23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00}
Product: Money transfer, virtual currency, or money service

I am filling complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to these violations.
Product: Vehicle loan or lease

XX/XX/XXXX 


Dear Ford Credit Motors, Based on your letter received, dated XX/XX/XXXX. I hereby agree to the resolution reached and request to utilize the requested opportunity. 

I hereby request and direct Ford Credit to remove all negative notification on my credit report including the word dispute and unverifiable late payments indication. 

This letter serves as a formal writing as indicated on the letter. 

Sincerely, XXXX XXXX
Product: Mortgage

Received Surplus amount of XXXX, XXXX on XX/XX/21. 
Called MT & T Bank after receiving the surplus check, would have been around mid XXXX. Questioned why I received such a large amount and wanted to make sure everything was paid. 
Was told during this conversation that everything was paid, account was good, and to enjoy the surplus. 
Received property tax delinquent notice on XX/XX/21. Called MT & T Bank again. On the phone 1hr 11 mins Confirmed they did not pay property taxes. MT & T Bank said it was because they looked online and our account is blocked so it was XXXX XXXX Was also told by MT & T bank that I was 100 % tax exempt. Obviously, this is not correct since I received deliquent property tax notice XXXX, Property Tax Supervisor, said I would not pay any late fees accrued and they would expedite this matter since XX/XX/XXXX there were more late fees. 
XXXX, Escrow Supervisor, said Escrow Analysis would be redone after taxes are paid. 
Called XXXX Asked to speak to supervisor because now I can not register my sons vehicle since we are delinquent on our property taxes. On phone 47 minutes Was told there was not a supervisor available and that they tried to call tax office but tax office would not give them information since the account is confidential. Told customer service this was not acceptable and that I wanted to speak to a supervisor. 
Transferred to XXXX, Property Tax Supervisor, she called Kaufman County Tax Office to get payment. XXXX at tax office provided amount for delinquent notice. 
XXXX said she would expedite payment to call back in 5 days for escrow analysis. 
Was told to either provide a bill from now on or unlock are tax account. 
Are account is locked due to husband being in law enforcement. 
XXXX also stated she could not guarantee I would not pay late fees. 
MT & T Bank has been dismissive of my concerns. Not helpful is resolving issues, blaming me and tax office for taxes not being paid. If not for me following up the taxes would still not be paid.. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance.
Product: Debt collection

I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with de Fair Credit Reporting act XXXX accounts, has violated my rights. : 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 







15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit pass complaint to Equifax and XXXX measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous report.
Product: Debt collection

Couch ConVille Blitt is trying to collect and sue me for and old debt for their client XXXX XXXX XXXX XXXX XXXX. I believe this debt is past the statute of limitations and is uncollectible.
Product: Consumer Loan

We are XXXX and do not have a loan with Wells Fargo Dealer Services but they have repeatedly called us ( for years ) and as recently as today. This is very upsetting to us and we do not want to be harassed. These calls apparently pertain to our adult son who has not lived with us for decades and we have no information to provide - which we have explained to the many callers in the past together with asking that they do not call us. The phone call today was made to our home on XXXX ( In the past I have also received calls on my cell XXXX XXXX XXXX ) from somebody stating her name was " XXXX at Wells Fargo Dealer Services '' XXXX ( caller ID number ) with a message to call back XXXX for No. XXXX. The telephone call came in at XXXX. In the past we have received calls from persons representing that they are from Wells Fargo Dealer Services from other numbers including XXXX. These agents not only ignore our request not to telephone us but in 2014 an agent from the XXXX number provided me details on the subject account history over the phone that included the amount of arrears, collection efforts and assertions that my son was a criminal. I have subsequently learned this was illegal. We are tired of these calls and are filing this complaint to documents them as well as demand that we stop being harassed.
Product: Credit card or prepaid card

I made a payment on my credit limit and I also have fraud charges that I was disputing and they closed my account against my will
Product: Credit card or prepaid card

I tried to dispute charges on my CHASE BANK CARDS with the following companies XXXX XXXX XXXX AND XXXX XXXX. I paid these companies a combined total of {$6800.00} ALONE on my XXXX XXXX XXXXXXXX Cards. 

I paid these ( 2 ) companies a combined amount of over {$26000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to build a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these fraudulent companies who falsely claimed and led me to believe that I would achieve substantial earnings by signing up with them. 

XXXX XXXX guaranteed 600,000 Visitors & preload ; charge for this {$10000.00} XXXX XXXX. XXXX. - Corporate Level Platform and Marketing ; charge for this {$16000.00} All this was to create exposure, guaranteed traffic thus generating greater sales. In total I have paid them thousands of dollars and not made a single dime. All I have is nothing but a worthless non- functioning web site and severe credit card debt. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
Product: Credit card or prepaid card

American Express has already received an identity theft report from me concerning this fraudulent credit card that was opened in my name, and the representatives have been very rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recievables has been reported on my credit report which I am unaware of who they are.I worked with XXXX XXXX to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. As a victim of identity theft, I have been forced to endure significant hardships, both financially and emotionally, due to the actions of my ex-wife, who maliciously stole my identity and used it to open unauthorized accounts, make fraudulent transactions, and tarnish my credit history. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I request the deletion of the accounts : 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

In accordance to the fair credit reporting Act XXXX Account # XXXX has violated my rights. 

15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates.

15 USC 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, 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.
Product: Credit card or prepaid card

I checked back on my account payments, because I thought there was some discrepancy. So I found out they double billed me for {$83.00} once on XX/XX/2022 and again on XX/XX/XXXX, so I called XXXX and the agent agreed there was a double payment so he said they will pay back {$83.00} to my checking account with-in 20 days. I thought I should receive it in a week.
Product: Credit card or prepaid card

On XX/XX/XXXX, three debit visa gift cards were purchased a local supermarket on a credit card amounting to {$700.00}. The website provided on their cards does not work to register them. On XX/XX/XXXX one of the cards were used and the merchant declined it. I called the bank on the back of the card and was told there was fraud on the card and I provided my contact information and was told a replacement would be received in 7-10 business days. I never received the card. I went back to the supermarket and the manager gave me another number to call to their corporate department and they took down the information and gave me another number to call. I proceeded to call them and they indicated the first card should work and the other two cards had fraud on them and they want to replace them. I told the bank that I wanted my money back as I don't want to run into the same situation again with the cards not working and not being able to register them online to check balances. They have refused.
Product: Credit card or prepaid card

I canceled a service that required a {$4200.00} deposit for bathroom remodel. It was canceled within the cancelation period as stated in the contract and the merchant told me via text that I have a copy of that he has a 100 % refund policy. Merchant refuses to issue refund and told capital one that charges are valid and capital one sided with merchant. Attached are all supporting documentation. capital one credit card is not resolving issue.
Product: Credit reporting

I received XXXX hard inquiries on my credit report ( Eqiufax ) dated XX/XX/XXXX & XX/XX/XXXX. I disputed these inquiries with Equifax and they were not removed. I have received letters from XXXX/XXXX stating they have sent in requests for these inquiries to be removed as I did not authorize these. Equifax has yet t remove these inquiries from my report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 DEPT OF ED XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX part of my background check is incomplete. 

The XXXX was dropped to XXXX XXXX and then the XXXX was dropped completely. 

The XXXX XXXX was unfounded, I completed the process they requested of me, so I do not have any XXXX XXXX  on my record. 

I had no problem renewing my US Passport due to no XXXX on my record. 

These two incidents were a matter of being in the wrong place at the wrong time and I should not be punished for this. I am simply trying to get a simple job and I have a college education. Please assist me with this.
Product: Credit reporting or other personal consumer reports

There is several inquiries unauthorized, that I never applied for this was between XXXX. I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days. I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Creditor : XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a XXXX XXXX XXXX XXXX and I am no longer responsible for the account. Debt collection agent has threatened me to pay and without my knowledge of legal rights Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mine. The collector has not shown any proof of balance, nor have they shown any real evidence that that this account is indeed my account. According to the XXXX XXXX XXXXXXXX and the ALDOUS AND ASSOCIATES has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I disputed more than five times XXXX XXXX and XXXX XXXX  I stated Im a victim of the XXXX XXXX breach my personal information was compromised I sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on credit report.
Product: Credit card or prepaid card

I have had an issue with my credit score and getting a SBA loan after American Express randomly pulled almost {$30000.00} of my credit limit - this dropped my score over 130pts. For background, I have never missed a payment on any card that I own and I had been a card member with Amex since XXXX. I had a {$16000.00} credit limit until around XX/XX/XXXX, and around that time I requested a limit increase and they moved it up to almost {$32000.00}, then by XXXX of this year they dropped my limit to {$1900.00} without warning or explanation. This is only a couple months after I quit my job to start my own company, and I had just purchased a house back in XX/XX/XXXX ( with an XXXX credit score pulled by the lender ), so really was a terrible time to have a credit score drop without explanation. 

I called American Express numerous times and at first they told me my credit limit was moved to {$1900.00} in XX/XX/XXXX - I said that is not true, I have statements that show otherwise ( I print them every month and have all PDFs saved since I opened the card in XXXX ). Anyway, they ended up telling me I had to send my financial documents to them. I sent them some, enough to prove I can cover the entire credit limit, and they never responded. When I reached out to them again, they told me that they made a " business decision '' and would not increase my credit limit. Next month, my score dropped 138pts. 

I filed a complaint with the XXXX, but the XXXX  closed my complaint because American Express responded " We mailed the customer our response to this complaint '' and I had 7 days to reply to the message -- I still haven't received a response ( ~1-2 months past doing that now ) and the XXXX  contact for my case will not return my calls. 

I am hoping we can find some way to fix this issue. I have just about drained my savings starting this business and I now have almost no way of getting any sort of financial aid despite an 800+ credit score for the 1-2 years ( until these last 7-8 months ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this Credit Reporting Agency a dispute with several accounts that were inaccurate, incomplete, and asked them to be verified and updated and got no response. The CFPB website said under the Fair Credit Reporting Act that the Credit Reporting Agencies only have 30 Days to investigate and respond to the disputes however, I have disputed these items with XXXX on more than one occasion on XX/XX/2023, XXXX, and XX/XX/2023 and they have yet to respond. How are these credit reporting agencies allowed to violate consumer rights and not comply with the Federal Law? Did the law change that credit reporting agencies no longer have to respond to disputes? It's hard enough in the current economic times to stay financially stable and then you have these credit reporting agencies allowed to report misinformation that is hurting your credit scores and your opportunity to improve your economic situation. Isn't the CFPB supposed to protect the rights of consumers and hold the credit reporting agencies in compliance? Please help me!