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

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
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 of these violations.
Product: Mortgage

On XX/XX/2019 I submitted my mortgage payment online and it was deemed " effective '' on that same day. The monthly statement states that payments must be made before the XX/XX/XXXX of each month or late payment penalties would apply. The company did not process the payment until 3 or 4 days later and proceeded to send a threatening letter on XX/XX/2019 stating our loan was " delinquent '' and that our loan was presently in " Default '' despite the digital portal used to make the payment stating our effective date was on XX/XX/2019. This happened almost identically in XXXX and I called the company and stated I didn't want this threatening letter sent, that also threatens a negative credit report sent to credit reporting agencies, when the system I used is digital and the payment date should be readily available for them to determine that threatening delquincy and negative credit reporting is unfounded in this situation. Moreover, this company does not practice as a typical mortgage company. Their practices are more aligned with that of a collections agency even to the point of attaching a notice stating they are " a Debt Collector ''. We have never missed a mortgage payment and due to the terms of our employment and how we are paid by said employment, this is how we have to make payments at this time. I do not appreciate these threatening letters and I do not deserve to be treated as though we're not paying our mortgage. I want my mortgage sold to a proper mortgage company and not held by this falsely labelled Debt Collections Agency. I should not have to pay for a refinance to have this company removed from my loan for their dishonest practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon to whom it concern, In the past few months, I have been trying to fix my credit due to the fact that I am trying to buy a house and my credit is very important in this matter. I recently reached out to credit acceptance to try to resolve a problem about my credit report. We came to an agreement that if I pay XXXX they will close my account, I then asked them will this {$260.00} delete this negative item off my credit report they told me no. I then asked if I could pay to delete and not pay to close they told me that they do not delete anything off your credit report. according to the XXXX this is a volition of my rights. My first letter stated that " every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validatedXXXX XXXX is not verification, might I add. I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. '' I was not provided any proof from the above details. I am asking for help. 

Thank you for you time
Product: Checking or savings account

My complaint concerns TD Bank. I have been a customer in the XXXX area since XXXX, with checking, savings and credit card products. In XXXX of XXXX, I went in to my branch to update my Savings account to one with the best interest rate ( from their 'High Yield Savings Account ' to their 'TD Select Savings Account ' ). The savings account I chose had tiered interest rates based on the account balance, and a 'rate bump ' ( a higher band of interest rates at every tier for having additional linked accounts, like their Visa credit card ). I fulfilled all the requirements for their best interest rate, and left satisfied with the product I had signed up for. Since XXXX of XXXX, I have periodically monitored the interest rates by going to the TD Bank web site, and was pleased to see that they remained reasonably competitive. However, when I recently did the math based on interest credited to my account, I discovered that I was getting far less than the posted rate. This led to numerous phone calls and a trip to my local branch to try and get the issue addressed. No one at the bank or on the phone was able to accurately explain or resolve my problem, but I managed to piece together the following scenario ... 

In XXXX of XXXX, mere weeks after I opened my 'TD Select Savings Account ', they grandfathered ( retired ) this account  product and did not notify me. It was 'replaced ' with a product called the 'TD Preferred Savings Account ' with essentially identical features to the 'TD Select Savings Account ' ( including the tiered interest rates and rate bump features ). To my best understanding, the only thing that changed for this product is the name. When TD grandfathered my 'TD Select Savings Account ', they essentially froze the interest rate at the XX/XX/XXXX level, but the 'TD Preferred Savings ' rates ( advertised prominently on their website ) rose steadily as competition in the savings account market increased over the past couple years. Even worse, it is impossible to find information on the current rates and tiers for my 'TD Select Savings Account ' without making a special request - so this is  clearly an active suppression of information. I can not view this as anything other than a 'bait and switch ' scheme. Without telling their customers, they changed their product used to advertise their savings account rates and replaced it with something identical in all but name, but with lower interest rates. Not even their customer service representatives were able to easily spot the difference! In my case, this was mere weeks after I opened the account. Given that I keep all my emergency funds in this savings account, it has resulted in a significant loss of interest income over the past 2 years. I have talked to the store manager at my local branch, and multiple banking representatives at the branch and through their 24/7 phone support, and no one is willing to acknowledge wrongdoing or correct the issue in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
XXXX XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON XX/XX/XXXXREPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further review, it has come to my attention that I have been victimized by identity theft/fraud. 

XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 

They ran an unauthorized report on me. I did not authorize such an inquiry and demand that you contact these companies immediately and have the unauthorized inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may be subject to a fine. Pursuant to 5 U.S.C 552 ( b ) ( 6 ). Any personal, medical, or similar file is exempt from public DISCLOSURE if its disclosure would harm the individual concerned or would be a clearly unwarranted invasion of the persons ' personal privacy. Failure to comply will result in a report being filed with the FTC CFPB & XXXX and once again id like to take this time to thank you in advance for your understanding compassion and most importantly speedy cooperation in this delicate situation. 



If you have any questions, please contact me at the address listed below. 



Thank you for your prompt attention to this matter. 



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

In accordance with the Fair Credit Reporting Act XXXX 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 instructions.
Product: Credit reporting or other personal consumer reports

I submitted dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Shows inaccuracy accords other credit bureau.This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Transunion failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request the removal of inaccurate late payments and correction of non-reporting issues on my credit account ( # XXXX ) with XXXX, as reflected on my credit reports from TransUnion, XXXX, and XXXX. Late payments are inaccurately reported for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite these payments being made on time, as evidenced by my attached payment records. Additionally, several months of payment history are missing across all three bureaus ( e.g., XXXX and XX/XX/XXXX, among others ), which violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 605 ( a ), as it results in incomplete and misleading information. There are also inconsistencies in the reported " Date Last Active '' and account classifications between bureaus, raising concerns of potential re-aging ( 623 ( a ) ( 5 ) ) and overall inaccuracy ( 611 ( a ) ). These inaccuracies and omissions have harmed my creditworthiness and caused undue stress. I request the removal of all late payment entries, correction of non-reported months, and an investigation into these discrepancies to ensure compliance with FCRA standards. Attached are supporting documents, including bank statements and screenshots of the inconsistencies. Thank you for your attention to this matter.
Product: Mortgage

The lender XXXX XXXX from Arvest that 's location on XXXX and XXXX I feel as if she was violating the truth in lending act. She did not disclose to me about the closing cost being more than what FHA allowed so she tacked them onto the settlement statement without telling anyone. She took it upon herself. XXXX was not being ethical.
Product: Checking or savings account

On XX/XX/24 there was multiple transactions made that I did not authorize. Those transactions were a total of {$510.00}. I had called the claims and they had given me credit but sent me a letter saying they denied my credit and will take it away on XX/XX/24. They said the reason was the payment was made on XXXX XXXX. But I never made those payments, never authorized them, and never showed up on my transactions on my wallet app!!! Even the location of the transactions were no where near me, they took place in XXXX!!! I have lost {$510.00} and Chase bank is doing nothing to get my money back. This is not right!
Product: Credit reporting or other personal consumer reports

Recently the CFPB fined Equifax 15 Million Dollars for failure to conduct proper investigations of consumer disputes. The CFPB found Equifax ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with Equifax and the Data Furnisher XXXX XXXX. The Data Furnisher, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the Data Furnisher, Equifax did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. Equifax verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine Equifax 15 million dollars.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical
or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

monterey collection agency is damaging my credit report with a debt that i do n't owe the company is constantly calling me threatng me and harassing me over the phone when i already have told then that the account that they are trying to collect is no mine.   but they insist this company is not respecting the law and they are acting like a mafia by using threats abusive language and adverse tactics to intimidate the people to collect money that the consumer does not owe.
Product: Credit card or prepaid card

I was charged {$99.00} on XX/XX/XXXX erroneously. On XXXX order # XXXX they sent me the wrong item, and the they issued return # XXXX indicating I did not need to return the item- but to donate it. I filed my first dispute on XX/XX/XXXX, with no resolution and Comenity kept charging me late fees. I refiled a second dispute on XX/XX/XXXX with no resolution and they reported my account late to the credit bureau for XXXX and XX/XX/XXXX. Out of exasperation, I paid the account in full to stop the damage to my credit.
Product: Checking or savings account

Cashed a check for {$2400.00}. They flagged it for fraud and closed my bank account.
Product: Credit card or prepaid card

I made a reservation with XXXX for a 30 day car rental and authorized a charge of {$1000.00}. I returned the car 11 days early and was charged {$2800.00}. 
The vehicle was picked up on XX/XX/XXXX and returned on XX/XX/XXXX. The original reservation was for a month, at a rate of {$1000.00}, which is {$35.00} per day. Since I had the car for 17 days, the final charge should be {$610.00}. If the reservation was not refundable, the charge should have been {$1000.00} at the most, as per the reservation record. 
I contacted XXXX and was advised that their records show the car was picked up on XX/XX/XXXX and returned on XX/XX/XXXX, which is not the case. I was not provided with any record upon returning the car, but I have my flight ticket out of XXXX ( where the car was rented ), dated XX/XX/XXXX. The final invoice that was sent to me also lists an incorrect vehicle - XXXX XXXX XXXX XXXX XXXX. The vehicle that was rented to me was a XXXX XXXX XXXX. The vehicle was not an upgrade and the receipt that was given to me at the time of vehicle check-out included no additional charges over my reservation amount.On the invoice that was sent to me, you will notice that there was a CC authorization for {$1200.00} on XX/XX/XXXX. I was advised by a XXXX employee that the additional {$200.00} was a safety deposit. Next, there is a CC authorization for {$2000.00} on XX/XX/XXXX, which was unauthorized and was made without my knowledge, presence, or consent. A total of {$2800.00} has now been charged to my credit card. 
I called XXXX on XX/XX/XXXX to resolve the issue. The XXXX representative advised the issue will be looked into but did not provide any confirmation of the record, nor provisional credit. I still have not heard anything back. 
-- -- -- -- -- -- -- -- All of the above information, along with supporting evidence, was submitted to American Express as part of a dispute that was filed on XX/XX/XXXX. On XX/XX/XXXX, I received correspondence from American Express, advising that XXXX provided documentation that validates the charge. The document is attached to this complaint. As evidenced in the said document, provided by XXXX, I authorized a charge of {$1200.00} on XX/XX/XXXX - ( refer to page 7 of 7 ). The document does not provide any explanation for the additional charges, nor does it provide any evidence of authorization for the additional {$1600.00} charged by the merchant. 
Please also note that the rental record I signed was printed on XX/XX/XXXX at XXXX - ( refer to bottom of page 2 of 7 ). This is also evidenced by my copy of the rental record and the credit card authorization transmission, which lists XX/XX/XXXX as the pick up date. At the same time, XXXX claims that the car was rented on XX/XX/XXXX at XXXX pm, thus falsifying the record. 
American Express has been provided with abundant irrefutable evidence from myself and now the merchant, that the overcharge was not authorized and likely a result of a billing error. However, it appears that the American Express dispute department did not properly investigate the case and showed total disregard for the evidence provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has shown a deletion before dispute of what may be my social security number. They show the last four digits. They also refuse to remove a fraudulent address. In addition, within the last year they have fictious information saying a business named XXXX XXXX pertains to address of mine which is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries are being reported to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a debt validation letter to Credit Control Corp in XXXX XXXX on XX/XX/. It was received by the agency on XX/XX/2021 by certified mail. I have not received any validation of the debt claimed to be owed by this company whom which I have never done business with. I have not received a letter from this company providing proof that this debt belongs to me or is valid. There were a total of 3 separate " accounts '' in question. 

Failure to provide documentation in the allotted time ( 45 days ) violates my rights as a consumer. I have spoken to an attorney and he recommended that I file a complaint with CFPB before we begin moving forward with suit.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and when i tried to freeze my credit with FactorTrust it couldnt because it couldnt verify that I am who i am. Also there is a PIN in factor trust which I didnt put