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

Consumer Name : [ XXXX, XXXX ], Consumer Social Security Number : [ XXXX ], Consumer Date of Birth : [ XX/XX/scrub>XX/XX/XXXX ] Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX Account # : - XXXXXXXX XXXX / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX XXXX Account XXXX : - XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX  Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 caus
e to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated the FCRA 605. I have submitted documentation and a police report but they have not removed the fraudulent accounts.
Product: Debt collection

Reliant Capital called me today to inform me of a debt they have had on me since XX/XX/2021. They did not send me any written notice about the matter. When they called me today the collector was trying to persuade me to pay the debt off in full and telling me I hade to pay it right away. The debt in question was actually covered by a scholarship and all the requirements of the scholarship were met. When I told her that she started to precede to say I had to pay them right away and they would start more aggressive debt collecting tactics. I believe she realized when the debt was covered by the scholarship they would not get any money so was forceful with trying to collect it.
Product: Credit card or prepaid card

This is a new complaint against Wells Fargo Bank N.A , Wells Fargo & Company , Wells Fargo Credit Card Services , Wells Fargo Collections Department , and their involved agents and/or contractors and/or consultants and/or decision makers and it is in response to the misleading and/or non-truthful information made against my person by the above defendants and/or violators of many of my rights and in violation of many laws ( I attached a copy of Wells Fargo Bank feedback in reference to CFPB complaint XXXX which I rejected it at its entirely and I reserve my rights and I reserve the right to respond herein since that feedback contained misleading and/or lies about my person ). Today XX/XX/2019. I am complaining against the ability be named as defendants . I am complaining about their almost daily violations of my rights asserted by the Privacy Act . They are using my information left and right to cover up their retaliation against my person for engaging in protected activities (I complained or reported to regulators and government  about those defendants’ involvement in possible violations of different laws and their own consent orders with the CFPB and OCC . I also complained to regulators and government about their retaliation against my person continuously to the present and other complaints against them were made by my person and all were made with good faith and to defend the public interest first from their greed and corruption ...etc). All what stated in the attached file is rejected at its entirely and they are noticed of my rejection again via the CFPB . Your cover up tools, harassments, involving agents , lies and so many other criminal activities that you continuing to do against me will all fail so you be assured of that . Your Violations against me have serious legal consequences and you will be held accountable for them following role of law which I believe you are not following and your money , your connections , your illusive power will fail front of the role of law and the Constitution and the public and God is with me until you are defeated in a court of law. Keeping your provocations against me will not succeed. I reserve all my rights including the right to sue the violators . All stated herein is to my current state’s belief ,knowledge, and understanding and it is all subject to any correction or any change of any kind by my person or my representative or legal counsel and  at any time and without waiving my rights . Thank you ,Today XX/XX/2019.
Product: Credit reporting or other personal consumer reports

There was a fraudulent account opened in my name without my knowledge or doing. I recognized the fraud by reviewing my credit report. I filed a police report, a report with the bank to look into the fraud, and also the Federal Trade Commission. 

This was a very clear case of fraud. The fraudster used an account with XXXX XXXX XXXX which I have never heard of or opened an account with. XXXX is claiming they verified my employment with XXXX and I have never worked for XXXX XXXX 

XXXX didn't give me any details into why they claim my fraud was denied, or any details of how they looked into the fraud. This a VERY clear fraud case and the bank has done a horrible job investigating my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company hasn't responded to my dispute and has not paid invoice and is currently in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX OF XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance XXXX {$73.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX  : # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me.

The CFPB will take steps to remove my personal information from this description but someone is still able to identify me. Learn how it works. I consent to publishing this description after the has taken these steps.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the 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 card or prepaid card

This is in regards to Complaint numbers XXXX and XXXX ... 

I just saw that Capital One credited my account for the two transaction rebills after rebilling me rather than crediting me as they said they would do ... However, I clearly stated in my complaint that these transaction rebills that were not supposed to be there caused interest charges on my account, and they never removed them. They are as follows ... 


XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$0.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$1.00} Please tell Capital One to remove these charges. They've given me enough of a headache and wasted enough of my time ...
Product: Credit card or prepaid card

We closed our visa card account with Citi Cards on XX/XX/2018. We received a payoff figure from your customer service agent of {$410.00} and closed it that day. We closed it because we didnt want to pay the {$95.00} annual fee, which the customer service rep subtracted from our final payment before closing the account. I spent an hour on the phone resolving this matter However, the next month we were charged again the {$95.00} annual fee, plus interest. Again, I was forced to call your customer service dept to get this reversed, was put on hold multiple times, and spent another 1.3 hours on the phone with your company. I thought we were finally done. 
Still, the emails and phone calls began 28 days later. I called again and thought it was a closed matter. The next month, it began all over again. 

On XX/XX/2018, I called and was put on hold, forwarded to several people and put on hold for a supervisor. Long story short, the supervisor was apologetic and reversed all charges and promised the balance was XXXX. She gave me a reference number of XXXX. 

The emails and daily phone calls have persisted this month and have continued to harass us! 
Please resolve this issue with your accounting department ASAP. 

We will be filing a complaint with the Consumer Protection Agency regarding this matter.
Product: Debt collection

My identity was stolen. Affirm accounts are not mine but are listed on my credit report. I have already put a fraud alert on my credit report
Product: Debt collection

I have no knowledge of this debt. Credit reports does not show enough information.
Product: Credit card

I applied for a credit card XXXX in late XX/XX/2024. I cancelled this on XX/XX/2024. The original annual fee was {$95.00}. 

I am due a prorated refund, but have not gotten one.
Product: Mortgage

Our house burned in a Tennessee wildfire. Insurance payment was sent to Fairway Mortgage / XXXX in early XXXX. It was {$240000.00}. Mortgage balance is {$150000.00}. At first we wanted to rebuild and keep mortgage, but Fairway would not release overage to us. On XX/XX/XXXX, I was fed up and sent a letter requesting payoff. As of XX/XX/XXXX, it is still not paid off. I call every day and they tell me it is processing and will be paid off soon. Even once it is paid off, they tell me I will not receive payment of my portion for another 30 days. This just seems wrong, and I don't know what to do to get them to pay off my mortgage and release the equity money to me.
Product: Credit reporting or other personal consumer reports

I submitted the correct information but the credit bureaus refuses to correct my information
Product: Credit card or prepaid card

i have a credit card with chase i never been late with payment i always recieve bills in the mail and signed up to get alerts from credit card company i sent in payment by mail as usual even though i did not recieve my last three stastements in the mail or anty alerts as requested evidently payment was not recieved and the XXXX XXXX payment that cleared satisfiedthe amount owed for both month i am now first attempting to refinance my home and first finding out that they did not recieveXX/XX/XXXX payment and put late payment on my credit card very upset that they stop sending me bills in the mail alerts that i requested were not recieved and payment that was made did not clear i have account with them for many years 10 to 15 never had late payment feel i was harmed incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now iXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card

Electrical work service completed on XX/XX/XXXX, deposit of {$2500.00} paid on XX/XX/XXXX and {$5000.00} payment towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Capital One credit card. 

XX/XX/XXXX - Electrician company mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection XXXX times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. 

Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

Contacted Captial One on XX/XX/XXXX file a chargeback claim for both credit card charges of {$2500.00} and {$5000.00}. Both claims were not processed due to different reasons for both claims even though they were in the same timeframe and for the same electrical service completed on XX/XX/XXXX. Captial One was stating that a photo of returned materials to the merchant was needed and the cases were closed - a photo of electrical services can not show how services are used to repair breaker boxes. I explained to Capital One that I was not aware of the incomplete electrical work services that I paid for until XX/XX/XXXX when the electrician company mailed me a letter about the permit still being open. I contacted the merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process the refund before filing the chargeback with Capital One on XX/XX/XXXX. I escalated both claims with a manager of the Dispute & Claims department.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$450.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$720.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

After reviewing my credit reports, ive noticed many random inquiries and have been trying to get them removed and am getting no luck but have submitted the following to XXXX and have attached that report for further review. I would really like to get all thes hard inquiries removed from my credit report as soon as possible. 

Fraudulent inquiries reported : 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 or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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