23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX Account # XXXX There are several inaccuracies listed on this account as follows : The Date of last activity is showing 3 different dates no way this is accurately reporting, The date of last payment is showing 2 different dates Close date does not match Last day of activity The presence of multiple dates for these fields is misleading and fails to meet the FCRAs accuracy standard ( 15 U.S.C. 1681e ( b ) 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: Mortgage

I need a confirmation letter that the trust was closed. 

When I call I get no answer. 

here is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was the trust was terminated in 2007? 

This bank won't respond to my letters or calls and created a cloud in court
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 ( 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. 
( Block, Inc. ) 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 redres : for these violations.
Product: Checking or savings account

Im trying to connect my PNC online account to XXXX. I got a message stating that PNC made a change that prevents me from being able to link my account XX/XX/2020 XXXX
Product: Checking or savings account

Emails in account portals for weeks. 
Wells Fargo continues to tell me to call Escalations Dept when I asked for the Government contact info to report Error Fees : a {$31.00} charge for a Stop order that isnt needed continuously or agreed to pay for ( asked for a one time stop IN CASE ) Banking Errors : beginning XX/XX/2020 bank statement, I asked for a manual audit because the banking statement math was incorrect. 
TODAY : XXXXCustomer Support answered the phone to display an argument that I spoke to her in that way when I asked what she referred to, she hurried to transfer the call. Fraudulent claim that I was a customer difficult to handle & not following customer practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i'm disputing a hard inquiry which appears on XX/XX/2019 by Capital one on my credit report. After unsuccessfully contacting Capital One i was told that to contact the three credit bureau cause they didn't recognize any such error in their part.i did so however i not see any positive outcome yet.
Product: Credit reporting or other personal consumer reports

After I reviewed my credit report, I noticed that there were a few accounts listed that didn't belong to me. I've never given these companies reporting or anyone for that matter my personal information. Below are the accounts listed : XXXX XXXX XXXX Bal- {$0.00} Opened- XX/XX/XXXX XXXX- XXXX Bal- {$0.00} XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I had submitted a payment via my banks bill pay system on XX/XX/XXXX. I called on XXXX XXXX regarding the payment not being posted on the account. The representative I spoke with suggested to dispute it via my bank if it had not posted, which I did. I filed the dispute but they denied the claim because I authorized the payment the payment they sent back was not the payment made on XX/XX/XXXX, instead it was made on XX/XX/XXXX!! They have no idea where the {$350.00} payment is or but will not return my funds!!
Product: Credit reporting or other personal consumer reports

My student loans, account number ( XXXX ) : XXXX for the amounts of : 1. {$2300.00} 2. {$4000.00} 3. {$1200.00} 4. {$1600.00} are reporting as " closed '' on Equifax when they should be reflecting a " open '' " payed as agreed '' and / or " payments don't begin until XX/XX/2025 '' as shown on my XXXX credit report.
Product: Credit card or prepaid card

XX/XX/2023 XXXX XXXX XXXX American Express credit card XXXX XXXX 

I canceled via phone the Airbnb with XXXX XXXX 
XXXX told me refund will be issued, which I haven't received. Opened the dispute which got closed and decided in favor for XXXX and not me. 
When I cancelled it, they told me no fees charge and full 100 % refund. 
Still haven't received a refund.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Product: Credit reporting or other personal consumer reports

I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. 1. l HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXXXXXX Account Number : XXXX YOU HAVE ME LISTED AS LATE AND I DEMAND THEY BE DELETED FROM MY CONSUMER REPORT. YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT BE REPORTED AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. 2. I HAVE NEVER BEEN LATE ON THIS ACCOUNT XXXX XXXX Account Number : XXXX I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT REPORT AND THIS IS A CLEAR VIOLATION ON MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. Per US 15 1666B a creditor may not treat a payment on a credit card as an open-ended consumer credit plan and per 15 USC 1681 ( 2 ) ( a ) i ) ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) in general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the
Product: Credit reporting or other personal consumer reports

3 different credit card accounts were opened up in my name on CAPITAL ONE. Using my social security number has been reported fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXXXXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Bank of America original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX. They are all more than 12-24 months old and must be moved from my credit as they are destroying my credit score.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was called by upstart loans for a late payment on my loan # XXXX I was told I would also owe an additional {$15.00} which at the time I authorized them to draft. The payment went through just fine and I proceeded with the rest of my day. 

Later on in the week I was called again by upstart stating I now owed the {$15.00} late fee. I explained to them that I had already authorized this payment and thought it was ridiculous that I was being told I owe this money again. They at the time told me that they would wave the fee and it would not be reported to the credit agencies. 

This was followed up by an email stating the same information. 

Today, XX/XX/XXXX I received an email again trying to collect on the {$15.00} fee. I spent over XXXX mins arguing with their phone reps to deal with this, and was told I had to pay the fee to avoid it being reported to my credit but the fee would be waved.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$700.00} XXXX XXXXXXXX XXXX  Balance Owed : {$6100.00}
Product: Debt collection

Portfolio Recovery Associates, LLC buys statute barred debts and fraudulently use a newer date on credit reports. I have been receiving letters from Portfolio Recovery Associates, LLC for credit card debts that are over 10 years old and written off by original debtors.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 XXXXXX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX   XXXX {$99.00} XXXX  XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This account XXXX Account number XXXX is not showing on my Experian and XXXX credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''
Product: Debt collection

I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement. 
PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO WINN LAW GROUP AS WELL AS TO XXXX ( so XXXX can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" 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. '' Equifax, XXXX and XXXX etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Checking or savings account

The actions are that they are about to cut my electric off on Saturday two days away. No movement since XX/XX/XXXX. 
Payments Payment Method XXXX XXXX XXXX XXXX  XXXX Payment Amount - {$4800.00} Payment Date XX/XX/XXXX Payment Status Returned Confirmation Number XXXX More Activity Bill Issued XX/XX/XXXX {$5800.00} XXXX XXXX 
Payment XX/XX/XXXX {$150.00} XXXX Failed Payment XX/XX/XXXX {$150.00} Failed Payment XX/XX/XXXX {$150.00} XXXX Failed Payment XX/XX/XXXX {$150.00} Bill Issued XX/XX/XXXX {$5500.00} XXXX Payment XX/XX/XXXX {$120.00} Failed Payment XX/XX/XXXX {$120.00} Payment XX/XX/XXXX {$100.00} Bill Issued XX/XX/XXXX {$5900.00} XXXX Bill Issued XX/XX/XXXX {$5500.00} More Activity Bill Issued XX/XX/XXXX {$5700.00} Bill Issued XX/XX/XXXX {$410.00} Bill Issued XX/XX/XXXX {$5600.00} Payment XX/XX/XXXX {$570.00} Bill Issued XX/XX/XXXX {$1500.00} Bill Issued XX/XX/XXXX {$5800.00} XXXX Payment XX/XX/XXXX {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I have had a flawless and good relationship for many years with Citi Bank. On XX/XX/2018, I called their office and asked XXXX of South Dakota to remove the annual fee of {$95.00} which appeared on my most recent billing statement. He said he was not able to do this. I said I had other credit cards that dont charge an annual fee. He then said he would have to close the account in order to remove the fee. I agreed we would end our business relationship now by him crediting the {$95.00} fee back, and closing the account. I agreed to pay the remaining balance in full during the telephone call. XXXX said if I pay only the balance minus the fee, the {$95.00} would remain on my account and accrue finance charges and late fees until the credit post in two months. It did not take Citi Bank two months to post the fee. This is clearly a UDAP ( Unfair Deceptive or Abusive acts or practices ) violation. Citi Bank is trying to force me to pay the fee and lose my Billing Error Rights to dispute it if the credit does not post in two months, or leave the {$95.00} unpaid for two months while it accrues late fees and finance charges. I thought I could do honest business with Citi Bank, but I learned that they intend to have either the {$95.00} or fees that accrue against it.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report showing information that is not mine please have it corrected