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

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

Collection Agency Name : XXXX  XXXXXXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Agency Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency Name : XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX In accordance with 15 USC 1692g, I XXXX XXXX XXXX, a consumer , am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, after waiting 31 plus days for the 3 credit bureaus to delete XXXX XXXX XXXX ... I mail them letters to delete the Conns tradeline on the grounds it was never marked Consumer disputes .... they were reporting very incorrect balances and status. So as of XX/XX/XXXX ... they added the statement of disputed. They are now reporting the account as Open .... but a charge-off account cant be OPEN..!!! They have fraudulently reported a Missed PAYMENT .... after the fact they reported the account Closed on XX/XX/XXXX .... but they reported a missed payment that supposedly occurred last month, XX/XX/XXXX, on the XXXX CREDIT FILE. They are deliberately trying to victimize me. Again on the XXXX file they are deliberately reporting it as Open with a current missed payment. Fraudulently reporting is something hopefully you guys can see when I upload the documents. A Charge-off account cant be an open account. Please investigate and delete this fraudulently reporting company. Thanks in Advance
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 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: Debt collection

2023 Taxes were garnished from company but payments have not been reported to credit company XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries are not endorsed by me and are unimportant to my financial activities. I request their brief ejection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is XXXX XXXX XXXX Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a chase bank account '' when the chase bank account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.
Product: Credit card or prepaid card

I appied and was approved for a citi card. When I tried to activate it they sad I needed to fill out additional paper work which included sending a copy of my social security card. I did what was requested and now they are giving me a run around, saying that the zip code starts with a XXXX. They are saying I have to fill out even more paper work. They are refusing to close my card, they ran my credit there effecting my score and they will not close MY account. I am done dealing with them an I want this card CLOSED IMMEDIATELY. The last person who REFUSED to close my account her name was " XXXX ''? Her employee number is XXXX. Please help as I do not want to deal with this company any more.
Product: Credit reporting or other personal consumer reports

I RECENTLY WAS DENIED FOR A MORTGAGE LOAN BECAUSE THEY SAID I HAD COLLECTIONS ON MY ACCOUNT WHEN IN FACT I HAVE NEVER OWED ANYBODY OR HAD ACCOUNTS WITH THE COMPANIES THAT I AM DISPUTING. THESE ACCOUNTS ARE SEVERELY INACCURATE AND I NEED THEM REMOVED IMMEDIATELY BECAUSE THIS IS UNFAIR AND GOES AGAINST THE FCRA. EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE BUT MY CREDIT REPORT AND CREDIT FILE IS NOT. THIS IS RUINING MY RELATIONSHIP WITH THE BANKING SYSTEM AND RUINING MY LIFE. I NEED THESE ACCOUNTS REMOVED AS SOON AS POSSIBLE OR ELSE I WILL BE FORCED TO SUE IN FEDERAL COURT. I. HAVE ALL OF MY IDENTIFICATION DOCUMENTS ON EACH OF MY LETTERS SO YOU KNOW THIS HAS NOT BEEN DONE IN ERROR
Product: Credit reporting or other personal consumer reports

I disputed an about by XXXX that was not made by me, and that I had no knowledge of ( I WAS XXXX  WHEN IT WAS REPORTED ). I had disputed it and never received any information on it. This was negligent and I had assumed it had been taken care of but it is still on my credit. 
I recently disputed another account but Im fairly sure it will not be taken care of by any of the credit bureaus.
Product: Credit reporting or other personal consumer reports

Actually I have 2 problems with Experian. First I have been calling Experian since XX/XX/XXXX because lenders can not see my credit report, me neither. In XXXX I disputed addresses showing inaccurate in my credit report, after that I wasn't able to get my credit report from any of the providers, no XXXX no Experian app, no XXXX. Anytime I called Experian they says the problem is already fixed and wait from 24 to 72 hours, but today have passed this period like 12 times and I still no able to see my report. 
Also when I log in today in my Experian web and trying to dispute to see if there is addresses or no i realize there was not any address and many unauthorized inquiries, such like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I need to get this problem fixed immediately please, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Birthday XX/XX/XXXX Email. XXXX Social security. XXXX Phone # XXXX Experian account # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Experian, XXXX, XXXX reports. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( + ) from THESE LENDERS NEED DELETIONS ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please rem any information that the creditor can not vrify and show permissible use NOTE... I demand that these items be removed that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 *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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED ... # XXXX Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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

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

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!
Product: Credit card

I opened a bar in XXXX NC which was owned and operated by XXXX XXXX XXXX. The company bank account was with Banks of America as was my personal account. I took out a credit card with the bank for the company which was to cover any unauthorized overdraft facility with the companies bank account. 
The bar failed and the credit card had some {$3000.00} outstanding on it which the company could not pay. 
Bank of America accessed my personal account and deducted {$500.00} from it to set off against the credit card debt of the company. I have repeatedly advised the bank that I did not recall giving or signing any personal guarantee for the company credit card debt and asked the bank to forward to me a copy of the signed guarantee. 
This request has been put in writing on XXXX occasions over the past year yet the bank have to date not provided a copy. I have therefore requested repeatedly the return of my {$500.00} taken from my personal account and the bank have simply ignored me. I also asked them who I needed to contact to get this matter adjudicated and they did not respond. 

as I do not recall signing a personal guarantee for the company credit card and the bank are unable to provide me with a copy of that document I seek to recover my {$500.00}
Product: Debt collection

Today I was contacted by Professional Finance Company ( PFC ) about an XXXX XXXX Therapy debt I supposedly didn't pay. 

I was a little taken back because I have not received any validation notice of this debt and I was contacted on my cell phone through an auto-dialer, which is in direct violation of TCPA. Per CFPB rules, PFC should have sent a debt validation notice to me 5-days prior to collecting on my account to prove this debt exists. Additionally, I have not received any notification to how to dispute said debt. 

The company did mentioned that they sent the validation letter to me on XX/XX/XXXX ; however, according to my USPS inform, there was no such letter sent to my correct address, which is the one they have on file. I'm highly suspicious about this, due to the conversation and the tone of the representative who made this claim.
Product: Payday loan, title loan, or personal loan

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated in the report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : XXXX Record type : XXXX XXXX bankruptcy discharged Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : XXXX Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : TransUnion Record XXXX : XXXX XXXXXXXX XXXX Docket Number : XXXX Type : XXXX  XXXX BANKRUPTCY DISCHARGED Date Filed : XX/XX/XXXX
Product: Vehicle loan or lease

I was getting into my XXXX leased XXXX XXXX on XX/XX/XXXX shut the driver door and heard a loud noise exited my car and found the rear window completely shattered. I reported to my insurance company I have a {$500.00} deductible had an appointed on XX/XX/XXXX with XXXX  and appointment cancelled due to no back windows available back ordered? expecting snow and have trash bag on rear window. found this is a common problem
Product: Checking or savings account

My Chime account closed XX/XX/23 I was told I should receive a closer check within 30 days I been emailing chime since last month they sent me multiple fake emails saying I should receive it with XXXX business days I still havent received any information I also have documentation regarding the closure check and all the false emails Ive received XXXX chime since then
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that as a federally protected consumer, you have no legal standing and are unable to hire counsel, a lawyer vs. a consumer who is protected by the law. This account doesn't even reinvestigated date reported was way back 2020.
Product: Vehicle loan or lease

I am XXXX years old and have leased a multitude of cars for myself and my wife. In XX/XX/2016, I leased a XXXX XXXX and purchased a {$7500.00} extended wear and tear coverage.With 6 months to go I began getting calls and letters to trade in the vehicle and get a new one. I decided on XXXX and turned the car in, paid the fees necessary and got into my new leased vehicle. There was some additional damage they claim ( dirty seats, floor mats etc ) but that should have been covered through the damage waiver. After we discussed that, I never heard from the company again until they claim to have sold the vehcivle at auction for {$5500.00}, without even discussing it with me, and then expect me to pay the balance. The car had a blue book voer {$10000.00} and the dealer is selling cars identical for {$13000.00}. Auction is the lowest form of purchasing vehicles, the company sets the residual, and then the people turning in the vehicle are expected to come up with thousands of dollars on a whim?! I would have bought the car for {$5500.00} had it been offered. This is unethical and flat out wrong.
Product: Student loan

XXXX. XXXX I have submitted my XXXX ( XXXX ) application to the federal student aid XXXX. Get note that I am transferred to Nelnet XXXX. I call Nelnet in XXXX XXXX times waiting for XXXX to no avail XXXX. Emailed them in XXXX about my issue of not having my account reflect the new payment plan XXXX. Get advised to pay {$5.00} XXXX  to exit my current plan to a new one and it still was not reflected XXXX. Call again XX/XX/17 and finally receive human contact XXXX hr in. 

Essentially, the struggle to get any answers from this company at this scale is quite embarrassing and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize American first finance to pull my credit report on XXXX XXXX XXXX 2019
Product: Debt or credit management

I have been paying {$240.00} bi weekly for the last year and half now. I have paid over {$5000.00} to take the worst credit hit of my life. I was promised a in house loan to full payoff my accounts owed leaving me paying back the in house loan only showing all accounts as paid and not charged off.
Product: Credit card

I had a payment that was due on XX/XX/year>, for my Destiny credit card that I use for different things, and I was not able to make my payment on that day. But I did make a payment on XXXX XXXX and when I made this payment it said my payment had been received thank you, but then it also said adjustment-payments R01 Insufficient funds. I was charged for a returned check charge, but there was also a refund return ck chg. This activity occurred in XXXX XXXX nine days after I made my payment. But I did call and check on my payment on XXXX XXXX and was told that my payment was going to clear on the XXXX of the month. But then I say on my credit report that they reported my account as a delinquent account when I need make a payment on XXXX XXXX and was never told that there was a problem with my payment. Then when I spoke to a associate they told me they don't make phone calls to the clients if something goes wrong, but she also said they emailed me even though they had not because I had no email. I spoke to at least 7different people about my account and my mom even spoke to them about this account because the payment that was made came out of my mother 's bank account. I spoke to at least 3 managers, and they all said pretty much the same thing about this issue but none of them really tried to help me they just wanted a payment. They also charged me late fees even though I had the payment in there and wasn't told there was a problem with the payment. When I asked about the delinquency, they put on my account I was told that the company does not do reversals so I would have to go through the credit bureau and dispute it and in the meantime that delinquency is hurting my credit especially since I am in the process of trying to fix some of the accounts on my credit report. Also, when I look at my payment activity and my past payments it says that the {$480.00} was paid and both of them say paid more than one time this payment would have cleared up my account and put me back at my {$300.00} limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX 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 a account without my written instructions
Product: Checking or savings account

On XX/XX/year>, XX/XX/year> and XX/XX/year> Jp Morgan Chase Bank charged me {$34.00} overdraft fees totaling {$100.00}. Ive banked with them for over 12 years and believed I had overdraft protection on, I was still charged overdraft fees, I had autopays for bills that came out unbeknownst to me and they charged me excessive overdraft fees. I have added money to my apple wallet and instead of not adding the money to prevent overdraft they allow it than charge me overdraft fees too. I have financial hardships and they continually charge me overdraft fees to make my situation even worse. Ive asked them to waive fees through their help phone and secure message center and they deny refunding the excessive overdraft fees. This is not right and I am considering using other financial institutions that do not charge or take advantage of their customers.