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

TransUnion did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against  inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. On XX/XX/XXXX, I obtained my credit file and noticed that TransUnion had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. TransUnion received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. TransUnion sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking TransUnion how they verified that these accounts were mine and that they were accurate. TransUnion received this letter on XX/XX/XXXX which I have proof of. TransUnion once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that TransUnion continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX/XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer 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 of 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

My personal XXXX credit report score decreased by more than 50 points as a result of improper reporting of a debt more than 7 years old per FCRA regulations. 

I contacted Dwight Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX ( XXXX ) XXXX and they would not correct. Also, I contacted the XXXX  credit agency on XX/XX/2019 and was told my dispute was already processed and since Dwight financial will not update their records the item will remain on my credit report. 

I believe this reporting violates the FCRA 7 year rule.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  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!
Product: Checking or savings account

I have been homeless and now getting my life back together. When I got my direct deposit from my employer, the first thing I did was make the payment to secure my new apartment for XX/XX/XXXX. When I originally made the payment on XX/XX/XXXX it declined, so I tried it again. The second time it went through but when I verified my account and a duplicate transaction had generated. I called the merchant and then the bank. I was advised to wait. That it would fall off and that the bank could not do anything unless the transaction was pending for 7 days.

Days later the original transaction is processed but the duplicate is still pending. I reach out to the bank again because I am in need of the funds. Particularly because I had two credit card companies take me to civil court. We reached an agreement that I would pay {$70.00} to each one on the XXXX of every month. I am now late to fulfill that agreement due to the funds being in hold by the duplicate transaction. I got in touch with them and explained the situation and they were willing to work with me to wait for those 7 days. Today I call the bank because it is Wednesday XX/XX/XXXX ( the 7th day ). First I am told by one agent that they have to wait until the exact hour the transaction was made to be the 7th day. Then I speak to someone else that tells me that I might have to wait 31 days. Then I finally speak to a manager ( XXXX ) that informs me that the information given by all the agents has been incorrect and that the only correct thing is that I have to wait until the time the transaction was made to complete the 7th day. Then I have to call in order for them to open an investigation ( to which she doesnt know the timeframe nor do they have one available ). I can not put it lightly of how livid and frustrated I am. Not only am I sleeping in my car but have had to go without because of this. I am a XXXX XXXX  and this is also affecting me health wise. The worrying feeling that if I do not fulfill my agreement with the court, the credit card companies can come and garnish my wages and then am back to square one just because of the incompetence and negligence of an institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Today I called XXXX  Fraud Department, and I was told by XXXX XXXX that they could not use my Law Enforcement Report, and the only thing that they could do was dispute it again. I have also reached out to Experian and XXXX  whom have also involved me in another security breach I can't believe that after I have tried over 30 days to remove fraud off of my account they still refuse to help me. I have taken all the proper measures to get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I obtained a second mortgage from XXXX XXXX  in XXXX and in XXXX the mortgage was charged off. I stopped making monthly payment since the account was charged off. 
I continued making payment on the first mortgage which I modified and current with my payment. But lately, XXXX, XXXX XXXX  who had not contacted me since XXXX when the mortgaged was charged off contacted me and demanded payment. 
I returned the call and the rep told me on the phone that it is a charged off account. 
i had a XXXX which Iam still under treatment and recovery program. 
My complaint is, since, the account was charged off by the bank in the year XXXX which is eight years ago, I am no longer in-debited for repayment. 
I want to know my rights and what can be done to resolve this matter. 
As of now, my income is limited. I will appreciate a favorable referral and resolution.
Product: Debt collection

Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand.
Product: Checking or savings account

My bank is  Fifth Third B ank On or about  XXXX    XXXX   I filled out a stop payment order. The automatic payment was for  XXXX   XXXX   XXXX  in the amount of {$720.00}. There was no problems in  XXXX  as the bank stopped the payment. On  XXXX   XXXX  the paid the draft even though they had a valid stop payment order.     The Bank representative  XXXX   XXXX   XXXX  said they had a valid stop payment order and she did not know why it was paid. She would investigate.  XXXX  days in a row I spoke with  XXXX  or  XXXX .  XXXX  finally stated the draft was paid. The stop payment order was not a promise and there was nothing I could do about it.   They did refund the over draft " fee 's '' due to their error. However, I did not authorize the money to be paid. The bank was negligent in their handling of this issue and should return money.     Thank you,
Product: Debt collection

Greetings to whom this may concern, My name is XXXX XXXX stating that Ive been a victim of identify and credit card fraud. It began as I was XXXXXXXX in the XXXX XXXX XXXX XXXX. While there in order to retrieve a XXXX someone took out an account in my name and made unauthorized decisions. All of which has led me to be in debt and hard to see myself getting out. Initially I may have been hesitant on contacting or replying to agencies on resolving this matter, being that's it hard been quite some time. But, I can no longer let bills and interest increase while not getting grasp on things. Lastly, attached are Five Account Statements all ranging from XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a large wire transfer sent to Bank of America to be applied to my mortgage on XX/XX/2020. As of today, XX/XX/2020, it has still not been posted to my mortgage. This is because of an update to their computer system. I have called 14 times since XX/XX/XXXX and am told various dates that this would be fixed. None of those deadlines have been met. They have told me that the wire transfer was received at Bank of America and that when it's posted to my mortgage it will be marked as received on XX/XX/XXXX so as to adjust the interest. I have not much hope that it will get posted on XX/XX/XXXX, the new promised date. The wait time for each of the phone calls is about XXXX hours. 
My plan was to get the payoff amount and have another wire sent for the balance on Monday, XX/XX/XXXX but obviously that still can't happen. 
I have a letter of confirmation from the wire sender but don't know how to attach it. I also have the Federal reference number which I have told several people at Bank of America.
Product: Debt collection

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent my correspondence to Portfolio Recovery Associates, LLC on XX/XX/2021 in regards to the collection account they are reporting to XXXX and XXXX. Pursuant 15 USC 1692e ( 11 ), a debt collector can not omit that they are attempting to collect a debt. In one of the exhibits provided, it clearly states that Portfolio Recovery Associates, LLC is not attempting to collect a debt, which is against Federal Law. The consumer must be informed of the reason for the initial communication and if this was not an attempt to collect a debt, Portfolio Recovery Associates, LLC would not be reporting this as a collection account to the consumer reporting agencies. Portfolio Recovery Associates, LLC has received all documents and supporting evidence of this dispute through U.S. mail on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 5 years of multiple complaints that Experian supplied my credit report to XXXX XXXX XXXX XXXX ( XXXX ) without my permissible permission on XX/XX/2017. I have repeatedly asked for copy of this permission to prove COAF did not have my permission. Who is protecting my private information because Experian is not? Their response on latest complaint reflected " In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information ''. XXXX did not, Experian doesn't investigate other than asking the lying COAF if they had permission and they claim to be reporting correctly. AND BOTH COMPANIES REFUSE TO SEND THE VALID PERMISSIBLE PERMISSION THAT GAVE XXXX THE RIGHT TO RECEIVE MY PERSONAL INFORMATION AND FOR EXPERIAN TO GIVE OUT MY PERMISSIBLE PERMISSION. And Experian doesn't investigate nor is Experian protecting my personal information. I am a squeaky wheel until I am heard in Washington.
Product: Debt collection

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 CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXAccount # XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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
Product: Credit card

Hi, I applied online for a Chase credit card on XXXX XXXX, 2015, and I received a e-mail with some information regarding about my online application including that they will let me know about the decision of my application through mail in 30 days. 
After two weeks without any news or mail with the status of my application, I decided to call the Chase Bank through the XXXX number, and the mortgage department answer and told me that they need proof of my address so they can have a proof of my address to approve my credit card application, so we agreed that I am going to send them a color copy of my drivers license in a certificate letter through USPS mail. They received the letter on XXXX XXXX, 2015. After I received that day the confirmation receipt from the USPS I called them to ask if they received or need more documents, they do n't let me know if they received or need more documents. They told me that I need to wait that the processing department have to analyze my information so they will let me know. I called them several times last week and they told me that they do n't know in what status are my application, so they will let me know soon. Last day I called them was on XXXX XXXX XXXX in the morning. 
Today Sunday XXXX/XXXX/2015, I called them again to ask about my status, and someone with the name of XXXX told me that he ca n't found my application in the system and he cant provide me information about my application. 
I ask him his last name and if he is a Chase Bank employee from an XXXX company, and he told me that he is an Chase employee but he ca n't gave me his last name. I ask him to talk with a supervisor and he told me that there 's no supervisors to talk, that the only thing that he can do is run again with my Social Security a new application, and I refuse to do that because I applied before for that and my call to Chase was for that reason, and also I told him my credit score is going to be affected, and I paid for sending to them a certified mail with the information they ask for proof of my identity address. 
I ask him again if anyone there in Chase that could help me and said that I am not in the system and I need to apply again. 
Also I never received from them a letter or email with the status of my application. 
Please help me with this. 
Thank you! 
XXXX XXXX
Product: Credit card

American Express charged a late fee when it was not late! Our due date is the XXXX of the month and in XXXX the XXXX was Monday XXXX XXXX Usually my credit union will pay the following business day and that is the standard practice. The CFPB even states this on your website.

With that said, I checked my online banking and my payment was paid and received on XX/XX/XXXX. So it actually wasn't even paid late. So did American Express really investigate this payment? It doesn't seem they did. We have had an account with American Express XXXX or XXXX yrs and always paying our balance off every month. I guess being responsible is a bad thing to them? Either way you look at what happened, American Express is wrong and should fix their error!
Product: Credit card or prepaid card

I was scammed out of {$4400.00} in fraudulent charges in XXXXXXXX XXXX. I was offered a job that required that I purchase a laptop, iphone, accessories and send them to an engieer to have software installed. The representative of XXXX, XXXX XXXX, gave me a XXXX routing number number and account number for a ACH deposits of {$3400.00} and {$980.00}. These would bring my Discover Card balance to {$0.00} and I could purchase the laptop and iphone with my Discover Card. I did this as he directed. Once I did this, he stopped payment on the ACH deposits, left me with a {$4400.00} bill on my Discover Card and no job. Discover Card will not write off this {$4400.00} as fraudulent charges because I authorized the purchases. I have argued with Discover Card that I was scammed into fraudulent purchases. The definition of a scam is " a dishonest fraudulent scheme that attempts to take money or something of value from people ''. Discover Card refuses to listen and insists there is a diffence between a scam and a fraud and I was scammed. I argue these are fraudulent charges as a result of a scam. I am making the monthly payment but it is draining my savings. They are negatively effecting my XXXX score as my balance is above my approved credit limit. I'm a XXXX year old woman trying to survive on Social Security and Discover Card is flexing their muscle of Corporate Greed and will not listen to any rationale. Help me please get this issue resolved. I have no other options.
Product: Debt collection

There is a fraudulent item on my credit I never gave anyone permission to open utilities in my name
Product: Money transfer, virtual currency, or money service

I deposited a fraudulent check then realized it was fake. i disputed the transaction on my account, went to a chase bank branch and they said they couldnt do anything. i called customer service and the fraud department and once again was told they cant do anything. i am in the negatives of over XXXX dollars despite not using the check and taking every necessary step to keep the transaction from actually going through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on multiple occaions and Equifax will not excpet my Identity theft package Im at the piont where im ready to file a lawsiut agains Equifax this ia voilation of my consumer rights air credit protaction Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$7800.00}, {$10000.00}, {$8900.00}, {$22000.00}, {$6000.00}, {$9400.00}, {$18000.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.