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 validate consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and to address fraud on their platform! This left 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 has cause significant inconvenience and financial loss, and i seek appropriate redress for these violations!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Pro

tection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Someone has opened a paypal credit with a {$1000.00} credit limit in my maiden name and old address ( before new XXXX address same place though ). I recieved a letter from paypal credit the date on the paper is XX/XX/2020. Someone has tried to do this several times and been declined and now have succeeded. It looks to go through synchrony bank, I've been trying to contact them and can not answer all the computerized questions to get to a real person because I didnt open this account!
Product: Credit card or prepaid card

XX/XX/XXXX Purchased travel. Deposit paid using Chase, amount : XXXX. 
Travel was to take place XX/XX/XXXX. Disrupted due to Covid lockdowns. 
I agreed with the seller ( XXXX and XXXX XXXX ) to postpone to XX/XX/XXXX. 
XX/XX/XXXX Covid lockdowns, could not travel. I agreed to postpone to XX/XX/XXXX. 
Covid do not travel alert ( level 4 ) from State Department. 
I tried to get a refund form XXXX and XXXX was denied. 

XX/XX/XXXX I sent an email to Chase regarding a chargeback. This email was processed as a chargeback without allowing me to provide any details. I called Chase they could not allow me to speak with anyone regarding the complaint. Reason provided : back end. A few weeks later I received a letter stating my complaint was denied due to the charge being over 2 years old. I sent a letter explaining the situation and to reopen the case. Received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Over the last few years I have contacted Capital One regarding 2 credit card I have with them that carry an annual fee. When I initially opened the cards I was working on improving my credit score and had no other options. It has been quite some time since then and I have continually asked my accounts be reviewed and the annual fee removed since they offer these cards with no fees. Each year I have to fight with them to remove the fee, yet they conveniently forget to remove the annual fee, so each year I am charged for it. This is honestly ridiculous. I have kept the accounts open since they have my longest credit history and closing them would ruin my average age. I would appreciate a serious inquiry into this as I should not have to keep calling every year to have the fees removed.
Product: Credit card or prepaid card

Chase unfairly close my credit card ( chase freedom ). 
XX/XX/2019 I received the first chase credit card three days ago, and I only paid once. then I found this card can not be used anymore, it's closed only 3 days after activated. 

I think it's too rude and bad to do so. I'm in good credit and have the ability to pay. 

I'm confused what they are doing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXXXXXX XXXX DATE XXXX BALANCE : XXXX I NOTICED THIS PROBLEM.. 

IN ACCORDANCE WITH CONSUMER PROTECTION LAWS, I REQUESTED THAT THESE NOTED ITEMS BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX - XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX  XXXX XXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/XXXX/2022
Product: Checking or savings account

Wells Fargo charge me NSF fees upon additional NSF fees that caused my account to be negative in the upper {$100.00} bracket this causing my future paychecks AKA direct deposit from my employment to be less than I expected thus causing my bank account to have less money in it for me to pay my bills therefore causing utilities to be shut off and making it harder for me to make my payments via my bank account I called numerous times I don't remember the dates and feel I shouldn't have to put down the dates anyway you can figure it out once you go through Wells Fargo anyway they paid back small amount of my NSF 's but only would pay a portion which didn't even include Half of the amount owed to me please fix this for me in advance I thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

I would like assistance with disputing a charge on my account for {$1500.00}. It was paid to Amex Everyday Credit Card on XX/XX/18. In total they charged me {$1500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Product: Credit card or prepaid card

My bank, BOA, filed a dispute with my healthcare provider unbeknownst to me until I received a letter, all I wanted to do was STOP an auto payment for XXXX XXXX XXXX after they told me they do not provide healthcare to the new state I moved to. XXXX told me I to call my bank to do so. 
So BOA had put the amount of my premium, {$790.00} back into my account on XX/XX/2022, then when I called to say I didnt file a dispute they took it back out, on XX/XX/2022. 
Then on XX/XX/XXXX, BOA took out another {$790.00} for I dont know what? When I called they gave me the run around until I spoke with someone who agreed with me and said it should be back in my account with 48 hours, so a week later STILL nothing, and as of today XX/XX/XXXX, they transferred me around again and have kept me on hold for 45 minutes until they dropped the call, to say Im infuriated is an understatement! Plus XXXX STILL owes me my overpayment of {$790.00} for XXXX, which they said could take till XXXX to fix, WHY??????
Product: Student loan

I submitted a payment for my student loans to Nelnet. Received confirmation my payment went through and the money was also gone from my bank account a couple of days later. 

I checked my Nelnet account a month later only to see my payment was kicked back to my bank account with no notification. During that time over {$140.00} interest was accumulated. I called to see why this was the case and all they said it was some error with my saved payments on their end. They refused to waive the interest accumulated from my initial payment that was kicked back due to their own error.
Product: Checking or savings account

Hunting Bank took {$1000.00} from me on XX/XX/XXXX, and have no explanation at to what happened. They have made no effort to rectify the situation, and effectively have taken {$1000.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


AM XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Transunion reported bankruptcy on my consumer report without my written Permission which violated 15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
Product: Debt collection

I have a very small amount owed due to an overlooked bill for an ER visit in 2018. The balance was turned over to Ability Recovery unfortunately and I immediately responded in 2018 and changed my payments to go to directly to them ( Ability ). I send them something monthly but they will not stop calling me. I make a payment. I am down to only around {$60.00} and I'm set up to pay them {$10.00} a mth. I do not understand why they do the automatic aka rebo calling to my phone almost daily. I need it to stop. I always pay my debts. Always.
Product: Credit reporting or other personal consumer reports

This communication also serves as a formal demand to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as mandated by the Fair Credit Reporting Act ( FCRA ), 12 CFR 1016.7, and 15 U.S. Code 6802. 

Violation Notification : It has come to my attention that XXXX has been reporting information related to the aforementioned accounts on my consumer report without proper verification or my consent. This blatant disregard for my privacy rights and the accuracy obligations outlined in the FCRA and relevant federal privacy regulations is unacceptable and requires immediate attention. 

Opt-Out Request : I hereby exercise my legal right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties, including any information inaccurately or unlawfully reported by XXXX. 

Required Actions : 1. Cease Disclosure Immediately : I demand the immediate cessation of all disclosure of my nonpublic personal information to nonaffiliated third parties. 
2. Correct Reported Information : I insist on a thorough review and correction of any inaccuracies in the reported information linked to my consumer report. 
XXXX. Confirmation of Actions Taken : I expect a written confirmation detailing the corrective measures implemented by XXXX to rectify the reported inaccuracies and confirm compliance with my opt-out request. 

This letter constitutes a formal complaint, and I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights if necessary. 

I anticipate your prompt response within 30 days of receipt of this letter, providing detailed information on the corrective actions taken by XXXX to address these violations.
Product: Credit reporting or other personal consumer reports

Failure to Address Dispute : Despite submitting documentation and providing clear evidence to support my dispute, Equifax has failed to correct the error or provide a timely response. This has had a significant impact on my credit score and ability to access credit. 
Steps Taken to Resolve the Issue : I have attempted to resolve this issue directly with Equifax by submitting a dispute online and calling customer service. Unfortunately, these efforts have been unsuccessful, and the problem remains unresolved. I have also provided the necessary supporting documentation to prove the error, but it seems Equifax has not acted on this. 

Impact of the Issue : As a result of Equifaxs failure to accurately report my credit information or address my dispute in a timely manner, I have faced a lower credit score resulting in difficulty purchasing a car. This situation has caused me undue stress and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO TRANSUNION FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO TRANSUNION. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX TRANSUNION HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO TRANSUNION AS WELL. If TRANSUNION OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.