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 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: Vehicle loan or lease

This account is coming up as a active account on my credit report and is tarnishing my credit with inaccurate amount and showing open repo account. I have called sent in letter talk to credit bureurs submitted written document showing this account was paid in full. This company is harassing me and putting that I missed payments on this account which I do not have this account. I would like this account removed from my credit file.
Product: Credit card or prepaid card

I noticed my Best Buy card balance increased, when I called I was told the balance was due to zero finance interest expiring. I'm being charged {$900.00} on a {$34.00} balance. The representative assured me it would be removed once the {$34.00} was paid which I did while on the call. The {$900.00} has not been removed. Best Buy website does not allow for allocation of payments made. If you're making on time monthly payment additional payments I would think the funds would be allocated to cover charges made on zero interest plans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

im disputing these following accounts. because those accounts are not mine and there are hard inquiry that are not supposed to be there by law. 

following accounts are : UPGRADE INC - ACCT # XXXX XXXX : {$6000.00} XX/XX/XXXXACCT # XXXX XXXX : {$750.00} XX/XX/XXXX-ACCT # XXXX XX/XX/XXXX- ACCT # XXXXXX/XX/XXXX-ACCT # XXXX XX/XX/XXXX - ACCT # XXXXXX/XX/XXXX- ACCT # XXXX AMT- {$2300.00} THOSE ACCOUNTS ARE NOT ACCURATE
Product: Prepaid card

XXXX XXXX XXXXXXXX at US Banks Commercial Banking Division is newly added to the Florida educational scholarship program called, XXXX XXXX for Students. 

Now, over XXXX Florida families are being coerced into utilizing a US Bank card for reimbursements from the educational scholarship program. We have been informed, that we are forced to use the US Bank card for reimbursement purposes or we dont get reimbursed for our childs educational products and services. Its actually printed on the issued card that we forfeit funding if we dont activate it. 

Thank you very much for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian sent me an alert that my credit score had been updated. XXXX reported that I was 90 days delinquent on XXXX XXXX. The United States is on a student loan freeze, and my income based repayment plan was reaffirmed back in XXXX. XXXX said it expired in XX/XX/XXXX, but my payments were {$0.00}. Now, in XXXX theyre saying Im 90 days past due and I have never had an issue until now. Amounts are reported as XXXX, {$7600.00}, {$2500.00}, and {$1800.00}. I have disputes this with Experian and the Ohio Attorney Generals office. I just want the 90 day delinquency removed from my credit report since it hit my credit hard and I have never been late and were on a federal student loan freeze. Since they changed my credit report, they have put me on a forbearance to get my past due balance caught up, and my income based payment plan is back in effect. I have another student loan servicer and I dont have any issues with them or their credit reporting.
Product: Credit card or prepaid card

This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.
Product: Credit card

I am disputing a partial refund by the vendor XXXX XXXX for a reservation cancallation due to an unforseen illness. The property management at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  has confirmed there are no charges that were incurred by the property and have verbaly agreed to a full refund of {$690.00}. 
AT the time of purchase, there was NO indication of a NON - REFUNDABLE purchase - Only when it was clear that I was not able to keep the scheduled reservartion the XXXX communications began to describe the XXXX XXXX " has not approved a full refund '' and maintians this position to date. ALLY has not agreed to investigate of honor my request to " stop pay '' the charger of {$690.00} presented by XXXX.
Product: Credit reporting

I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Product: Credit reporting or other personal consumer reports

My credit was pulled without my permission or knowledge resulting in hard inquiries on my report.
Product: Credit reporting or other personal consumer reports

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX  , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Product: Payday loan, title loan, or personal loan

I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Checking or savings account

Hello, On XX/XX/XXXX, I received a promotional email HSBC regarding my checking account ( see attached PDF. In short, during the 6 months ( starting XX/XX/XXXX and ending XX/XX/XXXX ), customers would earn {$180.00} for performing specific actions -- " Earn {$15.00} per month when youMake 10 new purchases per month using your eligible HSBC Mastercard card ( s ) earn {$15.00} per month for 3 bill pays per moth ''. 

Although I faithfully followed the terms, it has been very difficult to get HSBC to properly credit my account as per above. After many interactions with customer service, they've finally credited me {$90.00} ( {$15.00} x 6 months ) for the " bill pay '' portion of the promotion. 

They're not crediting my account the additional {$90.00} ( {$15.00} x 6 months ) for the " using card '' portion of the promotion.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint regarding inaccurate information on my credit Bureau reports. 
My personal information was leaked in a credit bureau database breach and I've been a victim of identity theft as a result of the data breach. 

I'm writing to formally dispute inaccurate information on my Experian, Transition, and Equifax credit reports that is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing 'sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I'm deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being reported.
Product: Bank account or service

My Bank of America card was used taken and used without my knowledge to create unauthorized and fraudulent charges on my account. I did not give anyone permission to do any of the fraudulent transaction. When I discovered the fraudulency, I immediately notified Bank of America. I stated there were fraudulent transactions on my account and the BOA Fraud Rep filed my claim and told me a credit would be made as well as the card would be canceled, and I would need to return the sent documents from them. I then went to the Police and filed an ID Theft police report as directed and a ID Theft Federal Trade Commission 's ID Theft Affidavit. I sent these documents via USPS Certified Mail with Return Receipt ( see attached ). I also went into the Bank of America branch and had the representative fax also a copy to the fraud department with the the claim number given. Bank of America credited my account for the fraud transactions and then later stated they never received any documents such as the ID Theft Police Report, therefore removed the credit from my account. This IS NOT TRUE. You will see the name of the Fraud rep I spoke with, the claim number, the police report, ID Theft affidavit, copy of the certified mail I sent which also had a return signature receipt that they did not accept and denied to sign. The USPS Certified Mail CONFIRMED Bank of America received my documents and if they are saying they did n't, then who did? I also had the documents FAXED my their own employee of BOA and BOA said they did not receive that also! Who obtained my PERSONAL and SENSITIVE information! This is a violation of my Privacy Act rights, California. I am exhausted trying to resolve this by calling them, going in person to the branch, speaking to the staff, writing them and faxing them. I need CFPB to help me resolve this issue so I can move forward and return to my account in good standing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im really frustrated after finding several inquiries from your company on my credit report that I never agreed to. Its messing with my credit score and making it harder for me to manage things financially.
Product: Checking or savings account

THIS HAD TO DO WITH U.S. BANK AND I HAD ALREADY MADE A COMPLAINT, BUT BECAUSE THEY ARE BETTER EQUIPPED TO TO GIVE A BETTER RESPONSE THAN MY CLAIM I LOST, AND THAT WAS NOT EVEN FAIR, AND THEIR RESPONSE WAS NOT ON POINT, MY COMPLAINT WAS OVER SUM TRANSACTIONS THAT THE BANK HAD MADE AND THE AMOUNT OF TIME TO BE DOING THIS TIMED OUT ON THEM, NOT ME, THEY PLACED ME AT FAULT, AND I WAS UNDER THE IMPRESSION THAT MY BANK IS SUPPOSED TO PROTECT MY BETTER INTEREST, AND WENT LIKE THIS, I WAS MAKING PAYMENTS OVER A 10 MONTH PERIOD, WHEN I WAS DONE MAKING PAYMENTS THAT EQUALLED {$7800.00} I COULD NOT REACH THEM ... .. I HAD MY BANK RECALL THOSE 10 PAYMENTS AND THEN THEY CONTACTED ME, AND TALKED IT OUT, AND AT THE SAME TIME THE BANK IS SENDING ME LETTERS STATING THAT THEY CAN NOT ASSIST ME WITH MY DISPUTE AND SO I WENT TO THE BANK AND HAD A MONEY ORDER MADE OUT TO THE SAME PARTY THAT I HAD THE 10 PAYMENTS RETRACTED FROM AND I DELIVERED THE PAYMENT FOR THE TOTAL AMOUNT MYSELF TO THEM AND THEN MY BANK STARTED PUTTING THE 10 TRANSACTIONS BACK INTO THEIR ACCOUNT AGAIN???? AND THEIR REASON WAS, THEY SAID I DID NOT RETURN THE LETTERS THAT THEY SENT TO ME ONLY 1 OR 2 OF THEM MADE IT BACK, SO I CALLED THE DISPUTE LINE AND EXPLAINED WHAT WAS GOING ON, AND I HAD THEM SEND ME THE LETTERS AGAIN, AND I FILLED THEM OUT AND EXPEDITED THEM BACKIN THE MAIL, AND THEN THE BANK STARTED TO BRING THE 10 TRANSACTIONS BACK TO MY ACCOUNT AGAIN, EXCEPT THIS TIME ONLY FOUR OF THOSE TRANSACTIONS WERE COMPLETED AND THE REST THEY ARE MAKING ME THE RESPONSIBLE ONE FOR IT AND THEIR EXCUSE FOR IT, IS THAT THE TIME ALLOWED HAD BEEN EXCEEDED AND I DONT UNDERSTAND HOW THAT TRANSLATES INTO ME BEING RESPONSIBLE FOR THAT? BECAUSE BY THEM INITIALLY BRINGING BACK ONLY FOUR OF THE TEN TRANSACTIONS TRANSLATES INTO THEM REALIZING THAT THEY MADE A MISTAKE AND WERE IN THE PROCESS OF FIXING IT AND THEN STOPPED, IM NOT DOING ANY OF THIS STUFF, ITS ALL THEM PUNCHING THE KEYS AND NOT ME, BUT BECAUSE THE REPORT THAT THEY SENT BACK SOUNDS BETTER THAN WHAT I WROTE DOWN AS MY COMPLAINT I LOST, AND THE ONE GIVING THE REPORT WAS NOT EVEN INVOLVED, SO HOW CAN HE EXPLAIN BACK WHAT HAPPENED, ESPECIALLY WHEN THERE WAS MORE THAN 10 PEOPLE I SPOKE WITH, I DONT KNOW HOW MUCH MORE UNFAIR THIS COULD BE? I AM STILL NOT GOING TO PAY THEM, I KNOW RIGHT FROM WRONG AND THIS IS WRONG ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information in the amount of {$2700.00} from XXXX XXXX XXXX  XXXX XXXX XXXX  on my credit report and refusing to remove it and also refusing to send me proof of the debit that they are saying is owed I asked them to send me the purchase agreement and the original contract with that date and my signature to verify they instead sent me a letter that says we verified the debit as accurate as its no actual proof I sent them the request in writing certified mail and this inaccurate information XXXX is now impacting me negatively
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  and 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 me 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 reported to be removed.

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. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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!

Delete the late payments from my consumer reports