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

I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report.

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution
Product: Debt collection

I am 7 days late on my car payment. This company has called me over 9 times in the last 7 days. 6 of those calls were yesterday. I spoke with the company on Monday when I was only 4 days past due and they had already called repeatedly and explained that there was an issue with my check and that I would make the payment by the middle of next week at the latest. The very next day I was called again twice. Yesterday I was called 6 times in one day. I told the rep that called me the last time that day that what they are doing is debt harassment and that they are not to call me for at least 7 days after I had spoken to them on Monday. I also told him that I do not want to be called between the hours of XXXX XXXX XXXX Monday through Friday as I am at work during those times. I was called again this morning at XXXX after expressly telling them not to do so. If this harassment continues I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission ( s ), Experian consistently responds within a few days stating the account is inaccurate yet will not be removed from my credit report. They also failed to provide any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Ace ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
The Account in question is XXXX XXXX XXXX 
Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

I've requested to send me validation and proof of late payments reporting and how they retrieved that information since it didn't come from me. I never gave consent to report on my credit report and these companies are in violation of my privacy rights. 

The negative accounts that are reporting on my credit report are below. 

Late Payments ( Defamation of character ) Account Reporting : XXXX XXXX Account XXXX XXXX Account Reporting : XXXX XXXX  XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to multiple data breaches with prior employers and a major credit bureau ( XXXX  ). As a result of this identity theft, it has impacted my life in a major way resulting in a declination of employment, residential leases, consumer credit, and has cost me greatly when establishing credit or utility services with large down payments requirements. My personal credit report with all 3 major credit bureaus ( XXXX, XXXX, Transunion ) have multiple inaccuracies listed that is displaying  defaulted credit items that do not belong to me. I have multiple Hard Inquiries that are listed on my personal credit report that I did not authorize. There are addresses and phone numbers listed on my personal credit report that do not belong to me. I have been disputing all of these items over the course of the past few years with no real changes being made to my personal credit report which is impacting my overall personal FICO score negatively. 

NOTE : I AM NOT WORKING WITH A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY, NOR AM I PAYING A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY. MY DISPUTES SENT TO TRANS UNION LLC HAVE ALL BEEN DONE ON MY ON TIME, MONEY AND EFFORT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, XXXX - Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX - Account # : XXXXXXXX XXXX XXXX  - Account # : 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.
Product: Debt collection

I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.
Product: Checking or savings account

Denied Dispute of Fraudulent Charges The morning of XX/XX/2023 I woke up to multiple charges on my cashapp account in small increments until my account balance was at {$0.00}. All the transactions had happened simultaneously in a matter of minutes. I instantly cancelled my debit cash card, ordered a replacement and contacted Cashapp Support as to the fraudulent transactions. I was told there was not anything they could do while the charges pending and they would likely go away. Once they were no longer pending and permanently charged to my account I called Cashapp Support and had to file a dispute for every charge I absolutely did not authorize. 5 of the disputed transactions came back and were returned to my account as fraudulent, a tiny fraction of the amount I had disputed. All the rest of the fraudulent transactions were denied and was told I could file another dispute on the fraudulent transactions that were denied. I repeatedly was told to do this several times and each time the outcome was denied. Finally, I was referred to the claims department and they would email documentation as to what factors determine why my disputed transactions were denied. The only documentation I received was a list of the fraudulent transactions which were denied, very similar to a statement which I can plainly see when I open Cashapp on my XXXX. When I called Cashapp Support once again to inform them the so called documentation I was sent told me nothing as to why my disputed transactions were denied and did not make sense why their claims department would refund a tiny fraction of the disputed transactions as fraudulent and the rest of the exact same transactions I disputed from the exact same merchant ( s ) operating under the same name as the popular yet controversial social media platform XXXX  were denied. I had no way of obtaining the merchant ( s ) contact information and Cashapp Support refused to give it to me. This process has taken up so much of my time and effort causing a ton of stress, XXXX, mental anguish and distress to where at this point I feel like this issue has become more about the lack of legal and fiduciary obligations to resolve this issue has effected my well being than it is the funds that were fraudulently take from my account. I seriously hope there is something we can do about this issue and prevent this kind of thing happening to anyone else in the future. I do have all the documentation I.ve been sent and any correspondence I have had with Cashapp Support regarding this issue as well. I look forward to hearing back from someone real soon and please reach out if you have any questions or concerns regarding my case.
Product: Credit card or prepaid card

Hi I request American express company to closed my account in XXXX, they don't and ask me to pay $ XXXX month, then I called many time to request close my account, till today they are still refusing but also me to pay $ XXXX. 

Thank you
Product: Debt collection

I want XXXX XXXX to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
Thank you
Product: Checking or savings account

Someone used my direct Express card after robbing my wallet after cancelling card I called number provided but there is no option to speak to a representative so after it asks me for card number which I don't have it tells me it's being shipped then hangs up on me so I'm unable to tell any representative about the fraudulent activity and because I requested a new card my online portal no longer works
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my Equifax, XXXX, and XXXX  reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Product: Credit reporting or other personal consumer reports

I found errors in my personal information on my report that need correction. The report shows an incorrect name, addresses date of birth that do not match my records. This could lead to confusion or impact my credit or other evaluations. I have attached documents to verify my correct information, including my ID and proof of address, to help resolve the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors and Equifax have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Equifax. Equifax and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Equifax and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Equifax of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Equifax have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX Fl, XXXX in XXXX XXXX XXXX I am writing this complaint because I did not give any of the parties mentioned written consent to contact XXXX XXXX XXXX, Consumer, or any other person regarding this alleged debt. This is a Notice to place all of the parties mentioned on a Cease and Desist Order.
Product: Credit reporting or other personal consumer reports

The Problem am having with Transuion is its reporting a Hard inquiry on my credit report after I have sent them the police report and supporting documentation of the fraudulent inquiry. Its been more than XXXX XXXX since I provided this documentation to TransUnion. According to the Fair Credit Reporting Act by placing a hard inquiry on my TransUnion credit report without my consent is violating my consumers rights. This is against the law.
Product: Payday loan, title loan, or personal loan

I had to take this loan to help out my family. I am struggling paying off right now, interest rate and every two week almost {$300.00}. I need easy payment plan and remove them from my credit report cause they are  illegally put my information in there.
Product: Consumer Loan

I have an installment loan with high interest rate ( 95 % ) with LoanMe. I have no problem with the interest per se, but with the manner in which they allot the payments to principal. For example, the with the XXXX payment of {$670.00}, nothing was credited towards principle. With the XXXX payment of {$840.00}, only {$1.00} went towards the principle. This trend continues until the XXXX payment {$770.00} goes towards the principle. Is this legal. At this rate, I accrue about $ XXXX/mo on interest. Can you help me? Is the legal? This topic is very difficult to research. Their NMLS # is XXXX or XXXX XXXX # XXXX. /They are based in XXXX XXXX Ca. XXXX. Their phone no. is XXXX.
Product: Debt collection

After reviewing my credit report on both XXXX  and Equifax i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, XXXX XXXX. 
Date : XX/XX/2019 Amount : XXXX
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 a 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: Mortgage

Would you please provide to me this information regarding my mortgage.

What date do my mortgage has been sold to you and what was the balance that has been transferred to you. please break down the balance of my mortgage into two balances.

1. Deferred principle {$280000.00}. who you purchased from or transferred from.

please provide to me a full name of seller or transferee, also provide to me the dates of those transactions.

2. interest bearing principle {$41000.00}. Who you purchased from or transferred from.

please provide to me a full name and Address of the seller or transferee., also provide to me the dates of all transactions.

3. please provide me the audit or verification those balances mentioned the above done by the clearing houses.

4. please specify if these balances has been transferred as one or seperate dates and transactions.

5. please provide all the assignments in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE I AM UNABLE TO LOG IN OR FREEZE THIS ACCOUNTS THIS IS A VIOLATION OF RIGHTS THEY HAVE YOU SEND IN INFO AND THEY DONT REPLY THESE THIRD PARTY PRIVATE BUREAUS ARE REPORTING INNACURATE DATA. I HAVE NOT APPLIED FOR CREDIT IN YEARS. PLEASE REMOVE OLD INFORMATION AND FREEZE THESE REPORTS 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, a new credit line appeared on my Equifax credit report. Note : it does not show up on XXXX XXXX or XXXX. The credit line is XXXX  XXXX XXXX. I have never owned any cards from this bank. The report also shows that I have been associated to addresses out of California and Washington. It seems that my account is mistakenly merged with someone else. 

I tried to call and using the online website to fix this error. However, since my info is merged with someone else, I can not pass the verification process where they ask me facts that apparently belong to someone else and not known by me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors ; XXXX XXXX XXXX XXXX, Navient, has violated my rights under 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 an account without my written instructions. Under 15 USC 1666 b, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose. 

Dates Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REOCCURING VIOILATION Capital One Credit.deliberately fails to report " ACCUATE '' balance informtion on my XXXX XXXX XXXX credit report. On XX/XX/2022, my balance was {$330.00}, On XX/XX/2022, a payment in the amount of $ XXXX made and posted to my account on XX/XX/2022. As of XX/XX/2022, was {$160.00}. On XX/XX/2022, according to the Capital One automated system, my balance was {$160.00} and a payment for the amount {$160.00} was made on XX/XX/2022 confirmation code : XXXX. As of XX/XX/2022, my balance should be ZERO!!!! Instead Capital One Credit generated a statement stating my account balance was $ XXXX be paid by the XX/XX/2022. Capital One Credit violates Truth in Lending Practices and Fair Credit Reporting. I should not have had to pay {$2.00}. On XX/XX/2022, the pay of {$2.00} was paid and posted to my account. On XX/XX/2022, According to my Chase Journey Credit Report, Capital One Credit states my balance is {$330.00}. The information is incorrect and I am demanding Capital One Credit correct the in accurate information IMMEDIATELY. Also, notify the other credit reporting agencies of the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated. My credit report is reflecting late payment of XX/XX/2021 for Navy Federal Account XXXX. Pursuant to 15 U.S.C. code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Please remove inaccurate information from my consumer credit profile with XXXX, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

I was using cashapp for bills and other small payments between my roommates sent a friend money for food and cashapp immediately blocked the transaction and is now locking me out of my account i have made multiple attempts at contacting them to which they never replied if I didn't have money on the account it wouldn't be a big deal but I need my money my bills are now past due and I cant get a response doing some research online im not the only one that they are doing this too and it seems to be an ongoing problem please help I havent had access to my money in over a week
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.