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

On XX/XX/2022 during a visit to a dealership and i was alerted that their was a repossessed vehicle with an outstanding balance on my credit of {$10000.00} showing from VEROS CREDIT. I have never had any vehicle from them nor did i authorize any. Afterwards i made a police report and tried to resolve it with VEROS credit. Attached is the conversation between us via email in which i stated multiple times i did NOT want to speak on the phone because i wanted all of our communication in writing. I gave them everything they asked me for and followed up so many times. This is affecting my day to day life because i need to move out and can not qualify for anything because this displays on my credit. They have never reached back out to me with any solutions. Attached below is also the police report, my ID and documents i sent over to veros and an affidavit i sent over to them as well.
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 : OFFICE OF THE ATTY GENER Account Number # : XXXX, Account name : XXXX XXXX Account Number : # XXXX, Account name : XXXX XXXX XXXX Account Number : 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 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 or other personal consumer reports

Company is reporting inaccurate information to XXXX XXXX and Experian. By law reporting should be accurate
Product: Money transfer, virtual currency, or money service

On XXXX XXXX after my phone were stolen I lost acces to my email the one i had linked to my cahs app account. After getting in contact with cash app support to let them know my account was compromise by emails athrougth the support area of the app I couldnt have access back to my main account until this last XX/XX/XXXX. After getting back access to my account I noticed that was a money move to a XXXX XXXX XXXX account done on XXXX XXXX, XXXX for the amount of {$2100.00} XXXX place a dispute over this unautorize transaction many times since XX/XX/XXXX but the Support team gives me the same aswer " the transaction were done correctly and satisfactory '' I explain to them as the can see in the system that I didnt do that transaction that i need my money back but they doenst provide more information regards that transaction. Even they didnt honor as they say a credit balance untill the dispute is investigated leaving me with no money and no explanation about where my money is. 

I told them I have the emails exchange since the moment my account was compromise during almost XXXX years of my trying to get back acces to the account thay I didnt do that transaction. 


The emails exchange ant the print screan of the conversation with cash app suppor on the app can be submitted if need it and requested to validate that i didnt have acces to the account in XXXX years and the moment i notifiy them I couldnt get acces to the account on XXXX.
Product: Credit card or prepaid card

I have been paying a consistent interest payment for months of {$270.00} Suddenly in the last two months the interest payments have gone up $ XXXX each time and the balance on the card has not change in years. On my current statement is now {$320.00}. I have expressed this problem to Bank of America and have not gotten any satisfaction or relief. This pattern is very concerning to me that Bank of America can just increase my interest payment every month I do not have any recourse. This activity seems very fraudulent to me and needs to be investigated. We the consumers are at the mercy of these institutions. Please Help!.
Product: Vehicle loan or lease

I sent the dealership ( XXXX XXXXXXXX XXXX XXXXXXXX South Carolina ) my notice of rescission where my car was leased about the fraudulent transactions that were committed. I participated in a consumer credit transaction and not a loan pursuant to 16 CFR 433. I sent out the paperwork via CERTIFIED MAIL in XXXX of XXXX and gave them 20 days to respond of course no response. I also sent out another notice in XXXX of XXXX which is well over 20 days, still no response. I will be going to court and filing a default judgment soon if I dont receive a response soon! I have been very patient even though my car was repossessed in XXXX of XXXX and I didnt even receive a notice of cure. They also violated 12 CFR 1026.4 which says that a finance charge does not include charges of a type payable in a comparable cash transaction! You can be fined up to XXXX for giving false inaccurate, and fails to provide information which he is required to discord and in this case XXXX XXXX XXXX XXXX sc willfully did when you failed to disclose and provide all information clearly to me a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the charge-off account from XXXX reported on my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account information is as follows : Account Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/scrub>XXXX XXXX I dispute this account because XXXX never sent me a XXXX form, which is required by the IRS to report cancelled debt. When I requested a XXXX form from XXXX, they stated that they do not send them out. I believe this is a violation of IRS regulations and the FCRA, which requires that credit bureaus ensure the accuracy and completeness of the information reported. This account was charged off on the following date XXXX XXXX. Since then, the account has repeatedly been updated as a charge-off every month. This is an update on 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 Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I request that you investigate this dispute and remove the charge-off account from my credit file, as it is inaccurate and incomplete. 

Please provide me with a corrected copy of my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a loan modification since my layoff in 2009, I have been denieded XXXX times by XXXX different loan companies the latest to be Bayview Loan Servicing everytime I apply my loan is sold. I am just looking for a little help in keeping my home. I will upload my hardship letter so you can read the whole story.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I called TransUnion about cancelling my account. As far as I understood we took care of it. It is now XX/XX/2019 and I was checking the charges TransUnion charged me for their services because I was taking care of some fraudulent activity on my credit. I noticed that they continued charging me {$11.00} up to XX/XX/2019. When I called them on the phone about it, they told me that perhaps I had an offline account. So they checked and that was the case. I was not aware of having more than one account. No one ever mentioned to me anything about offline accounts. I didn't open an offline account. I did not even know what that was so I had to ask about it. So I don't know how I ended up having an offline account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with XXXX and I have spoken to Transunion, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be.

Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXX XXXX XXXX XXXX Reference number : XXXX Record type : Bankruptcy XXXX XXXX XXXX
Product: Mortgage

I opted out of receiving prescreened offers to refinance my mortgage immediately after I got it in XX/XX/2019. Multiple companies continued to send me their offers, however most stopped after I contacted them directly and told them to stop. Clear Path Lending has continued to send me promotional material, including 2 letters in one day today, despite multiple attempts to make them stop.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block, Ic. ) 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights : XXXX XXXX XXXX XXXX, Account # # # # # # # # # # # # # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account is violating my Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. I did not know, or authorize my medical information be disclosed to anyone for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX Card ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. In addition, XXXX did not have methods in place to prevent the multiple fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Hopefully XXXX is now protecting their clients from thieves. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. XXXX states they will not share this information or do not have. This is America. Any information can not be withheld from the consumer if the consumer will then be held responsible. The theft resulted in account being closed, charged off, and then exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA. XXXX did not follow Section 1026.56 of Consumer Financial Protection Bureau.
Product: Mortgage

I applied for a loan modification with Chase Bank on XX/XX/XXXX as our ARM is set to increase from 3.375 % to 8 % on XX/XX/XXXX. I sent secure messages via the Chase website on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX. I have called Chase more than 12 times in XXXX, XXXX & XXXX. Today, XX/XX/XXXX, I was on the call for XXXX minutes when I was disconnected. Chase keeps claiming that I have not uploaded the documents they asked for, but when I get a representative on the phone, that person is able to find the documents on the Chase portal. 
I receive conflicting information from different representatives ( one says I need to pay a fee for mortgage modification, the next one says I don't. One says I need to pay for an appraisal, another says that I won't be charged ). Chase is delaying and obfuscating this process which will force me into default. I can not get ANYONE at Chase to look at our file and process a loan modification. I need help from the CFPB before we are in default and our credit is adversely affected from Chase 's mismanagement.
Product: Student loan

Sallie Mae has been harassing me and my family about my student loans. I get calls from them all the time and now they have been calling all of my family members and took it a step further and have been harassing my dad at his job. This is ridiculous and they wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have been trying for several months now to get transunion credit bureau and XXXX as well to report my XXXX XXXX credit card information onto my report I have contacted XXXX XXXX several times and they assure me that they are and have been reporting my information to all 3 Bureaus Transunion included, and have sent me copies of the information of the dates etc. that they have been reporting .However when I forward this information to Transunion the only response I get from them is Letters stating that I am correct this information is not on my report. I have been very clear on what I need done and have sent them copies of the information ( letters from XXXX XXXX ) showing all pertainent information. The problem is they continue to ignore what the letter states that needs to be done and again all I get back from them ( TRANSUNION ) is That I am correct my information from XXXX XXXX is not on my report .Just and FYI, I am a XXXX Veteran XXXX XXXX XXXXXXXX and am trying to purchase a Home for my Family my score has been calculated by the mortgage company to increase to the score that I need to be able to purchase my Home for my Family this calculation ( score ) comes with XXXX XXXX information being reported on my report. XXXX XXXX is doing there part however Transunion is dropping the ball on this issue and I would like to get this rectified A.S.A.P. TO ACCOMPLISH MY DESIRE TO PURCHASE A HOME FOR MY FAMILY .IT HAS BECOME VERY FRUSTRATING AND I NEED YOUR ASSISTANCE IN THIS MATTER IMMEDIATLEY THANK YOU XXXX XXXX XXXX LAST 4 OF MY SOCIAL IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/XXXX CARD NUMBER INFORMATION ON REQUEST PHONE # XXXX XXXX XXXX PHONE # XXXX XXXX XXXX BACK UP #
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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 XXXX have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/23 at XXXX I received an email from Bank of America saying my account was approved and my new debit card was on the way. I did not open any Bank of America accounts. I called the fraud department and they were able to identify that there was a checking account in their financial services department that was opened under my name, social security number, address, but a different phone number. They had to transfer me 2 times but eventually I was able to freeze and cancel the " account '' so there wouldn't be any activity in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial pulled my credit report I dont know why I did not verify this. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Equifax,  XXXX   XXXX  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section  605  ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both   XXXX    XXXX   XXXX , and Equifax that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax,  XXXX  and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.