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

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports on my credit bureau as active with a balance owing by me. I dont have any credit card from the company and they were unable to find anything about me so its opened fraudulently
Product: Credit card

On XX/XX/2023. I booked a rental car with online car rental broken ( XXXX XXXX  ) -I pre paid for the rental on the same day using my American Express Card .

-I arrived at XXXX XXXX Airport to pickup the car however the ( XXXX Agent stated He could not release a car to me as the system would not allow it ) I spoke to their customer service team at the same time over speakerphone at the airport at the time of rental. 
The customer service agent agreed with the counter agent that they could not release a car. 
Upon returning home I was angry and I sent a formal email to XXXX XXXX XXXX about the incident ( my Rental was booked at XXXX hours ) There would be CCTV and my wife who dropped me to the Airport to Collect the car is proof I was there at thhe right time. 

( XXXX XXXX XXXX XXXX  ) has been a problematic company to deal with, with no telephone numbers just emails. I have my enitre records of emails with them. 

On the same day and date I realised something was not righht so at the night I contacted American Express raising a dispute charge against XXXX XXXX XXXX for the XXXX XXXX XXXX ( I called Amex on the night and told them about the incident and thhat XXXX XXXX XXXX should not get paid as thhey refused to provide a service which I purchased.

However AMEX the and their unwise customer service chat agent raised a dispute with XXXXXXXX XXXX XXXX for a charge in XXXX for a booking in XXXX. 
( I would come to realise what they did sometime later when they refused my dispute thhe mistake they made ) I corrected it and they still screwed it up multiple times. 
Finally AMEX returned a dispute note to me saying They were happy with the lies XXXX XXXX XXXX  have provided them thhat " I did not show up for my rental '' I have witnesses along if needed i will get thhe name and staff memeber at XXXX who dealt with me as evidence I showed up. 

This whole month stressful not only having to deal with a awful credit card company that really does not offer any form of protection for paying online but at thhe same time dealing withh lying firm and car rental broker XXXX XXXX XXXX  and a pathetic XXXX rental company. 

I have enough evidence and AMEX should have enough evidence as I had to book a car the following morning with a more reputable car rental company XXXX. 

I was booking a car as my personal car was rear ended. 

AMEX wont accept liability that they paid a firm who failed to provide a service that I paid for and shhowed up at the right time to collect! instead thhey have believed the lies of a rental broker who has no evidence for any of their claims! 

I would like my money returned I paid for a service I did not get and if not I will proceed witht heh matter legally AMEX failed to provide any protection
Product: Credit card

I made a purchase at a local retail store for {$650.00} and they charged me {$670.00} when they swiped my Bank Of America Visa Debit card. They illegally charged me 3 % to use my debit card for the payment and did not tell me that before they did it. I didn't catch it until I saw it on my bank account, then I checked the receipt and it showed on the printed card reader receipt. I called them and asked them to refund that charge and they refused. They said the card company that provides them the reader charges them that to use the system. This is a blatant violation of federal law. The Durban Amendment of the Dodd-Frank Wall Street Reform and Consumer Protection Act makes it illegal for vendors to charge fees specifically for debit card payments, even if the vendor ran it as a credit transaction. And the banking network company that is providing that service to this vendor is violating the law if they are charging the vendor 3 % for each transaction as well. The law says 21 cents plus 1/2 percent ... a little over {$3.00} in this case.
Product: Money transfer, virtual currency, or money service

Ingo Money replied to a prior complaint regarding a transaction in the amount of {$1000.00} on or around XX/XX/XXXX. I deposited a check in this amount on said date, they list the amount as {$1300.00} which is incorrect. As explained in prior CFPB complaint, I chose ten day waiting period which would make funds available on XX/XX/XXXX. Due to a sudden emergency, I needed to cash check prior to ten day period, took check to XXXX XXXX XXXX branch which is bank whom funds are drawn from, cashed it in person. Ingo rep stated my account is in collections when the check was not cashed twice as she implied, funds wee not credited to my account and it shows check as cashed in their app and funds not credited to account. It appears they refuse to remove block on account even when I did not receive funds in account deposited to.. A message was left for a manger, no call back. As far as I aware, I do not owe Ingo on this check or any fees related to it
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 in XX/XX/year> to XX/XX/year> to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update the XX/XX/year> to XX/XX/year>, late payment to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

ID, S.S card and passport stolen. All items reported stolen through XXXX police station have claim number if needed. 

15 USC 1681 Trying to buy a home, this is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made 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 in 60 days to be removed.

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

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


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Mortgage

I got an approval on my request for a Loan Modification submitted on XXXX to my mortgage company SETERUS, they set a Trail Mod Payments starting in XXXX/XXXX/XXXX on the amount of {$900.00} All notices in regards to this approval I received over the phone, I never received any documents by mail, email or fax, neither my housing counselor. 
On XXXX XXXX, XXXX I was requested by SETERUS to pay {$650.00}, until that moment no documents were received from SETERUS, not Trial Loan Mod approval, nor Permanent Loan Modification Agreement, as I expected after to fulfill my three trial payments on the full amount on time. 
There were so many phone calls to SETERUS requesting for documents above mentioned, but always servicer stated that they will send the right documents to my address ( Principal Residence ) and never accomplished. 
On XXXX/XXXX/XXXX SETERUS informed me that they will extend my trial loan mod for another three months, and they will continue debiting my checking account for {$900.00} In addition, servicer stated that day that I should submit Permanent Loan Modification Agreement not later than XXXX XXXX, otherwise they will reassume foreclosure procedures ; however, they still did not send any document to accept and sign!!!!! 
This is a XXXX Investor mortgage, the reason why we already contacted investor and let them know about this unfair and illegal procedure.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX, we refinanced our home from XXXX XXXX to the Mortgage Center. This refinance was to pay off XXXX XXXX, Hud, and MSHDA. We thought everything was fine, until XXXX of XXXX we applied for a HELOC at our credit union. The credit union advised us that there was a lien on our home from HUD. We were very confused and reached out to HUD  ( which wasnt easy ) and found out we needed to contact XXXX who handles their payments and payoffs. We found out that XXXX sent XXXX XXXX the wrong payoff. The payoff was for a person with the last name in Florida. XXXX XXXX sent the payoff to The Mortgage Center. Not one person noticed that the information was incorrect. The information was sent over to XXXX XXXX and a check was cut for {$7800.00}. Our original amount that we owed was {$10000.00}. After us contacting XXXX, XXXX did go ahead and credit the {$7800.00} to our account, but we now have the {$2900.00} that we have to somehow come up with to pay off the lien and be able to get our HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I am writing to dispute the account that are currently being reported on my credit report. I initially disputed these accounts due to identity theft concerns, but now I am disputing them because the debt has not been validated within the required timeframe. I do not need to provide further documentation and I am not required to do so. 

I am demanding that you remove all negative information related to this debt from my credit report. Furthermore, the same accounts are reporting multiple times, which is impacting my score 3 times more and directly violating XXXX XXXX. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Furthermore, the FCRA requires that credit bureaus investigate and respond to disputes in a timely manner. The creditor reporting the negative accounts is also required to do this with the same guidelines or they have to delete the accounts and stop reporting. 

Not only did the credit bureau fail to properly validate the debts within the 30-day period, but they also failed to do so within the 45-day and 60-day periods allowed by law. I have disputed these debts multiple times, but the credit bureau has not provided adequate validation for any of them. 

According to the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ), " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' I have taken the necessary steps to address this issue with you, but your response has been unsatisfactory, and they have acting negligently and not in a timely manner. 

Therefore, I believe that you have violated my consumer rights by failing to comply with several federal laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These violations include, but are not limited to, attempting to collect a debt that has not been validated, harassing me with multiple phone calls and letters, and reporting inaccurate information to credit reporting agencies. 

I request that you investigate this matter and remove and delete the disputed accounts from my credit report as soon as possible as you are violating 15 USC 1692g. Please provide me with written confirmation of the deletion of these accounts.This is a time sensitive matter and I have already been denied a home loan because of the inaccurate reportings and should this matter not be resolved as soon as possible then I will be taking legal action. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquires and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these credit inquiries to be pulled on my behalf.
Product: Credit reporting or other personal consumer reports

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XX/XX/XXXXXXXX. - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year> 2025
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding XXXX station my location and area operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. 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 XXXXXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX-16cfr 313 433.2 Per 15 U. S Code 1681b-Permissible purposes of consumer reports. It is illegal to report transaction history Under 1681a Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal. 15 USC 1681b states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with written instructions of the consumer to whom it relates, I have never given discover my written consent or authorization to add my transaction history/information or which is a violation of the fair credit reporting act. This law is backed up by P.L 90-321 ( 82 STAT. 146 ) which states that any agency can only get my report in response to a request by the head of a state or local child support enforcement agency or local government official authorized by head of such agency.
Product: Checking or savings account

reference case XXXX for dates. Attached is cash apps first response to me along with my notes within it it pointing out that they are full of XXXX. What follows is a demand for the federal government to step up protect its people from things like this. Cash app is going to be held accountable for their theft from Americans. And the CFPB will be held accountable if they ignore it. It may seem like a small in itself but this is the tip the iceberg. Cash app and many other institutions are intentionally violating federal laws and stealing millions of dollars from Americans and the government. 


To whom it may concern, Cash app is and has flat out refused to follow federal regulations as they relate to regulation e and disputes for unauthorized transactions. Which in this case was the theft of money fro my account. 

They are required by LAW to cover funds that are stolen from my account provided i do what I am required to do as a consumer. 

1. I reported it the day found out this money was missing. Not a day later. Even though the dates of the transactions are a couple weeks from when I found out about it. Still within 60 days for sure. 

2. I informed you in writing, over the phone and through your app. All recorded by me via audio recording of my phone calls to you. Screen recordings of my interactions with you which are in the high hundreds. And receipts of the certified letters I mailed to you. All of which explained that these were unauthorized transactions. And i had zero knowledge of the transactions. 

According to federal regulations I have zero liability for these transactions based on these facts. Not only federal law but XXXX 's very own policy, XXXXXXXX XXXX policy and CashApps own policy. 

Cash app is 100 % knowingly denying disputes and they are committing felonies in the processes of doing so. Not only that that but they are contributing to the financial oppression of vast amount of Americans but also willfully participating in American rights violations by doing this. 

I demand that cashapp be thoroughly investigating for doing this on a missive scale, When it is found that they are doing this you will also find that they are submitting claims for these disputes and collecting money from the federal government as if they had done their part when they have not. Which would make them guilty of defrauding the federal government. 

Not only that but i happen to know for a fact that they are charging consumer fees for something tht does not exist. They are charging people fees for the expedited delivery of XXXX  which they do not have any control over on top of the transaction fee they charge. Not only that but they are collecting the money for these fees on the back-end after the transactions have been made so they avoid the taxes from their stolen money. All you have to do is look. I know the CFPB isn't going to do anything but I know you will get to the people that will. 
Not only are you stealing from the American people but you are stealing from the American Government and for that you will surely pay. 

Thanks again CashApp, XXXX
Product: Debt collection

FALSE COMPANY NAMED " AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX.