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 inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPS ). Specifically, Cash App failed to take a timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthemore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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: Credit reporting or other personal consumer reports

No actions has been taken by company or updated information and also has wrong information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : Today XX/XX/XXXX problems continue. I tried on XX/XX/XXXX, and XX/XX/XXXX to get my credit report. The Equifax program failed both times. As a result it shows that I received the report on me 2 times. But I never did. It will not permit another intent.Due to Equifax failures I have not had an up-to-date / valid report from Equifax in years. Equifax would not update / correct my residence address even though I submitted the requested forms in the format requested. The last address they listed was in XXXX - a mail service which I have used. They muttled that too. 
The reason for request is that there is a fraudulent collection report for something in the USA when I have not lived in the USA for years! The online Equifax dispute program does not function because Equifax shows a " File Blocked For Promotional Purposes ''. What? 
I have an ID & password with Equifax. That should permit me to do all that I need to do. 
The Equifax telephones ALSO DO NOT FUNCTION to talk to an agent. 
Also, I have lived in XXXX for 23 years. XXXX has its own credit system. The only info which Equifax may legally have related to me is historic. 

Also, I have just learned that I am a victim of the Equifax XX/XX/XXXX data breach. This further entitles me to assistance clearing up errors in their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to a credit education class and one of things i was told was to monitor my credit report. I checked my credit report for the first time in awhile and i see a few items on my credit report that are not mine. I need these items deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted the FTC and my police department.
Product: Checking or savings account

Bank of America charged me overdraft fees more than 1 time in one transaction
Product: Checking or savings account

I was reported to XXXX XXXX XXXX XXXX for : ACCOUNT ABUSE by US Bank. I have paid the amount on the Charge Off Account for {$81.00} and the other settlement account for {$140.00}. Dates : Closed XX/XX/year> and XX/XX/year> Paid Settlement Offered : {$140.00}.
Product: Mortgage

We just received a request for payment of our mortgage from a new lender, so our loan must have been sold. However, we just sent XXXX payments ( the additional payments will go towards principal ) to Bank of America, not knowing they sold the loan. What is our best course of action? We do n't have the cash on hand to make a payment to the new servicer, how do we get the money from BoA to the new company? Is there a way to block loans from being sold? The new servicer is called XXXX, is that a reputable company?
Product: Credit reporting or other personal consumer reports

Peace Unto You! 

Today marks the day of a major issue with all consumer reporting agencies. See attachment below to see my documentation that states what specific information I want removed from my consumer report and what information I dont want to be reported. 

I as a consumer have this right by law. Act 15 USC 6802 gives me the right to Opt Out of anything regarding to reports to my consumer report and there are consumer reporting agencies that are disregarding this fact. See attachment below to see what XXXX said in regards to my dispute. This is highly unethical, illegal, and simply not fair, and as the CFPB its your responsibility to assist me when these consumer reporting agencies simply disregard my request to have information removed. 

I as a consumer have the right to gather any documentation, regardless of the Source, that includes in totality the Consumer Laws in order to file any dispute, for in Consumer law I have the right to privacy and its the Consumer Reporting Agencies Obligation to adhere to my disputes. Not the other way around. 

In summary, I simply gathered documentation that I used for my dispute, and in this documentation it clearly shows the laws that ALL consumer reporting agencies must adhere to. 

It is UNACCEPTABLE for a consumer reporting agency to deny my RIGHT as a consumer to have what I demanded to be removed from my consumer report. 


And so it is.
Product: Credit reporting or other personal consumer reports

As a Consumer, my rights have been violated according to the Fair Credit Reporting Act. * 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. * 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 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. I insist this creditor ( XXXX CREDIT ) remove this late negative charge from my account. My account is in good standing and paid.
Product: Credit card or prepaid card

Yeah, I just got a XXXX 's Prepaid XXXX in the mail without requesting it and not being accepted by a company, that I'm aware of. The letter included that it was provided by the XXXX XXXX XXXX XXXX, but that sounds made up. Why do I have this card and how do I get rid of it?
Product: Debt collection

On XX/XX/year>, I sent a formal debt validation request to the law firm Rausch Sturm LLP regarding a XXXX XXXX  account. I sent it via certified mail, and they never responded to my request. 

Despite not validating the debt, the firm filed a lawsuit in court. I then made a good-faith payment of {$25.00} on XX/XX/year>, and on the same week I submitted a written payment proposal through their website, offering to pay {$100.00} per month starting XX/XX/XXXX. Again, I received no response. 

This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ). They initiated legal action without validating the debt and ignored multiple good-faith efforts to resolve the situation. I am now facing a court hearing on XX/XX/year>, while the company has refused to engage in any fair negotiation or respond to my proposals. 

I am requesting that the CFPB investigates this case and urges Rausch Sturm LLP to respond to my proposal and halt legal proceedings until the matter is properly addressed.
Product: Credit card or prepaid card

XX/XX/2022 I paid my Comenity account completely. I did not realize {$2.00} interest fee was placed on my account after paid. This caused multiple late fees. When I caught on in XXXX or XXXX that they were calling me about this account I had already accumulated multiple late fees. I called and the representative stated that they were going to waive these fees. This process took about XXXX XXXX  to process and in the meantime they were repotting my account as delinquent. My XXXX XXXX dropped like XXXX points because of this situation. This is how these companies get more money out of customers who have paid their accounts off.
Product: Debt collection

I applied in XXXX for Care Credit and was denied. 

I left it at that .... However I received in the Month of XXXX that an alleged debt is owed in the name of XXXX XXXX. I have various recorded calls notifying XXXX, XXXX and XXXX that I do not do business in that name. I only do business with the name ( XXXX XXXX XXXX XXXX ) on the Social Security card... all other derivatives are FRAUD. 

I am now Pending Litigation against XXXX and XXXX. I will be proceeding with Legal Action against all parties mentioned herein, if this/these issue ( s ) are not corrected and resolved.

I will be seeking relief for violation ( s ) of 5 USC 552A ; 15 USC 1605 ; 15 USC 1666D ; 15 USC 1692; ETC.

I have written various letters and am now beyond their negligence of the XXXX  XXXX, XXXX, XXXX  and XXXX debt collector ( XXXX ) that are not willing to resolve these matters.
Product: Credit card or prepaid card

I recently found 2 different prepaid Visa debit cards that were gifted to me on different occasions. One was for {$25.00} ( valid through XX/XX/XXXX ), the other for {$50.00} ( valid through XX/XX/XXXX ). They were both more than 2 years old but had been hidden in a box where I recently discovered them. While the fine print on the back of the packages state the amounts will start getting deducted after inactivity, I don't think that companies should be able to do this since they are paid for and treated as cash. When I checked the balances online, both indeed had {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian report.Under loans prequalified for. I chose XXXX XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX  and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Vehicle loan or lease

I have an auto loan with fifth third bank. I've consistently paid my bill, and set up autopay so that I didn't have to remember to manually pay the bill each month. 

For my bill that was due on XX/XX/2023, the autopay did not process. This led to be missing a payment, hurting my previously excellent credit score, and causing additional fees. 

I

called and requested additional information as was told that they didn't know why the autopay didn't process and that nobody in the company would be able to tell me that information. I asked that the credit issue be removed as it was due to an error which they said they could not do. When I mentioned that I would be filing a complaint they offered to waive the fees, but maintained that they would not remove the credit issue. I asked to speak to someone at a higher level and was told I would receive a call in the future. The call never came. I eventually paid off the balance due because I didn't want to be 60 days in default, and at that point also had to pay the late fees. I can only wonder if the company is intentionally cutting off their autopay in order to create additional fees for customers. I simply would like this black mark removed from my credit.
Product: Mortgage

I suffered a XXXX and a XXXX XXXX in XX/XX/XXXX. I applied for help with Keep your Home California and received it in XX/XX/XXXX but according to the mortgage company my payments didnt lower in fact they went up still leaving me struggling. Now a new mortgage company has taken over this year PHH Acct XXXX and when I wrote them and requested to apply for another modification with better payments I was told to find the old one that was sent its still is active. But a few days later I received in the mail I was no longer eligible and my choice was foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 Balance : {$430.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.
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 Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... *AFTER* I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged an inaccurate amount of {$4400.00} to my Experian credit report. I have disputed this account several times and they will not remove it. I am being charged 2 extra months of rent and other fees by the creditor called XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX The creditor has already been deleted from my XXXX and my XXXX Credit report. The creditor is wrongfully charging me an amount of money that I do not owe. They are lying saying that I have broke my lease when I did not break my lease. My lease was up on XXXX XXXX. I did not move out until my lease was over. There is no proof that I broke my lease. I still had belongings in my apartment and was still living there and had the keys.The creditor just keeps showing a receipt that they made up saying that we owe an amount that we do not owe. I need this removed off of my Experian credit report. I will not pay for something I do not owe.I have disputed this several times with Experian and they will not remove this off of my Experian credit report. I am being lied on by the creditor and they have no proof of me breaking my lease, and this has been removed from the other two credit bureaus which are XXXX and XXXX. So Experian needs to remove this from my credit report like the other 2 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items information which iare found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files.XXXX  XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$2.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX TXXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt collection account that I did not authorize, which has been reported on my credit report. This account has caused significant harm to my credit standing and has negatively impacted my financial well-being. 

Unauthorized Debt Collection : XXXX XXXX XXXX  XXXX {$470.00} Unauthorized Debt Collection : XXXX XXXX XXXX {$670.00} Unauthorized Debt Collection : I XXXX XXXX XXXX XXXX {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX  vs XXXX XXXX corporation us court of appeals for the XXXX circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> I received a hard inquiry alert from Barclays Bank of Delaware and never applied for any credit from them. XX/XX/XXXX I called and spoke with a representative who said my information was never in their database and she checked with their security department who also confirmed that my information was never in the system and no application has ever been submitted or processed for credit. Then XXXX told me to file a claim with the CFPB so you all can request the inquiry be removed from my credit report.
Product: Debt collection

On behalf of Regional XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. has not provided a letter to my address indicating ( on paper ) that this debt has been paid, despite the fact that the debt has been satisfied. I have had conversations with three representatives, and each of them has informed me that a letter will be sent to my address via mail to demonstrate that the debt has been satisfied ; however, as of this writing, I have not received said letter.
Product: Credit card

ISSUE # 1 I called my BestBuy Citi to make a payment on a non promotional balance and the representative advised me a different amount than the purchase amount. I asked him why is the amount higher, he advised me it was due to a promotional balance that was not paid off in time and left some balance of around XXXX dollars. I advised I was making more than the advertised amount per month to payoff the balance within 12 month ( which is the 0.00 % period ). I asked for a payments history and the agent we do not provide history from XX/XX/XXXX. I asked him to send me the statements electronically he said no. They have to be mailed. 

ISSUE # XXXX Citi seems to be hiding the non promotional balances online. When you try to make a payment it should allow you to target payments to a specific promotion if you have multiple or non promotional balance due. If you want to make a payment, you can pay total amount, minimum payment, other amount. Why is it not showing the break down of the promotion non promotional balance? What if I wan na pay towards sonething specific. Please note all this when I have auto pay pulling so it not interfering with the regular monthly payments. This information should be accessible on the web. 

ISSUE # 3 If I have a remaining balance since XXXX of XXXX for XXXX some dollars and I pay XXXX dollars every month since XXXX of XXXX how Im I accruing interest on a remaining XXXX or XXXX or even XXXX dollars? Shouldn't payments apply to outstanding interest first?