23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 solution 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: Checking or savings account

During the Covid pandemic, I had BECU. I'd signed up on XXXX, and had them take out expenses. I did not have the money in my account, and did not realize. They began charging me late fees for the transactions trying to be taken out, sometimes up to XXXX times. It was bizarre because I had money in my other account, and it was not moved over as they typically do. 

Overall, they took almost {$600.00} in late fees. A year later, they sent an email which said I was unable to sue them. At this time, it was illegal to take late fees due to the pandemic, and BECU said they would suspend and return late fees, but they did not for my account. This was XXXX and XXXX of 2020.
Product: Credit reporting or other personal consumer reports

The inquiry dated XX/XX/year> from XXXX XXXX is fraud please remove it off my credit file, see attached FTC Report.
Product: Debt collection

In XXXX I purchased a XXXX XXXX from Exter finance and received the title. I took that title and traded it in on my current car which is a XXXX XXXX XXXX XXXX. The dealership where i got my XXXX took the title and gave me credit for my car because I had owned it now years later Exeter finance is trying to say I still owe thousands of dollars for this car that has been traded in and payed for. Ive tried to contact them multiple times and explain to them that the car was paid off and the title was received they keep telling me that it was a mistake that I received my title and that I still owe a balance which is not true. I told him that I was going to dispute it through the credit agency and they told me to go ahead that it would remain on my credit for seven years. Their destructive behavior and destructive attitude is continuously bringing harm to my credit report my credit worthiness and opportunities. Please remove help me in dealing with this matter. Thank you in advance
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  accounts : XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.
Product: Debt collection

I have been trying to get validation of the debt and all I keep being told by company that it is valid and I advised the company that I was a victim of Identity Theft and I needed validation. I disputed with the credit reporting agencies and the credit reporting agencies have my identity theft packets. XX/XX/XXXX-XX/XX/XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Failure to perform an investigation XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Failure to perform an investigation XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Citi double cash offered me an interest free balance transfer. 

I used the offer on XXXX XXXX for a balance transfer of {$1900.00}, transfer fee was {$59.00}. 
My purchase for that billing period was {$2300.00}. 
My statement has a balance of {$4300.00} ( including transferred balance and transfer fee ). 

I paid {$2500.00}, which is more than my purchase for the month, and cover some of the transferred balance. 

On XXXX XXXX, I received the new statement, which charged me {$16.00} as " interest on purchase '', even though as I mentioned above, I paid more than my purchase for last billing cycle. 

I called Citi and they said they will credit my interest back. However, They can not tell me where the problem was and why they fraudulently charged interest on the balance from " no interest balance transfer ''.
Product: Checking or savings account

I received a letter saying that I abused the claims process and that they would be closing my account. This didnt make sense so when I called I was advised they could close my account for any reason at anytime. I received my direct deposit and my online account doesnt show closed at all. The direct deposit of my social security doesnt show up at all. The XXXX XXXX latter it was manually entered. I was advised that I would not be able to access the money that I received from social security and there was nothing I could do about it. They closed my account account without informing me the day before my deposit hit. I received my deposit XX/XX/year> and still dont have my check, nor a reason why.
Product: Bank account or service

We have made this complaint earlier this year. First Niagara has been taking out NSF fees when they were not supposed to. 
Their policies and procedures seem to change between each person.
Product: Credit reporting or other personal consumer reports

I don't recognize these credit inquiries and I have asked for them to be removed and the bureaus did not do as I asked. I'm providing an identity theft report that I will attach to this and I'm requesting them to be removed because they are inaccurate and not mines.
Product: Debt collection

Credit International i s attempting to collect a debt over {$4000.00} for a balance they received from  XXXX   XXXX . The interlock device was removed from my car. There were several attempts to resolve the issue with  XXXX   XXXX  and they declined the settlement offer. They waiting 4 years to send to collection agency. My balance prior to all the late charges and finances charges for 4 years added up to the balance over {$2700.00}, now I am being told  that Credit International is w anting over {$4000.00} for the balance that was owed after the interlock was removed from my car. Several attempts to settle the issue with  XXXX   XXXX  is documented and they declined to the settlement offer.
Product: Money transfer, virtual currency, or money service

I issued a payment from my online bank account with Chime to a medical provider, XXXX, on XX/XX/2020. XXXX has advised they are unable to locate the payment and require a copy of the cashed check in order to investigate the issue. Chime has advised me the check was cashed on XX/XX/2020. 

I have contacted Chime on numerous occasions for over a month now requesting this check copy and I continue to be bounced around. Today my husband briefly spoke with a supervisor only for the supervisor to claim a check copy can not be obtained - in contrary to what was previously told to me over the last few weeks - and then the line was disconnected ( and Chime made no attempt to call me back ). 

I now need the assistance of CFPB to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 719transunion has me at a score around 590. 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the sudden closure of my bank account by JPMorgan Chase Bank , N.A . ( " Chase '' ). Despite my efforts to obtain information, Chase has not provided any explanation or justification for the closure. I can not remember the exact dates and Chase refuses to give me those dates but I do know that my account was closed before XXXX. After that I was approved for a credit card through Chase from Amazon XXXX and which I received the letter then my account will be closed as of XX/XX/XXXX and I was given no reason or explanation as of why. I contacted Chases customer service department in XXXX of XXXX to inquire about the reasons for the closure of my account. Unfortunately, I was informed that they could not provide me with any specific details or reasons for this action. I made multiple attempts to seek clarification both via phone and in-person at my local branch, but each effort was met with the same response.The lack of transparency and communication from Chase has caused me significant inconvenience and distress. As a customer, I believe I have the right to understand why my account was closed and to receive a formal explanation.I am requesting the Consumer Financial Protection Bureau to assist me in obtaining a clear and detailed explanation from Chase regarding the closure of my account. Additionally, I would appreciate any guidance or assistance that the CFPB can provide to ensure that this matter is resolved promptly and fairly.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters..
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was deleted and replaced back onto my account. I requested per FCRA on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX an dXX/XX/XXXX for Experian to provide me with the actual documents they have on file to substantiate this charge-off. This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Experian once again permanently delete this account with a credit limit of {$600.00}.
Product: Credit reporting or other personal consumer reports

I have submitted disputes and I didn't get a response within XXXX  days and they are required by law to do so. Please investigate my disputes. Thank you very much.
Product: Debt collection

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XXXX XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XXXX XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off my loans with Mohela back in XX/XX/year> but it is still showing up on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX, Experian, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX 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 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, credit repair services, or other personal consumer reports

The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. BMW FINANCIAL SERVICES have knowingly reported inaccurate amount due to the credit bureaus. I also had Gap Insurance coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for Gap Insurance. BMW FINANCIAL SERVICES also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if BMW FINANCIAL SERVICES have been sending my mail to this address. ALSO BMW IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.