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

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud oh 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 Electronic Fund Transfer Act ( ETFA ) and regulationbE. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance Owed : {$580.00} ; XXXX XXXX  Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX  has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its been a year
Product: Debt collection

I bought a warranty plan for my hot water heater, that was supposed to cover product replacement and installation. the water heater started leaking and Lowe 's told me, that they could not find a service provider in my area to install or fix the heater. They paid for the new hot water heater with a Lowe 's card {$620.00} which was {$10.00} short for the newer model after finally getting back to me after 2 weeks and water running in the tenants home. They sent me a second card with the wrong name and I had to pay {$800.00} plus new hoses for installation out of pocket. This whole ordeal took 1month, during which the water kept running into the house. This can be validated by XXXX XXXX, a manager at a Arizona XXXX 's who did her best to help us for more than an hour.
Product: Student loan

XXXX serviced of my loan until Navient took over in XX/XX/XXXX. During the time they held my loan, beginning in XX/XX/XXXX, they constantly steered me towards Deferment, Forbearance and Hardship Forbearance when I would have qualified for those six years they serviced my loan for an income based repayment plan. Had is been accurately provided the information needed to make decisions based on all of the available options, I would be nearly 10 years down an income based plan that would have my loans discharged after 300 months of consecutive payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items on credit report older than 7 years since date open have not been removed. Instead these items have been " updated. '' this is true for all the credit reporting agencies. They have " removal '' dates for several accounts but not sure if they comply with the fair credit reporting act. Some other disputed items do not have " removal '' dates listed.
Product: Debt collection

I asked for a letter to be mailed to me. I do not want to keep receiving phone calls and I told them. They rudely told me they are not going to send me anything and that I should just pay the bill. Then they said they would remove my phone number from the call list. I do not believe they removed my number and I expect to hear from them again by phone.
Product: Credit card

I paid my credit card balance in full ( {$120.00} on XX/XX/XXXX ) before the No Interest promotion expired. I received an email from citi bank stating they wouldn't accept my full payment " To avoid creating a large credit balance '' on XX/XX/XXXX. Citi Bank returns half of my full balance on ( {$52.00} ) XX/XX/XXXX after the due date of XX/XX/XXXX. I never received an auto charge of {$69.00} on XX/XX/XXXX, which is the auto amount and date I have the credit card automatically taken out of my account every month. 
Then on XX/XX/XXXX there was an autopayment taken out for {$69.00} with an interest charge of {$400.00} for the amount I didn't pay in XXXX of XXXX which is also when my No Interest promotion expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVECONTACTED EQUIFAX SEVERAL TIMES REGARDING ACCOUNTS THAT ARE NOT MINE, I AM NEEDING THEM TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. 
THE ACCOUNTS THAT SHOULD BE REMOVED ARE XXXX XXXX, XXXX  XXXX AND XXXX XXXX XXXX,
Product: Mortgage

I was going through a modification I completed all steps.I received final document and I had questions concerning documents regarding names on documents.They transferred my case to another department and was acts to provide a copy of my divorce decree from my ex-husband who I divorced back in XXXX and a copy of a quit claim deed.I provided her with those items.I was then told that my divorce decree had to say I was awarded the house.I originally told XXXX my point of contact that my divorce decree did not say .I informed her that it was n't until XXXX that my ex-husband signed the quit claim deed.I informed her that I documents from the appeals court of California stating that the house belong to me.I faxed them over to her and couple of days later I receive a letter stating I was dropped from modification review because I did not send modification paperwork .Not one time did my new point of contact mention the old modification paperwork and when I called my old point of contact I was told she was no longer handling my case.I feel that my point of contact did poor job in handling my case and that I was treated unfairly.I would like for Wells Fargo to reopen my modification review and also bring my mortgage current .I was told that payments was not do until XXXX because I was approved as long as I completed the trail period.I completed the trail period ahead of time. Wells Fargo was incompetent in approving my modification and they have caused me a financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Account Number XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

Reference Equifax report number XXXX dated XX/XX/XXXX. In reviewing the report, I found XXXX accounts that were present that are no longer reflected on the report received on XX/XX/XXXX. Please ensure the accounts are added back immediately : XXXX ) XXXX XXXX XXXX CLOSED XX/XX/XXXX for {$2000.00} - Paid as Agreed XXXX ) XXXX XXXX XXXX CLOSED XX/XX/XXXX for {$500.00} - Paid as Agreed XXXX ) XXXX  XXXX  XXXX CLOSED XX/XX/XXXX for {$1500.00} - Paid as Agreed XXXX ) XXXX XXXX XXXX CLOSED XX/XX/XXXX for XXXX - Paid as Agreed My credit history is impacted, as well as my overall credit history. I have suffered harm and have dealt with Equifax with credit error issues for years. I need this fixed, as I know company 's have little control over ill-willed employees, but this issue is a legal in nature. Hoping that Equifax will correct immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to remove accounts off credit due to fraud.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my Innovis consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a collection that was fully paid and dismissed by a court. I have tried to get it disputed on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company CAPITAL ONE account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Checking or savings account

On XX/XX/XXXX I attempted to use my current bank card at an ATM to get {$200.00} cash. The ATM operated by XXXX did not dispense my money. I called XXXX they confirmed to me that that money had not been dispensed and told me that I had to file a dispute with my bank. I called my bank and was told that I could not file dispute until the transaction posted. Following day XX/XX/XXXX I filed the dispute. I have gotten no answers yet about this and my money is still held up. I have spoke to XXXX and they have told me that they gave Current bank the information needed long ago and that I shouldve already had my money back. All I can get from Current bank is a cookie cutter copy paste email telling me that disputes can take a while. No answers and theyve been holding up my money for almost 40 days now. Without good reason theyve been holding my money for almost 40 days now without any reason at all except they dont want to give it back or theyre using it or whatever. They tried to tell me that the merchant has 30 days to respond. Well its been almost 40 so either way no matter what scenario they try to say I should have my money by now.
Product: Credit reporting or other personal consumer reports

On XXXX I faxed and emailed my request for Full File Disclosure per 15 USC 1681g ( a ) ( 1 ) and I haven't received a response. 

XX/XX/2023 Sent via XXXX XXXX XXXXXXXX ) XXXX and email XXXX ACCURATE Background, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at ACCURATE and any of ACCURATEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of ACCURATE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. 

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at ACCURATE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by ACCURATE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from ACCURATE and any of its subsidiaries. I am NOT requesting a copy of my credit report. 

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license for the purpose of verifying my identity and nothing more.
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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has 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 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: Debt collection

Got an alert on my credit report & checked it out. This account was open online and fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

carrington mortgage has incorrect information reporting on my credit report. These late payments are affecting my credit file. i asked them to investigate within 30 days and I still havent heard any results or update from them. Its been 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation number XXXX states that Bankruptcy Case Number XXXX was deleted. This is dated on XX/XX/2019. I just spoke with an Equifax Rep that stated that it is still showing up on Equifax. My attorney has just mailed off a letter with the intent to sue. Equifax is reporting damaging information that states that it was already deleted and it hasn't been. Equifax has exactly 15 days and no longer to rectify this issue. I have already spoken to the Courthouse. They do not report information to the credit bureaus. They stated that a third party reports them. From what I understand, that is illegal because inaccurate information can be transcribed from the third party and has. I am not pleased. I spoke with 2 reps and a supposed supervisor. They were of no help.
Product: Vehicle loan or lease

A deferment was not honored, even though I paid the money I was told by their person. 

Plus they have locked me out of my online account so I can not make a payment, go paperless since I am not getting mail the allege they have sent. 
They claim something called a cease a desist was placed on my account, which I did not do so they claim they can not correspond through my email. 

I will not allow phone conversations since their people are not well trained and do not do what they say because they do not seem to know, ignorance is no excuse to XXXX me as they have, intentionally or otherwise. 
I have been trying to resolve with them since XXXX and they are not workable... .they hang up on me, they transfer me to the wrong departments and they do not honor their word. 

I do not want to involve an attorney, but if this is not corrected and resolved properly through this method this time I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX  - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX Equifax Mortgage - XXXX did not authorize this inquiry. Please remove.
Product: Credit card or prepaid card

Discover card closed my accounts even with perfect payment and even paying before payment dates just to keep the accounts healthy. It is wrong and should be illegal to close someone's account without valid reason especially when the account is being taken care of better than most customers. This feels discriminatory as I am of XXXX descent. This resulted in lowering my credit score which therefore harms my chances of being approved for credit at good interest rates. Closing my account also lowered the average age of my credit itself. This alone is an erroneous report on my credit report as I do have over 2 years of credit history with Discover. Discover should reopen my account or delete my account altogether. This just isn't fair in the middle of COVID 19. In addition, I also have perfect credit history with all my other credit card companies. In fact, they are all paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION I RECENTLY RECEIVED INFORMATION STATING THAT MY SS # WAS PART OF A DATA BREECH. I AM A VICTIM OF IDENITY THEFT AS WELL. I CONTACTED YOUR COMPANY IN XX/XX/XXXX REQUESTING FRAUDULENT INQUIRIES ON MY CREDIT REPORT. AND THEY STILL REMAIN ON MY CREDIT REPORT I HAVE CONTACTED THESE COMPANIES AND STILL THEY REMAIN ON MY CREDIT REPORT. ACCORDING TO THE FCRA YOU CAN NOT REPORT INACCURACIES OR UNAUTHORIZED INQUIRIES ON A CONSUMER CREDIT FILE. I AM ASKING FOR IMMEDIATE REMOVAL OF THESE FRAUDULENT INQUIRIES OR YOU WILL BE IN VIOLATION OF SECTION 617 FOR NEGLIGENCE .PLEASE REMOVE THE FOLLOWING FRAUULENT INQUIRIES ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX X 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a consumer, exercising my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). It has come to my attention that your agency has been reporting several inaccuracies on my credit report, which is a direct violation of my rights under the FCRA.

Specifically, I have identified more than six errors on my account, including but not limited to : Incorrect Account Number Misreported High Credit Erroneous Credit Limit Inaccurate Payment Status Incorrect Last Reported Date Inaccurate Date of Last Activity Misrepresented Date of Last Payment These errors are not only misleading but also damaging to my creditworthiness and overall financial standing. Furthermore, the presence of such inaccuracies is a clear violation of the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information ( 15 USC 1681a ( 3 ) ). 

I must emphasize that I have previously disputed inaccuracies with your bureau back in XX/XX/2024, indicating a troubling pattern of negligence in ensuring the accuracy of the information you report. It is disheartening to find that despite my previous attempts to rectify errors, they persist on my credit report. 

As a consumer, I demand that these erroneous items be promptly removed AND DELETED from my credit report in accordance with the FCRA. I expect your agency to conduct a thorough investigation into these discrepancies and take immediate action to remove the inaccuracies. 

In addition to the FCRA violations cited above, I remind your agency of its obligations under other applicable consumer protection laws, including but not limited to : The Consumer Financial Protection Act ( CFPA ) Failure to address these violations and take appropriate action may result in further legal action being pursued against your agency.

Please provide me with written confirmation of the actions taken to permanently remove and delete these accounts.

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to rectify these violations and restore the accuracy of my credit report.