXXX and was approved for {$300.00}. Made a transaction and paid for it XXXX and tried to get approved for {$500.00} and was denied. XXXX XXXX closed my account XXXX and said I owed about {$900.00} and tried to collect on a debt paid. I just got a bill 2 week 's ago and they reopened a XXXX XXXX XXXX debt on my credit report with an attempt to collect money not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to XXXX in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to XXXX  for the debt of XXXX XXXX for {$51.00}. I also wrote letters to Experian for the debts of XXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.
Product: Consumer Loan

Honda is reporting my account to the credit bureaus as a current charge off with a 30 day late payment in XXXX 2009. This is not accurate and needs to be updated.