23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX, Equifax and XXXX is reporting a Closed XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX  Account # XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a complain to different gov agencies but Iwas hoping to receive help from CFPB because citibank send my money to XXXX XXXX  XXXX and XXXX on XXXX I have called citibank and someone named grace confirm that i have sent to XXXX XXXX XXXX XXXXXXXX XXXX and this account still active with them. Why they do not compliance with regulations. I know they should have frozen their funs and investigate. As customer I was told no rights and they protect scammers information. Court subpoene cost per hour distance Why citibank said they did wire to XXXX XXXXXXXX XXXX XXXXXXXX XXXX and on the letter of XX/XX/XXXX, mention this XXXX XXXXXXXX and XXXX. Who order to paid them I did not Appreciated if you could help I do not know this bank and where ( conuntry and city )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Accounts in Line with XXXX Deletions Dear Equifax Dispute Department, I am writing to dispute the reporting of the following accounts on my Equifax credit report. These accounts were recently deleted by XXXX after verifying inaccuracies during their investigation. I request that Equifax conduct a similar investigation and remove these accounts from my report promptly. 

Accounts to Be Removed 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 Reason for Dispute The above accounts contain inaccurate and unverifiable information. XXXX deleted these accounts after determining the information could not be verified. As required under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), credit reporting agencies must ensure the accuracy of all information on consumer reports. 

Requested Actions 1. Reinvestigate the listed accounts for accuracy.

2. Delete the accounts from my credit report if the information can not be verified. 

Supporting Documentation 1. A copy of XXXX confirmation of deletions. 
2. My updated identification documents, per your request : Drivers License ( with different address ).

Social Security Card. 
Paystub with my current address ( matching your records ). 


Your Responsibility Under FCRA 1681i ( a ), Equifax is required to reinvestigate my dispute and resolve the matter within 30 days. If the accounts can not be verified, they must be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice from Afni asking me to pay a specific amount of XXXX to settle a debt on a 'discount '. Although I was laid off, in an attempt to stope them from sending more letter to my neighbor I sent a check for exactly XXXX by the date they asked. Now I 'm being asked for over {$100.00} more which was never disclosed to me in writing. I attempted to settle the debt on their terms and they are not honoring it. Now I 'm receiving more letters asking me for more money under the same pretense of settling my debt at a 'discount '. I 'm trying to do the right thing by paying what I thought would settle this debt. I am unemployed and I need every penny I have. I do not appreciate them asking for more and more money than they asked for in the first place. They are also sending mail to my neighbor who has been upset with me.
Product: Debt collection

XXXX XXXX contact number provided was XXXX from URS Solutions has been harrasing me with calls, threatening to garnish wages, take me to court. He called my place of employment 4 times after i asked him not to call my employer since i can not take personal calls. He failed to provide me a validation letter and bully me to provide payment information right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern, Capital one failed to report payment Ive made to both of my account. My capital one card XXXX and XXXX credit card XXXX. 
They have reported no payment to the credit bureau. to XXXX, which resolve of my credit score decreased. 
I need clarification why are they reporting inaccurate information to the credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 using my Bank of America checking account I placed an order worth of {$17000.00} on XXXX  Website. 
XXXX has lost the package and paid XXXX for the claim and XXXX is neither refunding nor shipping my order. And XXXX is telling me that they dont want to talk to me anymore. 

I asked bank to reverse the payment and they said they cant. 

My money has been lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to TransUnion. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with the credit bureaus, Experian, XX/XX/XXXX, and XX/XX/XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Product: Debt collection

Subject : Notice of Trespass and Demand of Cease and Desist Dear Sir/Madam, I write to you on behalf of Anthony-Deshawn : XXXX XXXX XXXX XXXX XXXX XXXX. It has come to our attention that your firm 's actions have resulted in an intrusion on the trust property associated with the aforementioned entities. These actions are perceived as a violation of several United States codes, resulting in harm to XXXX XXXX XXXX. 

We hereby demand that your organization immediately cease and desist all such activities that infringe upon the rights and property of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to comply with this demand will be seen as an acceptance of the terms and conditions as well as the fee schedules associated with both entities. This acceptance will be binding and may result in the imposition of fees and penalties as outlined in these terms and conditions.

Please understand that this letter is not exhaustive of our client 's rights, remedies, claims, defenses, or assertions, all of which are expressly reserved. We expect your immediate attention to this serious matter. 

We trust you will take this matter seriously. Please confirm receipt of this notice and your commitment to cease all trespassing activities as soon as possible. 

Yours sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ]
Product: Debt collection

this was a XXXX XXXX XXXX credit card opened XXXX/XXXX/XXXX which I defaulted on due to becoming XXXX XX/XX/XXXX and was charged off by XXXX XXXX XXXX XX/XX/XXXX. After other debt collecters the company by the name of Cavalry, XXXX XXXX XXXX, XXXX, XXXX XXXX purchased it XXXX/XXXX/XXXX. They called my cell, sent me collection demands over the year. which I can not pay. Now with the Attorney office of XXXX, XXXX, XXXX, XXXX. they are harssing me calls, letters, and a Civil Suit in XXXX Couny, XXXX. They have paper servers at my door which I requested for them to have the Sheriff serve me and go away. And I need assistance from your office to help me get this harassment done. I 'm willing to face them in court to resolve the suit. Which I feel is a charged off XXXX XXXX XXXX debt from XXXX when I lost my home in XXXX and all my credit. I 'm living on social security and a small pension and just get by month to month.
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 violates 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 for these violations.
Product: Mortgage

ON XXXX OF 2018, I WENT TO AN ORIENTATION CLASS FROM NACA AFTER THAT I TRIED TO SPEAK TO XXXX XXXX THE DIRECTOR SHE WAS THE ONE THAT GAVE THE ORIENTATION, I TRIED TO EXPLAIN TO HER TO GIVE ME AN APPOINTMENT QUICKLY BECAUSE I WAS ON AN ABUSIVE RELATIONSHIP AND I NEEDED TO MOVE VERY QUICKLY? SHE THEN PROCEED TO GIVING ME HER CARD, TOLD ME TO CALL HER ON MONDAY I SAW HER ON A SATURDAY. WHEN I CALLED MONDAY THEY HAD ME BACK AND FORTH WITH MRS XXXX IS NOT HERE TODAY? I KEPT CALLING FOR A WHOLE WEEK, MANAGE TO SPEAK TO HER AND EXPLAINED TO HER MY SITUATION. SHE GAVE ME THE APPOINTMENT FOR XX/XX/2018. I WENT TO HER FOR THE FIRST VISIT THEY ASKED ME FOR BANK STATEMENTS ALL OF MY CREDIT CARDS STATEMENTS MIND YOU I HAVE 12 CREDIT CARDS, MY BILLS AND RENT VERIFICATION FROM MY LANDLORD, SECTION 8 VERIFICATION TOOK MY SECTION 8 VOUCHER. MY DIRECTOR FROM  SECTION 8 SPOKE TO THEM BECAUSE I HAD COMPLAINT TO THEM HOW THEY KEEP CHARGING ME A FEE TO BECOME A MEMBER I PAID THEM XXXX. WITH CHANGE FOR MY CREDIT REPORT AND THEIR FEE I DON'T QUITE REMENBER HOW MUCH BUT THEY CALL IT YEARLY WHEN I AM BEING CHARGED EVERY 6 MONTHS CAUSE I RECALL PAYING THEM LIKE 5 TIMES ALREADY. AFTER MEETING MY HUSBAND SHE AUTOMATICALLY SHOVED MY PAPERWORK TO A MR. XXXX XXXX. THAT'S THE PERSON THAT'S MESSING UP EVERYTHING FOR US.
Product: Money transfer, virtual currency, or money service

I am a Gemini Earn customer. I possess funds in Gemini Trust Company , LLC, that I put into Gemini Trusts Gemini Earn program. These funds consist of {$130000.00} XXXX and XXXX XXXX. I attempted to redeem my callable loan of these funds on XX/XX/2022, and received a message that my funds would be transferred to my XXXX account on or before XX/XX/2022. I have still not received these funds -- the transaction has remained indefinitely " Pending. '' On XX/XX/2022, I used the Customer Support portal to direct Gemini to terminate my loan to any Borrower parties, pursuant to the terms of the Gemini Earn Program Terms and Authorization Agreement, which states in Section XXXX ( Making Loans to Borrowers ) that I have the right to direct [ Gemini ] to initiate action to terminate any Loan made under this Authorization Agreement in accordance with the terms of the Loan Agreement. 

Furthermore, the Master Loan Agreement states the following in Section XXIII ( Term and Termination ) the following : This Agreement may be terminated by any Party by providing thirty days written notice to the other Parties. In the event of a termination of this Agreement, any Loaned Assets shall be redelivered immediately and any fees owed shall be payable immediately. This Master Loan Agreement has since been deleted from Geminis website. 

On XX/XX/2022, I received a response to my demand for loan termination, saying that there was no further information and that I should await updates. To be clear, I was exercising my contractual right to terminate my loanI was not seeking further information. I messaged Gemini Support again later that evening of XX/XX/2022, to clarify that Gemini had not substantively addressed my request. 

On XX/XX/2022, I again directed Gemini Support to terminate my loan, again using Geminis online portal. I have thus far received no response to this message, but I received a reply to my second message from XX/XX/XXXX, stating that Gemini Support was working on my request and would follow up laterGemini Support gave no timetable for when it would effectuate my request. 

In summary, I have exercised a right delineated in my user contracts to terminate a callable loan, and not only has this request not be fulfilled within the promised timeline ( XXXX week ), but my demands for loan termination have essentially been ignored, which is unacceptable conduct from a party ( Gemini ) that holds itself publicly and contractually as the Agent for the Lender ( me ). 

Thank you for your time and prompt attention to this pressing matter.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.
Product: Credit reporting or other personal consumer reports

My account with Transunion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX I received a delinquent tax payment notice for second half taxes. I called the Assessor who told me they received only partial payment from Freedom Mortgage instead of both payments that were due. They paid the {$140.00} but failed to pay the {$760.00} that was also due. I immediately called Freedom Mortgage the same day at XXXXXXXX XXXX and spoke with XXXX who claimed they did not receive the second notice. I asked why they did not make a tax run with the Assessor and they could not provide an adequate answer. They had over XXXX XXXX XXXX  in the escrow/impound account which enabled them to pay the taxes. I asked that they immediately pay, including the penalty, which was not of my making. XXXX stated she would put in a ticket to do the research and asked that I send the backup paperwork. I send this via overnite with the USPS, they received all the back up paperwork on Tuesday, XX/XX/XXXX. Today, I received an email from Freedom Mortgage stating they had not only NOT paid the taxes but issued a refund and sent it to an incorrect address. When I asked them why ( I had two supervisors on the phone, a woman named XXXX and another named XXXX ), my mortgage statements come to the correct address but the refund goes to a wrong address they could not give me an answer. I want them to reimburse me for the penalty in the amount of {$89.00} and to immediately close the impound account. I have overnited this request to them today, XX/XX/XXXXXXXX They lost my initial payments which caused undue stress in the beginning of this loan and took weeks to resolve. They are unwilling to correctly manage my impound/escrow account and I want it closed.
Product: Credit card or prepaid card

I paid a retainer to a law firm on XX/XX/XXXX after having a XXXX call with several representatives of this law firm that said that they could offer legal representation on my family law court case filed in XXXX. After payment of the retainer fee I realized after talking and texting to representatives of this law firm that I was mislead to the services that I would be receiving and purpose of engagement could not be fulfilled and the issue was not addressed that I already had another attorney that they did not contact as they said they would. 
I used four different credit cards to pay this retainer. I filed a dispute with the four different credit cards. One credit card I used was an XXXX XXXX XXXX card and the dispute was final with a provisional credit issued to my account. When I filed the dispute claim they said it was good that I paid with a credit card. 
I have been speaking with several of your representatives over the course of the last few months. I have sent in documentation as requested which was really just my pleas to possibly get this law firm exposed as a scam. 
I have found out that your dispute investigator works outside Citi so they can be unbiased. I'm not sure that my billing rights have been upheld in this dispute process since it is with a law firm. Do you even have a process for a law fee paid by credit card? 
When I spoke with billing dispute representative one time they said they hadn't reviewed the documentation I had sent in yet. One representative said often customers have said they didn't even think that dispute had read any documents from customer only contacted merchant. 
I asked for an invoice from the law firm that is supposed to be provided if there is a service rendered and then deducted from the retainer fee but that can not be provided because there were no legal services provided. 
My account has always been paid on time and with full balance paid each month but now I have a balance of just the disputed amounts and additional fees.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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 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.