23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2023 - Cashapp had a boost for XXXX 99 % off. All you had to do was click it and it took you to check out. I did everything the app told me to do but was still charged the full amount of {$9.00}. I contacted support worried and they said it would apply once it was out of pending. It didn't XX/XX/2023 - I waited a few days to see if the boost would finally apply but it didn't. Contacting support was very frustrating. They first tried to tell me I did it wrong and explained how, I told them I did all those steps they mentioned. They then tell me they see I clicked the boost and it was activated but somehow after I made my purchase? They said I should have waited 1-3 mins but it never said to do that. All it said was check out right through the boost option and it will automatically apply! They then said they will not refund or reimburse me because it is my fault! How is it my fault when I did everything your app told me to do?! The app is the issue! 

I will never use those boosts again will stay far away from CashApp from here on out. 
They are scammers and liars.
Product: Credit reporting or other personal consumer reports

This complaint is towards Equifax. 


Dispute was filed with Equifax XXXX Investigation completed XX/XX/XXXX Result : Instead of removing the false collection account from account they updated it to paid in full. This is not an acceptable outcome as this will cause irreparable harm if I am denied a lease due to reporting of having owed a previous landlord. and if this occurs I intent to pursue legal action against Equifax if this occurs. I never owed any balance nor made payment. The lease was paid in full and I have documentation of all payments. 


Reporting collection company : XXXX XXXX XXXX XXXX XXXX : Amount reported was {$150.00}
Product: Credit reporting or other personal consumer reports

I have been disputing an entry on my credit report regarding a XXXX credit Card. I have sent information to the debt collector ( XXXX ) as well as XXXX regarding ownership of this debt. As you can see from the attachment, information regarding me not receiving mail and the fact that I never received copies of any debts associated with card is evident and proof positive that I never knew about this debt, which was subsequently turned over to the FTC for fraud. The ex-wife exhibits furtive behavior while being asked why she was still getting mail. She was clearly hiding this activity from me under the guise of ignorance, so she did not have to disclose to the court her further accumulation of alleged debt. 

I never used this card, any debts associated with this card are hers. On the attachment you will have all the names of the parties involved whom you can feel free to contact to verify this position. This is new and further information in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX h

as violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I disagree w/ tje reporting of the account listed below which persists on my credit report despite your previous investigation i request a immediate reinvestigation of this item as its inaccuracies severly impact my credit score per the FCRA ( Public Law 91-506 ) Title VI Section 611 Subsection 1-D please provide me with the names and business and addresses of each individual whom you verified and validated the above information with so that I may follow up accordingly additionally please send me a updated copy of my credit report after completing your investigation. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX sold my credit to freedom debit relief and then reported it delinquent. I'm unable to obtain credit or loans because of it causing great hardship on my finances.
Product: Vehicle loan or lease

I have been in this auto loans deal since around XX/XX/XXXX ( estimated ) I was to give a XXXX  down payment deal completed. I signed the paperwork agreed with the term received my first date to make a payment nothing misleading from the dealership. Im calling the bank to make a payment the bank tells me there is nothing on file. I call the dealership the bank then tells them they need more of my information or the dealership will not receive payment. I spoken to the was again told to call the dealership at that point I was told they had to resubmit it again to the and the need my same information again in which I leave my Job early to resubmit the documents a second time and sign another contract with another payment date. I called the bank on XX/XX/19 to confirm my information and was told that I should be receiving my welcome letter in the mail and I was all set, So now again we are in XX/XX/XXXXafter I spoken to the bank. they ( the bank ) telling the dealership that I have to submit more and more and more of my information or they will not pay for the car and I would have to bring the car back. I seems every month or week that are asking for more more information relating to the same documents. Its never ending and on going so this situation has been lasting since XX/XX/2019 to present. Now they are telling even thought they have my paystub proof of my job depositing my paycheck into my bank account even though they have my paystubs, ssi award letter now they also asking for that proof of ssi deposit again. 
I am a single mother whom has severely XXXX  children as well as an elderly sickly mother who Im a XXXX XXXX  also this is causing stress on our family ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Account Balance : {$32000.00}.
Product: Debt collection

I never received any letter or phone call attempting to collect a debt. Furthermore, I have and always have had PPO Group insurance Plan. If I were aware of this debt I would have contacted the provider immediately to resolve any payment due. XXXX and XXXX did not follow the CFPB laws and protocol and failed to notify me of the debt thereby taking away my right to settle the debt with the medical provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

XXXX - I receive 2 email messages from Empower.me asking me to confirm my email address and to congratulate me on my new Empower card. 

XXXX - I send a note to the email address indicated on Empower 's email asking that they not set up an account under my email. 

XXXX - I get a reply from Empower stating that I have no account registered under my email address ( the same one I used to set up my CFPB account ). 

XXXX - I receive an email from XXXX that my monthly report for XXXX is available. Though I have neither confirmed my account nor performed any transactions, I seem to have a balance that includes {$0.00} in " income ''.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX of 2024 I disputed a fraudulent account. XXXX bought an account from XXXX. I sent police report and ftc theft affidavit. This was removed in accords to FCRA laws in XX/XX/ 2024. 

It was reinserted with a different account number but same information., this is willful non compliance and aiding and abetting in identity theft. I again disputed it in XXXX and they didnt remove it. 


The FCRA mandates that the CRAs, such as Experian, XXXX and XXXX XXXX, follow reasonable procedures to assure maximum possible accuracy of the information in the [ consumers credit ] report. A willful and negligent failure to do so is a serious violation of the FCRA.

Its your job to do due diligence to make sure consumers do not go Through a cycle of information identified as identity theft isnt reinserted with new account numbers but the same account.

Litigation is my next step for this willful negligence. I should not be re disputing this information when its the same fraudulent account with a new account number.

I have attached the picture showing this was deleted from Experian website in XXXX so reporting it now is a blatant violation of the laws that govern the cras. I have attached the ftc and police report and letter I submitted from complaint XXXX that was complete on XX/XX/XXXX and the account was deleted The other bureaus have not fell for this unfair practice of Reporting the same account with different account numbers. They did their job In following 15 USC 1681eb ensuring maximum accuracy. Experian has failed To uphold their own policies and procedures for Reporting. This is affecting my personal appearance and livelihood
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX BankruptcyXXXX XXXX, Bankruptcy-XXXX XXXX XXXX Bankruptcy-XXXX XXXX TX Child Support. 

I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency.

We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification. I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence.

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint.

I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.

If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed. 
./////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// This letter is written by my own initiative, ( NOT BY A CREDIT REPAIR COMPANY, NOR BY ANY ATTORNEY, SOLELY BY MYSELF ), and I expect all correspondence related to this dispute to be sent back to me at the address provided above ( OR ) to my email address @ XXXX. 

This is an effort to rectify the false or misleading information currently on my credit reports and to correct your records.
Product: Student loan

Student loan charged off after 45 days of no payment. Now XXXX XXXX XXXX XXXX XXXX call to collect outside of collection hours. They always call twice, back to back.
Product: Bank account or service

ATM Machine at XXXX at XXXX XXXX XXXX, XXXX, California XXXX USA is set up so that the sun will not allow you to see the screen. XXXX has put in many requests themselves to Citibank to move the machine or do something to make it safe and workable. According to the store, Citibank does not care and does not come out to deal with the problem. It creates many inproper clicks on the ATM because people can not read what they are doing. If trying to hold magazines or something around it to be able to see it causes customers purses, papers, etc. to all fall to the ground and makes them easy targets for theft. Even with doing that, it is very hard to try to see what you are pushing unless you have all of the screens memorized. Citibank has made it impossible to locate on the internet just who to contact to correct this problem. I am a Citibank customer with quite a few accounts and I use the XXXX ATM machines all the time but the one at this particular location is completely unsafe and Citibank needs to IMMEDIATELY to something before someone gets injured or is robbed or looses their money all because they thought they were pushing another button while trying to hold on to something to help them see and hold their personal belongings at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/corelogics after recieving my consumer disclosure report, XXXX 's agent on the phone put me on hold for a unreasonable amount of time while I was wanting to dispute an address on my consumer file, that I have never lived at, after waiting for more than half hour on hold, I decided that it was best to hang up and make a complaint. XXXX needs to remove this address, it not an address that I have ever lived at. Please remove this address immediately as it is impacting me negatively.
Product: Money transfer, virtual currency, or money service

Basically I check from same bank for {$22000.00} I deposit check XX/XX/XXXXplace check on hold 7days.The same bank gave me the check they placed a hold on the check refuse to give me my money I kept on telling me to come back the next day the next day the next day. I felt like they were trying to steal my money I dont feel that thats right it was my money anyways the check was issued by the same bank they should have giving me my money up in three days they said they didnt have any cash thats not my problem that was my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Debt collection

This is an old fraudulent, Identity theft account I had removed in XXXX it looks like it was sold to XXXX XXXX XXXX and just showed up on my credit report as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

this week while checking my email I received an update on my credit report upon viewing I notice a hand full of inquiries that were not made by me. I tried disputing and received no response this is a violation of my rights as a consumer. I'm currently stationed at XXXX XXXX with the US XXXX I've been here since XX/XX/2022 there no way these inquiries were made be me. 


XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Of XXXX
Product: Debt collection

Good Morning, I contacted IQ Data International in XXXX this year in reference to a debt that does not belong to me. I requested debt validation and realized months letters that I never received any information that proved that the debt belongs to me. I have no contract with the company and again request proof of the debt in question in the form of a I sent another letter dated XX/XX/XXXX requesting validation once again. I received a letter from IQ Data stating they do not have to validate the debt and will not send the information requested. The letter was dated XX/XX/XXXX. 

This is not satisfactory as not only do I not the debt but there has no information satisfactorily sent to me proving that the debt is mine. 

I call in to question the validity of the debt considering that IQ Data was part of class action lawsuit for improper collection practices.
Product: Credit card

This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. 

Charged XXXX Cash app name XXXX XXXX ( $ XXXX ) XXXX XXXX
Product: Debt collection

My spouse and I both have been writing to Hunter-Warfield for years disputing a debt that they have. My spouse who is totally XXXX was injured at an apartment complex. I wrote the collection agency and never got validation of the debt and advised them to cease and desist. Despite this, this agency continues to violate the Fair Debt Collection Practices Act and refuses to acknowledge any of my communications. They continue to call my cell phone numerous times of day via an automated attendant. I answer and no one is on the phone!
Product: Vehicle loan or lease

I bought a NEW XXXX XXXX at XXXX XXXX location. It was brand new. I took it out of the dealear and it has safety issues : the seat belt is not working. The safety future that shows me the cars and obstacles arround is not working, The autopliot is not working. 
The parking assit is not working. 
I went back to the dealer 2 hours after to tell them about all the issues and they did not help. I cant drive the car cause is risky and i want the car fixed or my money back.

Please help me. 

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

I Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} CHRYSLERCAP XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX XXXX {$83.00} XXXX XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}