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

In accordance with the Fair Credit Reporting Act XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 was scammed and advised to freeze my credit, and Experian would not allow me to make the freeze.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 a 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 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 I told XXXX, Transunion, and XXXX to reinvestigate these accounts payment history and remaining balance : Account name : Account name : XXXX XXXX XXXXs, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of XXXX. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

XXXX of my federal rights are being violated by the major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, 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 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: Checking or savings account

XX/XX/2024 I woke up to my phone saying someone changed my pin number on my card and made a paycheck advance on my account. After I had gotten that notification I received another one saying {$550.00} were taken out of my bank account. I reached out to Current to dispute the charge they quickly denied the dispute. I am now left short on my bills because someone stole that money from my account.
Product: Mortgage

3 separate partial claim documents on 3 separate occasions. I have requested incorrect calculations and escrow withdrawal for lender placed hazard insurance unlawfully on multiple transactions to be corrected and refunded. Including correcting inaccurate balances to be corrected on partial claim documents. They have refused to make corrections of there mistakes. Jeopardizing Covid-19 partial claim and Haf assistance to be able to reinstate mortgage loan. Also charging me fees well I wait for corrections that never happen. In my closing of escrow documents it states that for the loan to close one year of the proper Hazard insurance be provided enabling the loan to close. Therefore my loan with Midland Mortgage would have never closed escrow if they did not have these documents to do so. Nonetheless I was charged for lender Place Hazard insurance 10 times. My hazard insurance is the same exact policy the entire duration of said loan. These fraudulent charges including fees needs to be refunded immediately. Fraudulent comes into play after repetitive withdrawals. Midland Mortgage has the closing of escrow documentation same as me. Not to mention they should know their own contract. The fact that they have refused to make Corrections of their mistakes and in turn affected my covid-19 partial claims and half funding while charging me fees will they refuse to correct their mistakes is absolutely unacceptable and the repetition of it including the refusal to fix makes it fraud with intent to defraud. Due to the multiple notice of errors sent and received my Midland Mortgage. Including live Midland Mortgage Teller Communications of the problems. That of which are documented and recorded. This also involves RESPA violation for mishandling of escrow account.
Product: Credit reporting or other personal consumer reports

I have filed a dispute regarding credit mix matching with some other person with same name to Equifax on XXXX of XXXX and had told them I had already filed for a mortgage and just because of this credit score issue my mortgage approval is pending but since last 2 week I have been calling them daily and they were just telling me it is escalated to back office and will be solved in 24-48 hours but its not been solved yet. And because of that I have to extend my condition letter 2 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX please Help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and XXXX and they corrected the problem. I am sending the same documents to Equifax so they can see the payments were made and remove the derogatory marks from my credit report. I have tried to resolve this issue 3 times with XXXX XXXX XXXX and they keep reporting false information.
Product: Checking or savings account

I open a Dave account which is an App I closed the account but they left the banking account open, so many kept being deposit in that account, I find out on XXXX XXXX  and requested the money to be reimbursed and they said they didn't have no money, I spoke to my employer and XXXX which process XXXX  real estate payments and both said the money is in that account but so far after providing proof they haven't been willing to track the money or refunding the money.
Product: Credit reporting

I attempted to get my 'free credit report ' in XXXX 2016. The attempt was successful the free part was not. I was just billed {$19.00} from Experian for credit monitoring services. I called and cancelled any service with Experian. I am amazed that the swindle by Experian was successful. I have about XXXX years of XXXX experience and was very careful not to sign up for any services, free or otherwise. Please review the process used by people to get the free credit report to analyze how 'they ' are able to fraudulent charge people for unwanted services. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX Equifax- I have and evidently continue to have major problems with the soc alled credit reporting agency- last year I placed a Security freeze implemented by XXXX on all three reporting agencies which proved useless and causing me severe financial harm. I then had the Security Freeze removed directly by Equifax staff only to have it reestablished when they were hacked as a free offer by them.! The now send me a letter explaining they can not install the freeze even though they offer it and they did not secure my personal financial and private information.
Product: Checking or savings account

I opened online Saving and CD accounts from Barclays. I was able link my XXXX XXXX XXXX with their external bank links to fund the savings and CD account. Once the external bank link is established and verified, Barclays initiated the ACH transfer for {$15000.00} in total to fund both accounts. However, they locked my online account access after the money was transferred. I called and they told me that the account is locked for pending verification with external bank linkage. And asked me to send them the most recent statements for my linked banks. I sent my bank statement from XXXX and XXXX XXXX to them. Even after I sent it, the account still remain unaccessible, I called back and was told I have to wait up to 7 business days to access my money online. 

They were able to pull my money from XXXX bank and only do this full locking after they receive the fund. They do not allow me to speak to the security department who locks my account access without any notification
Product: Debt collection

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listedi tem then I require the account to be removed from my credit & their records. 

PORTFOLIO RECOVERY ASSOCIATES XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate personal information was removed and updated, however now I am seeking statutory damages pursuant to FCRA 15 U.S.C. 1681n
Product: Credit card

My wife and I got sick during our fly from XXXX XXXX to XXXX XXXX, XXXX. 
I asked, our taxi driver, to stop by in a pharmacy, on our way from Airport to the Resort on XX/XX/XXXX. I got XXXX XXXX XXXX  ) medications totaling XXXX  ( XXXX XXXX items ( Enclosure : ActionCertified # XXXX with price tags in XXXX ) and was wrongfully charged {$1900.00}. The receipt ( Enclosure : Pop ) was in XXXX pesos and I couldn convert them in to USD because my internet service was down. The pharmacist promised me the price is going to be around {$200.00} and I will get my itemized check by email shortly. I did not had any contacts for the XXXX XXXXXXXX XXXX, so I emailed to US Bank ( Enclosure : ActionEFaxes # AA ) and faxed them forms ( # A and # B ) to XXXX from the US Bank Branch in XXXX XXXX, as they required ( Enclosure : ActionEFaxes ). I sent the certified letter ( Enclosure : ActionCertified ) after talking to XXXX and XXXX, who told me, that they need more information on my dispute # XXXX. On XX/XX/XXXX, I spoke with XXXX, who was very rude to me, saying : contact the merchant and ask them to return your money! Looks like, if you got robbed, you have to catch your robber and kindly ask him to return the money, yes?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Santander to request two late payments to be removed and was told to file a complaint or dispute instead ; Santander will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Checking or savings account

I, XXXX XXXX contacted our bank for the first time about this issue back in XXXX. ( First Bank, in XXXX XXXXXXXX XXXX ) I was originally told we hadnt opted out of the overdraft charges & fees. I then informed them I remember doing so. Then the second time I called was in XXXX and once I read the paperwork I had in hand, because I remembered signing it, they changed what the originally said and said that we did infact sign the paperwork to opt out of overdrafts, the bank manager assured me that it wouldnt happen again and that she was very sorry for the inconvenience, so the problem didnt occur at all in XXXX. Then here at the end of XXXX it started happening again, I called the bank yesterday on XX/XX/year> and spoke to a man named XXXX, I told him the issue we were having yet again & he kept telling me that the paperwork only stop certain charges, which makes no since, I told him I was going to contact yall here at the CFPB and he got noticeably upset and said yall werent going to do anything, I told him that yall would because what they are doing is illegal and they charge an overdraft fee for every single item they allow to overdraft. We have over {$400.00} in overdraft fees in the span of 4-5 months. The man then retaliated by locking our accounts so this morning when my husband went to use the card to get gas to go to work he couldnt because the online portal said we had to contact the bank to unlock our accounts. XXXX got upset by me threatening to inform yall of what the bank is doing to its customers, and he retaliated by locking us out of our account, from our hard earned money. I cant even go buy our baby her wipes and diapers this morning and so I have to miss a half day because our child needs her stuff before I take her to her baby sitter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shocking that Equifax FINALLY cleaned up the mess they made on my report. However they have one issue they need to correct. 

The XXXX with XXXX XXXX XXXX XXXX has been paid off. Acct # XXXX. Please correct it to a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have had a free checking account with America First Credit Union for a number of years now and just got told that my free checking is going to be upgraded to a premium checking with a XXXX a month fee. I didn't get asked, I got told. They are automatically upgrading me without my consent. I can't afford to get charged a XXXX a month fee that could cause me to overdraft. They are forcing the upgrade without my consent. I'll either have to close my account or wait for the upgrade and try to downgrade back to free checking once they upgrade me. This is not okay with me. I did not agree to this.
Product: Debt collection

I have an original debt with XXXX XXXX acct. opened XX/XX/XXXX. In XXXX the account was closed with a high balance of {$290.00}. The debt was purchased my portfolio recovery associates , llc on XX/XX/XXXX. The debt buyer re-opened an aging debt on XX/XX/XXXX. I never open a new line of credit with this company, but I have two debts for the same account with different payments on my credit report. Because I am unsure of my rights and the laws I called and made a payment arrangement after attempting to dispute the debt and requesting validation. I was assured that the information was accurate, but it doesnt seem legal that this company can buy an old debt right before the statue of limitation is up and restart the aging process. Can your division please assist me with this matter. Original XXXX XXXX account ending in XXXX. Debt buyer account # XXXX. I am a consumer that is trying to correct my errors but feel that I am being taken advantage of due to my ignorance of the laws.
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. 

Convergent Account : XXXX # XXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681. 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 instruction.

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 info Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 


I did not give XXXX, Transunion, and XXXX written instructions on these accounts XXXX : # XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had misplaced all of my information during Hurricane Sandy and I was homeless for 3 years. last year I had XXXX XXXX and I was in a XXXX  and XXXX  for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.