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

XXXX XXXX ACCOUNT NUMBER- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
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
Product: Credit card

Over the past year I have been charged a monthly fee on my credit card for a service that I did not agree too. I was told It would be refunded back to me however it did not. When I would call to resolve the issue I was hung up on XXXX seperate times and ignored. This was a debt protection fee that turned out to be a scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of inaccurate late payment entries appearing on my credit report. As a consumer, I have rights protected under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ), which I believe have been violated in this case.

Under 15 USC 1681, Section 604 ( 2 ), my right to privacy appears to have been contravened, given that these late payment entries have been reported without my express written permission. Additionally, 15 USC 1666b states that all, requisite conditions must be met for a payment to be deemed late. I hold that these requirements have not been adhered to in my situation.

Consequently, I am formally requesting the immediate removal of all cited late payment entries from my credit report. Failure to rectify this situation may result in legal action on my part. Furthermore, I reserve the right to increase the demand I anticipate a response within XXXX days of this letter 's receipt, confirming the removal of these late payment entries from my credit report. Further non-compliance will leave me with no option but to pursue legal redress. 

Thank you for your prompt attention to this issue. I trust that you will take the necessary steps to correct these inaccuracies. These matters will also be reported to the XXXX XXXX, the XXXX XXXX XXXX office, and the office of XXXX XXXX 




Each and every late payment that has been reported should be removed from my credit report upon receipt of this letter. 
I have previously issued notices regarding this matter and the illegal credit transactions appearing on my report. Non-compliance with this request will push me to take legal action against all the parties involved. 
XXXX XXXX XXXX illegal late payments, XXXX Balance XXXX  XXXX XXXX XXXX payments, account : XXXX Balance XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payments of XXXX} XXXX XXXX illegal XXXX late payment of XXXX XXXXXXXX XXXX illegal XXXX late XXXX XXXX XXXX closed XXXX XXXX illegal late payment paid off closed XXXX XXXX XXXX XXXX late illegal payment account XXXXXXXX XXXX} I have attached my letters for your review
Product: Money transfer, virtual currency, or money service

Complain between bank to bank communication : XXXX XXXX  tried ( with 3 attempts ) to recall the wire transfer per customer request and Chase Bank denied it. XXXX XXXX  close the case without any answer. 

Can the XXXX banks have a better communication for recall wire transfer or any other issue? Can someone track that communication? Why Chase denied the communication? 

Complain with Fraud business account : Chase bank opened an fraud business account : XXXX XXXX XXXX with Agent name : XXXX XXXX, XXXX, XXXX. and they closed after a few months later. Our detective placed an Search Warrant for the fraud business account more than a months ago with no answer yet.

Why the Police department has to wait for a months for an Search Warrant 's answer?

Please help me to resolve all the banking issue. Thank you,
Product: Debt collection

I settled on a judgment in 2007. The same company has filled the same judgment seized my XXXX account for the exact same judgment. 
I suspect that is happening to other people who dont know. But not limited to people who died from XXXX and its variance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WSFS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Consumer Loan

The week of XX/XX/XXXX I purchased a TV from XXXX, A recently dissolved business. Immediately after purchase in XX/XX/XXXX, I contacted Synchrony Bank and XXXX XXXX, but mostly Synchrony bank re an extension of a promotion to extend payment period of NO interest charged from 6 months to 12 months. There is a recording on file and a date and a customer service agent attached to this extension. Synchrony bank refuses to honor this agreement and have sent to Synchrony management allthe documents given to me by the Insolvency agents that state that Synchrony is resposible for this issue. They also state that the store, XXXX XXXX, owes me a store credit. 
I 'm tired of asking Synchrony to fix this issue.They may tell me how much acrued charges are to attach to the estate XXXX. but they refuse to ackowledge anything. They keep asking me to contact a business that has been dissolved and the issue at hand, is the extension issued by during the recorded call they refuse to investigate. The date of this call is the date Synchrony began to collect {$110.00} dollars a month instead of the minimum. All of this done with calculation to conclude succesful payment with no interest before the due date XX/XX/XXXX. Please help me because if there were a court to take this bank to and subpoena the recordings of customer service, I would do it. Ihave submitted all emails relating to the discussion with a lawyer from XXXX XXXX estate insolvency group to Synchrony Bank. Please ask the Bank for this as this makes my argument real clear. I have in my records of e mails this also.However I am unable to upload it here.
Product: Debt collection

TransUnion is reporting a credit card debt on my credit report and refused to give me any information that associates my identity to this collection, nor have they provided any contracts, statements or evidence that supports what they are reporting and it is damaging my credit score. I have requested that they send me debt verification that links my identity to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT HAVE TO BE SPECIFIC AT ALL WHEN YOU HAVE DOCUMENTATION THAT I SENT CERTIFIED MAIL. YOU WILL BE SUED. REMOVE ALL NEGATIVE INFORMATION SUCH AS FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX AND ALL INQUIRIES ( ALL INQUIRIES ) OFF OF MY REPORT! EQUIFAX YOU ARE STILL IN VIOLATION OF BREAKING THE LAW. 

EQUIFAX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( XXXX XXXX, EQUIFAX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! 

I NOW WILL BE GETTING THE ATTORNEY 'S GENERAL, THE XXXX XXXX XXXX, LOCAL AND NATIONAL TELEVISION STATIONS INVOLVED!
Product: Credit card or prepaid card

I spoke on the phone with XXXX from your Billing Dispute department from Kentucky on XX/XX/19, and she opened the dispute ( XXXX ) because she mentioned that the correct reason for this dispute is that I have not received my order. Up to this day I do not have any merchandize and I lost {$3700.00} so I am left with nothing.
Product: Credit reporting

In XXXX of XXXX XXXX changed from XXXX Bank to XXXX Bank. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
In XXXX of XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XXXX XXXX as well as today, XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the initial switch, and XXXX in XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to zero.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am submitting to bring to your attention a matter of utmost importance regarding the handling of files associated with an FTC fraud report. It has come to my notice that, despite being sent with an FTC fraud report, files are not being promptly removed. As a victim of identity theft, I am submitting this request for the removal of fraudulent items from my credit file, stemming from the alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I wish to emphasize that you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. This matter has been previously addressed in my earlier correspondence, and I am reiterating it now with another FTC Report, referencing # XXXX. I must express my concern regarding the accuracy of the information provided on these items, as they were unknown to me and have been successfully removed from other bureaus. Consequently, I have reservations about the reporting accuracy shown on the credit report you provided. Below are the specific items that require immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00XXXX XXXX XX/XX/XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am not indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX OUTP ) Account # : XXXX Date Opened : XX/XX/2019 Balance : {$670.00} ; SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00}
Product: Payday loan, title loan, or personal loan

I have loan I applied for 60 days ago. i have a XXXX credit score and a DTI of 25 %. i wasnt hearing anything so i called in and was told my dti was too high. I have only one debt ( my mortgage ) and a XXXXk base. i left messages with several managers at Loandepot but i could not get a single call back. all i wanted is someone to explain how the DTI was being calculated but i could not get a single call back. i left voicemails and emails for the loan processor supervisor 3 times and emailed. the loan processor supervisor 's boss. the loan office and the loan officer 's supervisor. no one could be bothered to call me. the last time i spoke with XXXX XXXX she couldnt explain any steps she had taken and just repeatedly told me that i should be just grateful that she called me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please 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
Product: Credit reporting or other personal consumer reports

I noticed inaccuracies on my credit report related to 15 USC 16c-2, as some hard inquiries were not authorized by me. Kindly delete these unauthorized inquiries at once.
Product: Payday loan, title loan, or personal loan

This collections account was applied for and received by my mother using my personal and bank account information due to not being able to receive loan in her name. Ive tried reporting this issue and got denied of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  Other accounts : 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  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I called Synchrony Bank to let them know that I wanted a paper bill without the charge of {$1.00} a month for the paper bill. I also asked can they provide to me in writing where it states in the terms and conditions that they can charge me this {$1.00} each month for providing a paper bill. They told me that they can change the terms when they want and that they could not provide that in writing. I think that this is ridiculous and that this should be investigated to find out how a bank can change the terms and the consumer is supposed to bow down to their conditions.
Product: Student loan

Nelnet is employing predatory practices to extort borrowers. I applied for Income Driven Repayment plans, was not updated on its status, and called numerous times for updates. On each call, usually hours long, the associate would tell me not to worry, and that I would receive an approval soon. This began in XX/XX/XXXX. 

By XX/XX/XXXX, I still had not received that information, and they notified me that a payment was coming due. I called again, and this time spent nearly 3 hours talking to an associate. It turns out Nelnet had never processed the application. I worked with her to get it approved right there and then, and to apply the forbearance to the previous months. She said it was completed, and sent me official documents stating I had {$0.00} payments through XX/XX/XXXX. 

Today, XX/XX/XXXX, I received an email stating there were now over {$2000.00} in payments due, including a {$1800.00} charge that was 131 days past due. 

If I wasnt tenacious and frustrated to the point of fury, I could see how Nelnet would prey on someone who might just pay the charge and get further into financial ruin. 

This is completely unacceptable, and it is in line with a long string of predatory behavior. Nelnet recently lost a class action lawsuit around the same matter in Massachusetts. They are not fit as a lender, and are more fit to sell used cars as that is the kind of practices theyre employing.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION ON MY REPORT WAS NOT VERIFIED ACCURATE I CONTACTED THE COURT AND THEY STATED THEY DO NOT REPORT TO ANY CREDIT BUREAUS the claim that USBK COURT EASTERN MICHI and or public records verified the account they are reporting is accurate.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 

Also, Experian said they investigated my claim and have " verified '' my inquiries only but they are still reporting inaccurate information My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX  XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements
Product: Credit card or prepaid card

Comenty Bank acknowleged my concern and stated via secure messing to continue my account by aloowing me to use an alternative method to continue paying my account. 

However, they have used the excuse that since they no longer own the account they can not access the files to review and follow thru on there obligation. XXXX XXXX XXXX would not cooperate on accessing the secure messiging system when asked.