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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person 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 ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting

My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to XXXX credit bureaus. This is a huge concern. Please resolve this issue.
Product: Debt collection

I have received an alert that a collection was added to my credit file and when I checked my credit it was an XXXX XXXX bill from 2016. I called enhanced recovery and told them that I never had a XXXX XXXX   bill and that I never received any notification from them before they placed this on my credit. The guy said he would mark it as fraud however I received another alert where they had added it to another credit bureau. I spoke with XXXX XXXX/XXXX  and the lady was having a hard time finding the account because it was under my name but under a address I have never lived at. This is not my account please delete.
Product: Credit reporting or other personal consumer reports

Further to my previous correspondence regarding the disputed late payment entry on my credit report, I am writing to emphasize the urgency of reinvestigating this matter and to underscore the potential consequences of inaction on your part. As previously stated, the inclusion of an erroneous late payment entry attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX ] has had a profoundly adverse impact on my creditworthiness and financial standing. 
Despite the gravity of this issue and the imperative need for its resolution, I have not yet received confirmation of any action taken to rectify the erroneous entry on my credit report. This lack of response and apparent delay in addressing the matter is unacceptable and fails to reflect the urgency and seriousness of the situation at hand. 
In light of the continued failure to resolve this dispute in a timely manner, I wish to reiterate my intention to close my account with the aforementioned creditor and explore alternative offers from other creditors. It is evident that the present circumstances require immediate action to mitigate the harm caused by the inaccurate reporting on my credit profile.
Product: Debt collection

I never applied for a apartment a day in my life but they want money from me that I dont owe them Everytime i call somebody answers the phone in a rude tone and isnt trying to help at all. This place is a fraud
Product: Debt collection

I told Collection Bureau of America that this was not my account and I was a victim of identity theft. They did not send me a collection notice in writing to my home address in XXXX where Ive resided since XXXX but instead apparently mailed it to the address where the THIEF that stole my identity resided. Theyre now reporting this derogatory information to the credit reporting agencies. Theyre BLATANTLY not following FCRA requirements.
Product: Checking or savings account

I am XXXX XXXX and my account is being frozen because the navy federal said my voice sounds like I am not XXXX. There is no issue with my account. No one is accessing it without my permission. They froze my account and didn't make it available to me because they are saying that the voice doesn't sound like a XXXX year old. That is a matter of opinion and i have sent in the required documents and have waited for almost a month. During covid the closest branch to me is the XXXX, Ohio one and I haven't been able to get to it because it is not operating during the covid 19 season they are making it complicated for me to not pay my Bill 's. I need to access my account and need my funds and to use my account.
Product: Payday loan, title loan, or personal loan

I made a payment to speedy cash. I was aware that I owed them money.However they withdrew the entire amount that I owed them without my permission. I was making payments to the company. When I called them to complain they refused to reimburse the amount. I had to contact my banking institution and report it as fraud. I would like to sue speedy cash for violating its terms with the fcra. I was having a financial crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017 I cashed a check at XXXX XXXX XXXX in XXXX RI for {$300.00}. This transaction had a {$15.00} fee which I agreed to pay for a total of {$310.00}.
However, the check cashing company, Telecheck Services Inc. XXXX XXXX XXXX, XXXX XXXX Tx overcharged me and debited {$330.00} cents from my checking account at XXXX XXXX XXXX. When I noticed this extra, unauthorized charge of {$15.00} I contacted my bank and asked to withhold that {$15.00} from the payment to Telecheck. The bank reviewed the transaction, and stopped/withdrew the WHOLE payment of {$330.00} until the transaction is corrected. Meantime, I have been contacted by a collection agency for Telecheck demanding full payment of {$330.00} and refusing to correct the problem. My multiple attempts to resolve this issue ( calling XXXX XXXX and Telecheck ) are not being addressed. XXXX XXXX referred me to Telecheck and there I am not assisted at all ; the call goes to XXXX where the customer service agent " XXXX '' i.d . XXXX was incapable of understanding that this was a mistake I wanted to resolve and when I requested to speak with a supervisor refused to transfer me to a supervisor or anyone else and to provide me with a corporate address for a complaint. This individual issue also raises the possibility that this company is making many " mistakes '' to their customers transactions and possibly illegally profiting by them. Please assist in resolving this issue and review their number of accounting " mistakes '' that always are in their favor.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called company about an account reporting on my credit file that couldnt be verified. They could not provide a copy of the original signed consumer contract as they should as stated according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. They even failed to respond. Agent said they sent out a letter stating they do not have a copy of the contract. I demanded to see verifiable proof of ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
Creditor 1 XXXX XXXX Creditor 2 XXXX XXXX XXXX Creditor 3 XXXX XXXX XXXX  XXXX XXXX They have failed to positively verify these accounts. Under the Fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts above.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I notified XXXXXXXX XXXX XXXX XXXXXXXX that I was a victim of identity theft and disputed a fraudulent account associated with a credit card ending in XXXX. This account, with a balance of {$1700.00}, was opened in XX/XX/XXXX without my knowledge or authorization while I was incarcerated from XXXX to XXXX. I have never applied for or opened an account with XXXX XXXX XXXX XXXXXXXX, nor did I authorize anyone to obtain credit in my name. 

As part of my identity theft claim, I filed a police report and submitted an Identity Theft Report to the Federal Trade Commission ( FTC ). XXXX initially removed the fraudulent account from my credit report in XX/XX/XXXX, but it was placed back on my credit report in XX/XX/XXXX. XXXX later claimed that a member of my household or family, listed as an authorized user on the account, had benefited from the activity. They stated this was a civil matter between myself and the individual involved. 

This explanation is both erroneous and unacceptable. I did not authorize any person, whether related to me or not, to open or use an account in my name. Aspires assumption that I may be responsible for the account due to my last name is both unfair and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Steps I have taken : I filed a police report and an FTC Identity Theft Report. 
I have disputed this account multiple times directly with XXXXXXXX XXXX XXXX XXXX 
I provided documentation proving I was incarcerated during the time the account was opened and could not have authorized its creation. 
Despite these efforts, XXXX has failed to resolve this matter. Their actions have caused significant harm to my credit and financial reputation, and they have not provided evidence to substantiate their claim that I am responsible for the account with a balance of {$1700.00}. 

I believe Aspires handling of this matter demonstrates willful negligence and a disregard for my rights as a consumer. I ask the CFPB to intervene to resolve this issue promptly and fairly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from XXXX XXXX was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. XXXX XXXX indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to Transunion, XXXXXXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint today against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Comsumer Finacial 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 Electric 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 or other personal consumer reports

I am XXXX  unstable, and i can not get the medical help that I need because I'm being declined due to my low credit scores. All because the company did not check whether or not they are reporting accurate information in my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my dispuies regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Hi, I had previously set up an automatic recurring transfer of my unemployment funds to go to my bank account, however when I get my funds I get an email alert saying that the transfer did not go through. I also tried doing a one time transfer, so i think that maybe both of those inputs may have clashed with each other, and it's now pending for weeks. I'm unable to cancel the pending transfer.

I haven't been able to make any transfers for a few weeks now. The Bank of America site no longer gives me the option to change any settings regarding transfers. I emailed them 3 times with no reply. I called their customer service line and the customer service people said that they can't cancel the pending charge either and that I maybe just have to keep waiting it out.

I'd appreciate any other solutions if you have any. I need to pay off my credit card but can not if I don't transfer my unemployment funds to my bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : DISPUTE OF INACCURATE INFORMATION CHARGE-OFF ACCOUNT To Whom It May Concern, I am writing to formally dispute the accuracy of information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing a charge-off account listed with the following details : ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX BALANCE REPORTED : {$12000.00} This account is inaccurately reported, and I believe it should be removed for the following reasons : 1. Lack of Proper Verification ( 15 U.S.C. 1681e ( b ) ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information contained in credit reports. This account has not been properly verified as accurate or complete. I never received a 1099-C form, which is required when a debt is canceled or forgiven. Without this form, the debt 's status is questionable and may be inaccurately reported.

2. Reinvestigation Requirement ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the reporting agency must reinvestigate any disputed item and promptly delete or modify the information if it can not be verified as accurate. I am requesting a reinvestigation of this account, and if it can not be verified, it must be removed from my credit report.

I request that you : Investigate this matter in compliance with the FCRA.

Provide documentation verifying the accuracy of this account or delete it from my credit report.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a flight through Chase Ultimate Rewards Travel using a combination of points and my credit card - the price of the flights were close to {$3000.00}. 
My flight was supposed to be to XXXX in XX/XX/2021. My flights were CANCELLED by the airline due to XXXX being closed to tourists because of Covid-19. 
XXXX XXXXXXXX XXXX  website says that I am eligible for a full refund in lieu of flight credits : XXXX XXXX XXXXXXXX Chase Travel has also reached out to me multiple times saying that my flights were eligible for a refund, and that they are working on it. 

Today ( XX/XX/2021 ), I received an email saying I am no longer receiving a refund and that I am only eligible for flight credit. 

I am LIVID. This process has been the WORST customer service experience I've ever had. The Travel agents do not understand my situation, frequently tell me incorrect information, and I've had to waste hours and hours of my time calling back. I have been trying to get this refund since XXXX. Chase Travel has in the past told me it would take 45 days to get a refund, which turned into 6 weeks, which turned into 12 weeks, which turned into indefinitely, and is now " you're not eligible for a refund. '' If this was a normal credit card purchase through the airline directly, I could've already disputed this charge or could have worked with the airline directly to get a refund. I feel scammed and I know Chase has ROBBED me of {$3000.00}. 

For anyone thinking about using Chase Ultimate Rewards Travel portal for any purchases, DO NOT DO IT. It's not worth having to deal with the agents or any hassles that might pop up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the presence of several fraudulent accounts on my credit report. Upon careful review, it has become apparent that these accounts are not mine and have been erroneously included in my credit history. The gravity of this situation can not be understated, as these inaccuracies have the potential to significantly impact my financial standing and credibility. I have taken proactive steps to rectify this matter by contacting the respective companies associated with these fraudulent accounts. Through these communications, I have obtained assurances that these accounts will be promptly removed from my credit report with your bureau 's assistance. Furthermore, I have diligently followed the necessary procedures and submitted the required documentation to the Federal Trade Commission ( FTC ) to support my claim of identity theft and fraudulent activity. Please take off these accounts from my file : XXXX XXXX XXXX XXXX