23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a notification, that the amazon store card was closed. No documentation was sent.

The account was closed without proper justification or notification, resulting in unwarranted damage to my credit profile. This action appears to contravene the following regulations : Fair Credit Reporting Act ( FCRA ), Section 602 ( a ), 15 USC 1681 : This section mandates consumer reporting agencies to act with fairness, impartiality, and respect for consumer privacy. The closure of my account without proper cause undermines these principles.

15 USC 1681, Section 604 ( a ) ( 2 ) : This provision requires that consumer reports be furnished only with the consumer 's written consent or under specific conditions. The closure and subsequent reporting of this account breach this requirement.

15 USC 6802 ( b ) ( c ) : Obligates financial institutions to clearly inform consumers of their rights regarding nondisclosure options. The closure of my account was executed without providing any such disclosures.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) : Prohibits providing information believed to be inaccurate. Reporting the closure of an account that was in good standing is misleading and violates this provision. 

ECOA ( Equal Credit Opportunity Act ) : Under this act, creditors are required to provide explanations for adverse actions on credit accounts. The closure of my account without proper notification or explanation violates these obligations. 

In light of these violations, I request the following actions be taken immediately : A detailed explanation of the reasons for my account 's closure. 
Rectification of any adverse information reported to credit bureaus regarding this closure. 

A notarized statement attesting to compliance with all relevant statutes concerning my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX have all investigated, contact, and decided that XXXX XXXX XXXX is reporting legally to my credit report but when a complaint was made to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX about XXXX XXXX XXXX illegally reporting an account on my credit report, neither bureaus were able to obtain a response from XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have made false investigations and continue to allow this legal account be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. 

======================================================================================================== Account Name : XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 ==================================================================================================== Account Name : XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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 ===================================================================================================== Account Name : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 ======================================================================================================= XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions ==================================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act, 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 an account without my written instructions =============================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions ===========================================================================================
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX the accounts are having a negative effect on my credit report. Equifax refuse to investigage these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over several police reports with Equifax and XXXX. I have also showed them my correct name. They have several fraudulent accounts with different names along with my correct name. Which is causing me to have several unknown accounts under me.
Product: Money transfer, virtual currency, or money service

Hi, I've contacted Ally XXXX times and requested them to submit a reimbursement request to XXXX for the following below. Ally has noted that I need to contact XXXX directly. I contacted XXXX directly multiple times and they told me I have to go through Ally since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. 


On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX  account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. XXXX portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX at XXXX XXXX XXXX including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND EQUIFAX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY HIPPA RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. XXXX XXXX AND XXXX HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND EQUIFAX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.
Product: Bank account or service

On  XXXX / XXXX /   2013 s omeone I do not know did a mobile deposit in the amount of {$2700.00}.   On  XXXX / XXXX /   2013 so meone sent that money via  XXXX   XXXX  to a unknown person. The bank did not wait for the check to clear and when it bounced I was told I was liable. The signature on the check is clearly not mine. My computer was hacked and my banking information was compromised.   For 4 years I have not been able to secure a checking account other than an internet bank.   I have a copy of the check and signature as proof it was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 these items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account..XXXX reported to the credit bureaus an outstanding bill after service was cancelled. I made numerous complaints to XXXX for poor to no service. XXXX broke our contract because it could not provide consistent serviceyet it tries to charge me and negatively reports me to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete 609 FRCA and 611. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Vehicle loan or lease

I pulled my credit report and to my amazement, saw that you report this account with multiple lates, charged off etc I also have no knowledge of this account. I disputed this information with XXXX over and over again and the results of the investigation came back " verified ''. Not only am I late on any of my bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with XXXX, and you obviously " verified '' with them, I am very curious as to what kinds of " records '' you may have for this alleged account. Please provide ALL information in regards to this account. This account shows that is a joint account with who? Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX from a XXXX dealership in XX/XX/XXXX. During the process of signing the paperwork, I was told the selling price would be XXXX but after getting home and looking over the paperwork with the finance company I seen the price total with Credit Acceptance is XXXX. I had to put a down payment of XXXX in order to get the vehicle. The problem I am having is the finance charge is 20.99 % totaling XXXX making the total payments owed minus the down payment is XXXX. I inquired with the loan company and was told on numerous occasions that my credit was not good, but I assumed that was why I paid the higher down payment. This is not the first time I have financed vehicles and now the vehicle is out of warranty where the radio is not covered, and my panoramic sunroof is not secure and the driver 's side door was like someone tried to break into the vehicle. The windshield had a small chip on very end of the windshield which over a few months has spreaded across the windshield with record heat days the last few months. The salesman at that time told me it was covered under warranty, and I could bring it in, and they would repair these problems. I have yet to get any of this fixed as well as get an explanation of why I am being charged an additional XXXX to the amount the vehicle was sold for XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cashapp 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we received a response from Bank of America ( " BoA '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and BoA responded that this is a duplicate inquiry. However, this is a new complaint. BoA confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and BoA continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
Product: Credit card or prepaid card

I was notified by XXXX XXXX that there was fraud warning on XX/XX/22. I called the same day waited XXXX min on the line, but could not reach customer service. There was no e-mail or any way to reach them, except phone. On XX/XX/22, I spent XXXX hours and did not reach anyone. Today, I spent XXXX min and still unable to resolve the matter. Credit card, upon which I rely for many purchases is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an American Express XXXX XXXX XXXX XXXX for my very small business. I received a denial after providing them my bank information. They claimed 1. That I had a recent returned returned check.

2. I do not pay my credit card balances. 

I contacted American Express and I was told to reach out to XXXX where they get their information. XXXX stated and confirmed I do pay my credit cards on time and I am not late. I have XXXX consumer cards with American Express and I have never defaulted or made a late payment. I then asked XXXX who is writing bad checks in my name? American Express told me I had returned checks. They stated that they have no bad checks on my credit report. American Express wrongly denied me of a credit card based on inaccurate information. I need this to be resolved so they stop denying me of credit. I can only imagine who else this is happening to.
Product: Mortgage

I lost my job and have been in financial ruin every since. My bank advised that Im eligible for a Short Sale option. I submitted my loss mitigation packet XX/XX/2015 and have experienced nothing but delays, lack of communication, mistakes and hassel with this bank. My intention is to avoid forclosure, but this bank and the behavior of its staff will almost guarantee the loss of my home because of staff incompetence, mistakes, and all around negligence. I want someone to investigate the shady practices of this bank/servicer and get to the bottom of my concern. This company is a sham.
Product: Mortgage

I inherited the property from my brother and the title was transferred/closed in my name. The mortgage payments were {$450.00} per month XXXX XXXX. The taxes, insurance, mortgage was in my name. I paid the mortgage without a problem. The loan was transferred to SPS servicing in my name and I continued making payments. I received a notice that my payments would be increased to {$1300.00} XX/XX/XXXX for increased property taxes. I attempted to work with SPS to resolve this issue and was told I could modify the loan. I begin the modification process, ( paid {$1300.00} XX/XX/XXXX last payment ). Suddenly in the middle of the process SPS refused to communicate with me stating I did not have own the property. All my telephone calls, emails, and a complaint letter went unanswered for months. I hired an attorneyXX/XX/XXXX and SPS would not return his calls. My ownership was never challenged with XXXX XXXX or SPS until I attempted to modify my loan. Meanwhile SPS started foreclosing. My complaint is SPS purposely refused any communication with me from XX/XX/XXXX to now to purposely foreclose on my property. I am a disabled senior living in the property. I need help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a credit card online for XXXX XXXX XXXX, with XXXX XXXX XXXX and I was denied by XXXX. XXXX. They stated My credit score as of XX/XX/XXXX was XXXX. I know for a fact what my scores are otherwise I would not have applied. I never heard of this company. They have a P.O.Box Address In XXXX XXXX, Ca. I am wondering if this consumer agency is legitimate? 


There address : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
Product: Debt collection

The account with XXXX XXXX has numerous fraudulent charges made to it from XXXX XXXX Bank.
Product: Checking or savings account

on XX/XX/2018 i paid XXXX XXXX {$170.00} on XX/XX/XXXX I received a letter from usaa federal savings bank saying that they have submitted my dispute. 
i contacted them and told them i never disputed the charge they assured me that the dispute was cancelled on XXXX XX/XX/2018 the merchant called me and told me they received a letter stating i am currently disputing the charge. 
i contacted usaa and they said they would cancel it again