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 or the ( CFPA ). To specify my reasoning cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. To elaborate, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act or the ( EFTA ) Regulation E. These actions have caused a significant inconvenience for me and financial loss, I wish to seek appropriate redress for these violations.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX  Account Number:XXXXXXXX Account Name : XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Prepaid card

On XX/XX/XXXX  I visited Bank of America on XXXX XXXX XXXX, XXXX, NJ to withdraw {$2700.00}. I was helped by a teller named XXXX who consulted with his superior, XXXX. After speaking with XXXX, XXXX told me I needed to go to an ATM to withdraw my money. I informed him of the ATM limit of {$1000.00} and I asked to speak with XXXX. I informed XXXX of the ATM limit and that I needed to withdraw the money because my employer will no longer be banking with Bank of America. XXXX said I can withdraw a maximum of {$1500.00} because I do not have an account with Bank of America. I withdrew {$1400.00} so I can withdraw my remaining balance from an ATM. 

My complaint is : I believe Bank of America withheld my money arbitrarily and against the customer agreement by trying to turn me away to an ATM and then imposing a maximum I can withdraw from my money that is deposited in their bank. Regulation E is inconsistent with banks arbitrarily withholding and arbitrarily conditioning people 's deposits.
Product: Debt collection

I submitted a complaint to the CFPB in regards to LVNV FUNDING BACK IN XX/XX/XXXX relating to various names and llcs being used to collect on an original XXXX XXXX debt back in XXXX totaling {$6600.00} due to XXXX. I have asked repeatedly for LVNV FUNDING to provide specific proof of debt purchase showing their ownership of this debt to collect on. Since XX/XX/XXXX and despite my request, the debt purchase documentation has not been provided. What was provided was XXXX XXXX statements only and my original contract with XXXX XXXX as attached. LVNV FUNDING has placed this debt on my credit reports and has not once reached out to me in regards to this his debt. Since XX/XX/XXXX this debt was in a debt consolidation program with NDR, however I have opted out of that program. I am requesting this specific information to ensure they have legal ownership to collect on this Debt in order to make small monthly payments. I will also be forwarding this complaint over to the FTC for review.
Product: Vehicle loan or lease

I had a loan from capital one auto finance, the address on my lean title does n't match with what been set up online, i unfortunately tried to resolve the issue with capital one auto finance, but they could n't help me, i also have two credit cards ending by XXXX and XXXX, but there is no problem with my address. The only problem occurred when i just want to update my right address :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Both are the same. capital one auto finance had a restriction on there website, not to allow 32 characters, and not to let me also use XXXX XXXX XXXX XXXX XXXX WHICH is less than 32 characters. If this issue never been resolved i will never get my car after paying off the loan to capital one auto finance. the principal original loan was {$32000.00}, with a monthly payment of {$590.00}, payable every thirteen of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which are : XXXX, XXXX, and Transunion; did not modify or removed anything. I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. Per the FCRA they have violated my federal rights under the following laws : 15 USC 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer ( an individual ). and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). making the report ; 15usc 1666b which states : 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. 15USC 6802 ( a ) ( b ) ( c ) ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX information : Former : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used Paypal to make a purchase that ended up to be fraudulent. Paypal did nothing to help me. I spent well over two hours writing complaints, constantly coming back to read someone who once again did NOT read my complaint, and responded with an answer that had nothing to do with why I was complaining. I BEGGED for a supervisor, but nobody would accommodate me. This last complaint, I pleaded for a supervisor to help. Instead another person comes back to say, you just need to mail back item seller will refund. Oh my, she didn't bother seeing that it was a washer and dryer. I'm done with Paypal, and tried to close this account, but they REFUSED to allow me to leave. I want to file a complaint to close that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in updating the accounts on my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to update them on my credit report. 

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

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. And according to the fair credit reporting act 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. Transunion continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. These accounts are not complete and inaccurate. XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX
Product: Debt collection

Failure to provide written verification of the debt within 30 days of initial contact. 
Reporting of an unverified debt to the credit bureaus. 
Lack of verification or documentation proving the legitimacy of the debt.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5800.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$5100.00} has violated my right. 

Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$2300.00} has violated my right. 

Account XXXX : XXXX Account # : XXXX Date Open : XX/XX/XXXX Amount : {$1800.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX XXXX {$570.00} charged to XXXX for XXXX gift cards, which I did not purchase nor receive XXXX Receive text from Chase asking if I made a purchase for {$11.00}. I say no. It is reported as fraud. 

XXXX XXXX Chase XXXX phone to report fraud of {$570.00} on XXXX XXXX 
They file a report : Chase Claim # XXXX XXXX I go in person to the bank to close my checking acct. 

XXXX Go to Chase Bank in person at XXXX XXXX XXXX XXXX XXXX CT and speak to XXXX XXXX XXXX relationship banker Close checking account and open a new one, shred debit card used to make fraudulent purchases XX/XX/XXXX Receive email from XXXX confirming unauthorized activity. They freeze my account. 

File a police report Police report case # XXXX XXXX XXXX XXXX XXXX Police Department XX/XX/XXXX Receive letter from Chase denying claim XX/XX/XXXX Close XXXX account after multiple attempted fraudulent charges. XXXX can not help me. 

XX/XX/XXXX Receive text from Chase asking if I made a transaction from the frozen bank account for {$9.00}. I say no, they call it fraud. 

Call Chase regarding Chase Claim # XXXX and am told my claim for {$570.00} was denied because I made a purchase from the merchant in XXXX. Scoured my purchases from XXXX in XXXX and there is nothing there except the XXXX presents I ordered. 
Chase refuses to provide me with any relevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an incorrect account on my credit report with the three major credit bureaus : Experian, XXXX and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX was charged off 7 years ago in XX/XX/XXXX, this account was closed for 7 years on my credit profile and was deleted off in XX/XX/XXXX from all three credit bureaus. This account was deleted off my credit for 4 months before TransUnion decided to apply the deleted charge-off back onto my credit profile on XX/XX/XXXX after being verified and deleted, this has severely impacted my credit by bringing me down XXXX points which is unacceptable! By law you can not verify an account after its been deleted for months and put it back on someone's credit profile. Attached will be a screenshot of the letter I received from TransUnion clearly stating that they investigated the account that was deleted, I never disputed this account or the information because it was deleted, how can I dispute an account in XX/XX/XXXX that was deleted in XX/XX/XXXX???? The DELETED ACCOUNT WAS VERIFIED AND PUT BACK ON MY PROFILE ... ... HOW CAN YOU VERIFY AN ACCOUNT THAT WAS ALREADY VERIFIED AND DELETED FROM ALL CREDIT BUREAUS, XXXX AND XXXX HAS NOT ADDED THIS ACCOUNT BACK ON MY PROFILE AFTER BEING DELETED... PLEASE DELETE THIS OFF MY CREDIT IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I applied for a ( XXXX XXXX ) Home Equity Line of Credit and was denied based primarily on a 2016 bankruptcy that was incorrectly reported by Equifax. I have provided them with indisputable proof that this is incorrect ( see attached ). 
There consisted refusal of Equifax to correct this error or explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX THIS DEBT DOES NOT BELONG TO ME. I WISH FOR IT TO BE REMOVWED FROM MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with, Supervisor XXXX, XXXX, XXXX, and XXXX from XXXX I received an alert on, XX/XX/2022, that XXXX XXXX had pulled my credit without my consent and an order had been placed totaling {$210.00}. I then contacted Equifax and the other credit union disputing the credit pull and I alerted XXXX the same. I informed, XXXX that I never placed an Order # XXXX that was placed on XX/XX/2022, for the XXXX items for {$210.00} and didn't give then permission to pull my credit and reminded them that I have a fraud alert on my credit report, and they were supposed to have called me before placing any orders whatsoever which they didn't follow nor contacted me before pulling my credit report without my permission. 

I've also faxed # XXXX and XXXX to XXXX as I was asked to by supervisor XXXX my Identity theft letter. They agreed that I should have been contacted before pulling my credit report and that they have recording of me alerting them and that I wasn't contacted but refused to move the inquiry. XXXX tells me to contact Equifax which I've done and Eqifax tells me to contact them. These people are playing with my livelihood and don't care who its hurting. Equifax told me that XXXX XXXX XXXX factual record on my file and XXXX XXXX XXXX stated that wasn't true and no one there ever spoke with anyone from Equifax. attachment is with this complaint from Equifax dispute letter and my Identity theft letter.
Product: Credit card

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, AN XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX REMOVE THIS IMMEDIATELY DOES NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a report with federal trade comission for second time now report number XXXX ill submit copy of it to
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, XXXX, Equifax, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Inaccurate Names : XXXX XXXX, XXXX XXXX ; Inaccurate Addresses : XXXX XXXXXXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; Account : XXXX XXXX, XXXX XXXX