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

I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Customer 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 in deceptive, as they did not comply with error resolution requires on the XXXX XXXX Fraud Transfer Act ( ETTA ) and Regulation E. These acts have caused significant inconvenience in financial loss, and I see appropriate redness for these violations.
Product: Payday loan

My husband got a call from High Point Assets inc, about some payday loans that I have n't aplly for or received any money from.When I tried to call the agency a lady with the name XXXX, talked to me with a very bad, rude attitude, and told me about those payday loans.And when I was trying to explain to her that I did n't apply for any of those loans, she was trying to interrupt me, like I was stupid and I did n't know what is going on.I also told her to send me by email those " creditors '', so I can see who are these people.They sent me XXXX pages with the pay day loans from XXXX through XXXX .First creditor is XXXX for {$510.00} dollars, second amount {$400.00}, XXXX is {$430.00} and the fourth amount is $ XXXX.They also are calling at my house phone and my husbund 's cell but not me that its my name on the papers.I did a little bit research, and it looks like they are artists scammers.I never took nor I apply for those payday loans and I despude ALL THE CHARGES
Product: Credit reporting or other personal consumer reports

Transunion is reporting a bankruptcy on my credit report. I provided a letter from the US bankruptcy clerk stating they did not report any information to any credit bureau along with a copy of my drivers license. It has been well over XXXX days and Transunion has not not provide the information yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free copy of my credit report and received it from XXXX XXXX., because I was denied credit from my credit union. What I found was Discover Financial Services has be making 2 inquires a month starting XX/XX/XXXX which has continued until XX/XX/XXXX. I have not authorized any inquires. There should be no companies inquiring into my credit report unless I've submitted an application for credit..The only request I've made for credit was with the XXXX XXXX XXXX XXXX XXXX and that was XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I had fraudulent accounts. please remove this due to negative impacts
Product: Student loan

I was contacted by the Ameritech Company to initiate the process of student loan forgiveness I was told I qualified for. I paid a {$1200.00} dollar fee to initiate and was given a lower payment plan and was to send this payment to Ameritech. At the end of 10 years, the balance of my loan was to be forgiven. I later found out that after about 1 year of making the payment ( which I thought was going toward my student loan ) I found out that the payment to Ameritech was not coming off of my student loans at all. The only way I found out was when I received paper work to renew with Ameritech the next year. I contacted XXXX at that time and they explained to me that the payments were being made to Ameritech just for paper work, etc .... The entire time, my loan was in Forbearance and interest was building. I am not sure of exact dates, I think the time frame was from XXXX - XXXX. 
I have received notification that the Federal Trade Commission has taken legal action against Ameritech. Ameritech has since closed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of the receipt. I Have Attached My FTC Report To This Compliant To Prevent Further Staff Tactics From Experian
Product: Credit reporting or other personal consumer reports

I have unauthorized and unvarified credit inquires on my credit profile begining on XX/XX/23 thru XX/XX/23. I have reached out to both business and filed a complaints.
Product: Credit card

1. 15 U.S.C. 1692g - Validation of Debts : * Your company failed to provide me with proper validation of the alleged debt within the required time frame.

* I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information.

2. 15 U.S.C. 1692c - Communication Restrictions : * Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information. 
* I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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, 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 USC1618 Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 or other personal consumer reports

My credit report is showing several unauthorized inquiries on my credit report that needs to be removed immediately. Listed below will be the dates as well as the bureaus of the unauthorized inquiriesXXXX 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 XXXXXXXX XXXX XXXX. These unauthorized inquiries needs to be removed immediately.
Product: Money transfers

My bank account was grossly mishandle. I called customer service at Bank of America to ask for a loan for my hearing aid. The representative over the phone told me about a XXXX LOAN. I trusted what they told me and I thought that I was getting an interest free loan for {$5000.00} which could be paid off monthly over the course of a year which would be deposited to my checking account. Instead a CASH ADVANCE was deposited to my checking account and then withdrawn without my knowledge resulting in an OVERDRAFT PROTECTION and OVER DRAFT FEE on top of all of this. THIS IS NOT WHAT I WANTED. I ended up returning the XXXX and the {$5000.00} was returned to Bank of America from the merchant but I am still suffering interest debt and emotional and financial distress as a result of this mishap.
Product: Credit reporting, credit repair services, or other personal consumer reports

PENTAGON FEDERAL CREDIT UNION reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with Pentagon Federal Union a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do.

The only documentation they were able to provide was a Notice to Guarantor from Pentagon Federal Credit Union and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from Pentagon Federal Credit Union clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they Pentagon Federal Credit Union have fail to follow and adhere to.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic Issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach, and I have identified unauthorized credit inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by J J MARSHALL ASSOCIATES. This complaint concerns a case of identity theft and the failure of J J MARSHALL ASSOCIATES to properly verify the ownership of the debt before reporting it. The key facts of the situation are as follows : The debt in question was originally held by XXXX XXXX XXXX XXXX, which they charged off and subsequently closed. Afterward, XXXX XXXX XXXX XXXX sold the debt to J J MARSHALL ASSOCIATES, a debt buyer. Despite the fact that XXXX XXXX XXXX XXXX had charged off and closed the account, J J MARSHALL ASSOCIATES is now reporting the debt as open and active on my credit report. I requested debt validation from J J MARSHALL ASSOCIATES, and they failed to provide any sufficient proof that this debt belongs to me. It appears that J J MARSHALL ASSOCIATES simply relied on information provided by XXXX XXXX XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. As a result, J J MARSHALL ASSOCIATES is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by J J MARSHALL ASSOCIATES, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. A thorough investigation into the validity of this debt, ensuring that J J MARSHALL ASSOCIATES follows the proper procedures to validate the debt before reporting it on my credit report. Assistance in correcting my credit report, ensuring that the wrongful information reported by J J MARSHALL ASSOCIATES is removed. I have attached relevant documentation, including my request for debt validation, correspondence with.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for transunion reporting inaccurate inconsistent fraudulent accounts on my credit report under 15usc1681 c-2 to block/delete information within 4 business days as a result of idenity theft or fraud.attached is a copy of the ftc report # XXXX as proof.i belief thebfollowing accounts listed are result of the resent data breach account # 1. XXXX XXXX. Acount # XXXX opened XXXX XXXX balance of {$26000.00} account # XXXX. XXXX XXXX acount # XXXX opened on XX/XX/XXXX balance {$1400.00} account # XXXX. balance {$63.00} opened on XX/XX/XXXX account # XXXX balance {$170.00} opened on XX/XX/XXXX these accounts are results of idenity theft please delete accounts within business days in compliance of 15usc1681 c-2 please email me at XXXX and send me an updated credit report reflecting these 4 accounts removed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I sent a debt validation notice to the company demanding requested documentation upon receipt of my request they company never responded to me. I then sent a notice of intent to file a lawsuit and still was not provided with the request documentation to validate the debt
Product: Student loan

Sent in my XXXX application in XXXX which will be my XXXX qualifying payments. It been 7 months now and they are still processing my application. I contacted them Mutiple times and no one has giving me an answer. We are waiting on this for a mortgage application and to move.
Product: Credit reporting or other personal consumer reports

I this is to follow up regarding the unresolved issues of fraudulent items on my credit report. Despite my previous attempts to rectify these inaccuracies, these errors persist and continue to adversely affect my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and free from errors. The persistent presence of these fraud items are a clear violation of the FCRA, and it continues to impact my ability to access credit, secure loans, and make important financial decisions. 

I request that your agency conducts an immediate and thorough reinvestigation into these items, reviewing the documentation I have previously provided and any new evidence that may be necessary. It is imperative that you correct these inaccuracies and update my credit report accordingly without further errors. Additionally, I expect your agency to notify all the credit reporting agencies to which you have provided this erroneous information, as required by law, to ensure these inaccuracies are not further disseminated. Please help me remove these items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XXXX. Financed through XXXX XXXX auto. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX  to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a XX/XX/XXXX late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.
Product: Checking or savings account

In XX/XX/year>, I was contacted via text and then via phone call from a person who represented themselves as an employee of B of A who was trying to stop an unauthorized XXXX transaction. The proceeded to walk me through a series of steps while I was logged into my account. The end result was that they scammed me into a {$7000.00} wire transfer to XXXX a bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX company XXXX XXXX keeps running my credit and I keep having unauthorized inquiries and equifax will not remove them. I have a freeze on my report and an ftc report. Equifax sent a letter saying they verified them and they are accurate and they are inaccurate. I have sent all info and called several times to get them removed and equifax will not remove these unauthorized inquiries my credit report has been frozen since XX/XX/2022. XXXX XXXX keeps harassing me and sending unsolicited emails to esign documents when I never been in contact with them to refinance or have new credit
Product: Credit card or prepaid card

I applied for XXXX and never knew that they sent 7 cards to me due to never receiving any. I have received one card and when I received a email from BofA prepaid edd. Stating call the claims department I did so and found out that someone had stolen all the funding given to me from pandemic edd. I have submitted all paperwork they have requested and still have not been reissued the money that they is due to me. I have repeatedly called and complained still no resolution. One of the claims is 62 days and no denial or acceptance has been reached. They say it takes 45 days now Im receiving the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2019, I went to a auto company ( XXXX XXXX XXXX  in XXXX, OK ) hoping to finance a car through them. Going in their oblivious to what they were trying to pull, they said things to me that weren't true. They told me they needed money ( {$100.00} ) to put an application through, which was false. They also told me and advertise, that they in fact do not run credit. Me being a first time buyer, heard that and went through with it. Turns out, they ran my credit and it left me with a hard inquiry on my credit report. Had I been told, they in fact will run my credit, I would've walked out the door. Me and my mother both called them, and the sales man told me they do not run credit, yet my report says otherwise. We asked to speak with the manager or supervisor and he then said they do run credit and he will speak with the salesman about the false information he gave me. Apparently their was nothing more they can do at that point. Very ignorant, lazy, and poor communication going on in that business. They clearly just wanted to make a sale and took advantage of a first time buyer.
Product: Debt collection

Its a property management condo apartments and I went to rent there with my family and told them the reason I was trying to move there because theres mold in the previous premise I was living and I proof that legally so I could move. They told me not to worry they would have a good apartment and when it gets a few days of moving the apartment was in bad condition so I did not trust them anymore! They told me they were going to find another apartment for me but it was on the second floor and then coming from This horrible experience with my family and XXXX kids I decided to not rent there and I didnt not even signed a rental contract! Now they want to charge me certain amount and keep putting me in collection for no reason, XXXX months has passed, last time I dispute with XXXX XXXX. And it was take out of my credit report and now they come again. Please help me! Its absurd this situation.