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

these deletions.

4. Notify me in writing of the results of your investigation.

Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello, On XXXX of XXXX, I received a promotion letter from Citibank where if i deposit XXXX, i'll receive a 300 bonus promotion. I have called several times and each Citibank representative states that i should have received it by now. Last time, i called to complain about this on XXXX XXXX XXXX, i received a customer complaint order # XXXX and I was told it should be resolved before 5 business days. It's passed 5 business days and still i have not heard from Citibank. Please help resolve this issue. Thank you! and Happy XXXX XXXX! 
XXXX
Product: Debt collection

COMNWLTH FIN XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$62.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

inquiry details : were not requested by me XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  # 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 an account without my written instructions. 

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer/natural living breathing person attempting to correct inaccuracies on my consumer report. I am aware that my rights are being violated as my privacy has been breached as these accounts should be excluded according to the Fair Credit Reporting Act because the accounts contain transactions and experiences. I have recently made a report to Experian to correct these inaccuracies, in regards to the accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX and received correspondence from Experian which states that after the investigation the accounts are accurate, and as I am not content with the results, I now require a copy of the investigation that took place which proves why these accounts are in fact accurate.
Product: Debt collection

Credit Management LP is attempting to collect an alleged debt for XXXX XXXX. There have been several unlawful attempts by this company to collect payment for the alleged amount of {$570.00}. After informing a representative to not contact me demanding a payment. Without adhering to the law and giving me the opportunity to dispute. Credit Management illegally had this debt added to my consumer reports. Attached is my Letter to Cease and Desist the illegal collection activities IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX  consumer credit plan as late for did purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

I got accounts that are too old and keep reappearing as new accounts they delete the old ones and keep the recent ones to extend the length of the statute of limitations. 
plus, the dates are wrong across the credit reporting agencies. 
i also would like to be remedied {$6000.00} due to negligence of XXXX, XXXX and Equifax of disregards my rights as a consumer by report inaccurate information keeping me with a bad credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by " XXXX XXXX  XXXX '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my FICO credit score went down by 21 points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " XXXX XXXX XXXXXXXX '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this XXXX inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " XXXX XXXX XXXXXXXX XXXX at the time of this writing to ask/inform them of the situation.
Product: Credit card or prepaid card

hello. I have a problem with Venmo, I have used it for several months, and suddenly they frozen my account, when I contact them they ask me to send my ID to unlock the account, I sent it and still they told me that they blocked it and that they reserve to say for what reason it was. I have already sent several emails and Venmo 's response is totally negative, and they will hold my money for 180 days. It is something totally unfair and without explanation. Several people have already had this happen with the Venmo service. The money is a total of XXXX. I was just synchronizing my Venmo account with my Physical bank and they blocked it. I don't see any violation in that.
Product: Credit reporting or other personal consumer reports

I have sent out a validation letter to affirm on XXXX to show to proof my responsibilty for the alleged amount of XXXX and they have failed to respond it is now XX/XX/year>
Product: Credit card or prepaid card

DENIAL OF AN APPLICATION FOR A SECURED CREDIT CARD BASED UPON XXXX DISCRIMINATORY REDLINING PRACTICES.
Product: Money transfer, virtual currency, or money service

I am writing this to express my cconcerns regarding Zelle*s handling of disputes, particularlyin light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite usuing Zelle numerous times and reporting discrepancies, my financial institutionand zelle failed to investigate my claims adequately. " They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible.The CFPB`S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting

I have dispute a tax lien multiple times with XXXX that do n't belong to me, they remove the tax lien multiple times and wait a long period of time then the tax lien is back on my credit file. I asked XXXX to validate the information they have n't.
Product: Student loan

I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.
Product: Money transfer, virtual currency, or money service

I am unable to Withdraw or Purchase bitcoin via my Coinable account, they currently have {$180.00} of my money and have failed to respond to any emails, phone calls or support requests I have sent after over a weeks time and submitted multiple copies of identification.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen I did not open various accounts credit cards etc in my name XXXX XXXX XXXX XXXX loans XXXX  loan and utilities
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im  a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX / XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$940.00}
Product: Checking or savings account

I was informed in person on XX/XX/2018, by Wells Fargo bank agent, located at XXXX, Ca. that mine professional business bank account, " checking '', jurisdiction, relative mine business, XXXX XXXX XXXX XXXX  ; XXXX, was missing, from Wells Fargo Bank relative matter records, and that there was reason to close the account, surrender mine business banking card ( s ), and re-open a new account ... '' I was in state of shock '', and naively continue therefore as she, the Wells Fargo Bank agent prescribed me to do so... 
Later, after I did come to think about all the problems that were suggest by this unbelievable Wells Fargo Bank 's malfunction, such as for regards all mine recur payments, prescribed by me attach to my business banking card, and therefore fact that I would have to contact all relevant associate those business agents, inform them of the new business banking card number ... '' I became very upset, and occur me XXXX, upset mine XXXX XXXX diagnosed, XXXX XXXX XXXX, compel me use my XXXX XXXX  prescribe medications, includes XXXX, for appropriate relief from discomfort and hyperventilation occur me, I maintain a loss of normal breathing because of this event cause much problems, Wells Fargo did cause, even includes Wells Fargo failed even replace the " correct money '' that was lost with account records, XXXX XXXX XXXX XXXX ; XXXX  did concern about exceed {$3000.00}, from abroad moderate business administer was available me at that begin time of XXXX & XXXX XXXX XXXX XXXX XXXX professional business, the parent company, to XXXX at jurisdiction, both be mine , professional legal business ', at Dba. jurisdiction concerns them.
Product: Mortgage

I lost my job last year due to COVID, along with my partner losing hours with his job because of the pandemic and job site closings.

I submitted a request to Suntrust ( now Truist ) for COVID-19 relief, which put my loan into forbearance. I was very lucky to find a job pretty quickly after losing it, and around the same income - and the relief that was provided to me was enough for me to get back on my feet. 

During the process, Suntrust sent me SO MUCH communication. In fact, they sent me two packages of relief to come out of forbearance that I signed - and as you'll see by the dates on the package - they came to me in a matter of a week, which led me to believe that I needed to fill both of them out. 

What I've come to find out is that one of them is a partial claim - which I had notarized, that would have my mortgage payment starting this month - which I wasn't ready for. I then got another package in the mail - which told me I would start trial payments on XX/XX/XXXX - that's the one I wanted ( and apparently is through HUD ). 

When calling Suntrust - and having spoken to one of their associates - who led me to believe that I was in the WRONG for filling out both - and didn't take responsibility for sending confusing notices - I'm now on the hook to pay my mortgage back this month and I'm already 16 days past due and told the associate that XXXX and the other package I filled out was the one I preferred - so that I could get relief and find stabilization during all of this. I've requested twice to speak to someone that makes decisions at Suntrust on why this can't be changed to the 2nd package ( trial payments with HUD ), and why Suntrust would send me two conflicting things in the first place. 

Now I'm worried that because I followed THEIR directions to fill out two different applications ( when I thought it was one and the same ) - this is going to 1 ) negatively impact my credit score ( where I have an excellent one ) and did everything the right way in contacting them when I needed help, something they've boasted about doing - only now telling me that can't help me and 2 ) that my house is at risk - THIS IS OUR HOME. 

If this doesn't get settled here with the CFPB, I plan on taking this to the news. This is absolutely absurd and feels like I was duped - and even the woman on the phone said she didn't understand why they sent me two different loss mitigation options - that it shouldn't have happened ( please, ask Suntrust for the recordings of our telephone calls ).
Product: Vehicle loan or lease

My vehicle was repossessed by GM Financial on XX/XX/2023 at XXXX. I was only XXXX  days past due and was planning to make a payment on XXXX XXXX. 
I was at home, vehicle was in the driveway and heard my alarm going off. I went outside and there was a stranger trespassing on my property and telling me that he was sent there by GM financial to repossess the vehicle. 
I don't appreciate GM financial giving my PII to a random person without my permission and I don't even give guys that I'm dating my address.
Product: Debt collection

While viewing my credit report I'd notice Credit Management Lp with a balance of {$470.00} which I do not recall. I will like documents bearing my signature of this assumed account.
Product: Debt collection

Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 )  collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, My identity was stolen from so now i am now a victim of identity theft. I am asking that the attached files below gets reviewed. I attached below my identity, current address as letter, my report and dispute letter. Carefully anaylze my complaint and be sure to update me with a new copy of my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 fraud transfer act ( EFTA ) and regulation E. These actions has 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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I contacted the company in regards to paying off the balance at the end of the 90 day pay off period the last date when i was able to make the payment the company shot my payment up to XXXX when the pay off amount was supposed to be XXXX dollars and ever since Ive contacted them to reduce my payment back down to the original price the interest keep rising on the loan and i cant afford that amount
Product: Credit card

on XX/XX/XXXX I called bank of america and requested a new credit card. the old card I still had but never activated it and it expired in XX/XX/XXXX. I endured over 30 minutes of being asked asinine questions and being out on hold. after 30 minutes I told them what hey could do with their card! one question was what was your pets name that you last purchased poet insurance for? I explained I had had a pet for over 15 years! this was supposedly to verify who I was! I had the old freaking card in my hand! 
I wrote XXXX XXXX the ceo the first letter on XX/XX/XXXX. XXXX XXXX called from their enterprise resolutions department. I explained what had happened. she said she 'd research my concerns and call me back. SHE NEVER CALLED BACK! I sent XXXX the second letter on XX/XX/XXXX then a nedra called on XX/XX/XXXX. I went thru the dog and pony show all over again. she said she 'd research my compliant and call me back she also said tha I RECEIVED A LETTER AND PACKET FROM MCGRAFF. HAD THAT REALLY HAPPENED I WOULD N'T HAVE HAD A NEED TO SEND XXXX THE SECOND LETTER!!! she called back on XX/XX/XXXX and said she COULD N'T HELP ME I HAD TO REDO THE DOG AND PONY SHOW WITH THEIR VERIFICATION DEPART ALL OVER AGAIN. I POLITEY TOLD HER WHAT BANK OF AMERICA COULD DO WITH THEIR CREDIT CARD! 
I received a copy of my credit report dated XX/XX/XXXX. it listed bank of America as a OPEN AND VALID ACCOUNT IN GOOD STANDING. ALL I WANTED WAS A NEW FREAKING CARD! I might add that I got the bank of america card because ll bean had them as their servicer for their ll bean cards. they switched to XXXX about 5 years ago, hence the reason I was n't using my ban of America card! bank of America 's reps even said my account was in good standing. is this what our banks are allowed to do to their clients? thank you.
Product: Debt collection

I paid my settlement and was told that it would be off my credit 30 days after. Its been past 30 days and status on my credit report is paid/settled. I settled this account on XXXX of the amount of XXXX. Its been past and I keep disputing and its not off my credit.
Product: Credit card

Chase claims that I have personal liability on a business credit card account that I opened with them. I had a business that was registered as an XXXX XXXX Chase is telling me I have a personal guarantee when I signed this card. My name was on the credit card as the user, and I was the only user on the account. 
On the day that I made the account, I did not receive any documentation that showed that I had personal liability in this business credit card. If it had, I would not have gotten this account. Rather, I believed that it was attached to the business savings and the business checking that I already had open and in use at Chase. There was no clear indication to me that this business credit card had anything to do with my personal credit or liability. I never received the papers that I signed that day, and requested them multiple times at a branch in XXXX, AZ, in XXXX, AZ, and was told that I needed to request by mail. I finally received a doc in the mail, and on the page that states that I would have personal liability, there is no signature. Additionally, this page has XXXX XXXX XXXX typed in the bottom, and a date of XX/XX/XXXX, but the space for customer signature is blank, and the bankers intials are blank as well. The banker did not give me this page to review. 

XX/XX/XXXXXXXX  is not the date that I applied for this card. Its not even close. The date I applied for this account, and on the other paper I received is XX/XX/XXXX. This does not match the application of the other page Chase sent me, which has the the date I applied for this card was approved of : XX/XX/XXXX. There is a clear discrepancy here. XX/XX/XXXXXXXX  is actually the date I opened the business checking and savings accounts with Chase, not the credit card.