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

On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft

Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute. FCRA Section 605B states : Except as otherwise provided in this
section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4
business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, Transunion  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and XXXX   received theirs on XX/XX/2020. Each one of the Credit Bureaus are in  receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.
Product: Credit reporting or other personal consumer reports

2 late payments for XXXX of 2023 was put on my credit report inaccurately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : 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

In the Eastern District of Pennsylvania FCRA Violations complaint XXXX XXXX XXXX. 
XXXX XXXX XXXX, TransUnion LLC, XXXX XXXX XXXX and TRANSUNION RESPONSE TO THE SAME COMPLAINT SENT TO ALL CRAs. for the past 24 months. I have used this forum to build this case to show the incompleteness and inaccuracy on reporting of all three CRAs which continues to report different information on all the disputed items to include proof of all the changes made to each items everytime each items were disputed by certified mail aswell as to the CFPB. 

Instead of agreeing to deleted and block the inaccurated items, they keep changing information and then claim to verify the inaccurate and incomplete account : They have changed several times : 1. The name of the company 2. The date of last payment 3. The balance on the account 4. Payments made to payments not made 5. Type of account If the items were inaccurate incomplete and false, FCRA laws require a deletion of any such credit items. 
I have saved and documented all credit reports reflecting my complaint and planned to seek damages for these reporting errors to include : compensatoury and punitive damages and attorney fees. See my attachements Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 

Please note I submitted the same certified mail dispute to all CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE NATURAL PERSON, CONSUMER AND CREDITOR. XXXX, XXXX, AND TRANSUNION BROKE THE LAW PURSUANT TO 15 UXC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX2022 THERE ARE 5 NEGATIVE REPORTING TRADELINES AND 3 CLOSED ACCOUNTS THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. I WOULD LIKE TO STATE THAT PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THAT THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, TRANSUNION AND XXXX TO REPORT THESE IN ACCURACIES IT HAS CAUSE TO ME TO LOSE ALL CONFIDENCE IN THE BANKING SYSTEM. AS THE XXXX CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVASTATION TO MY XXXX GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$26000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$26000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$24000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Vehicle loan or lease

I was not able to continue to make payments on my vehicle after XXXX of XXXX. I later contacted Capital One Auto Finance to settle, however, the amount they wanted to settle for was more than I could pay. Around XX/XX/XXXX, the vehicle was repossessed. I did not receive notice that the vehicle was going to be repossessed. Finally, in XX/XX/XXXX I received an email that I owed a deficiency balance. Missouri state law, specifically, RSMo 400.9-614 requires that the party send a notice of sale of collateral. I never received this notice and therefore I did not have the right to redeem. I don't know when the car was sold, the amount it was sold for, where it was sold, etc. My understanding is that due to Capital One 's failure to provide this notice, they can not collect a deficiency balance from me, however, they continue to try to collect.
Product: Debt collection

I have received threatening letters for credit card debt totaling {$37000.00} which is a false accusation. I don't have any credit card debt. 

The website they post, www.udcamerica.com does not open and seems to be a false site. 

I have received 3 letters sent to my previous address dated XX/XX/XXXX, XXXX and XX/XX/2020. 

I would like to report this fake company making these false accusations and requesting payment to steal money from the general public.
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 violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and properly address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair, 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 a major financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I had a parent/child checking and saving account with Bank of America with my son. On approximately XX/XX/2018 funds were transferred between the checking and savings account and withdrawn via Bitcoin and ATM. There was also a deposit ( {$300.00} ) via check. None of these transactions were done by my son or myself. The next day after discovering these transactions, I called the bank and was told there was nothing they could do until the transactions were out of the " processing '' status. Once they cleared this status I called back and filed a fraud claim. My son made a police report and I continued to follow-up with the bank. Since XX/XX/XXXX, I have gotten very little satisfaction with Bank of America from handling this claim, closing the account 9and my sin being XXXX listed with all banks ) to receiving his remaining funds in his account after it was closed. I have contacted the bank serval times from XX/XX/XXXX - XX/XX/XXXX to clarify this issue. In XX/XX/XXXX I submitted all the required documents they have asked for and haven't gotten a written statement as to why the claim has been denied as of today. 

In XX/XX/XXXX, I was asked to submit a detailed copy of my cell phone bill to include all phone calls and text sent on the day in question to verify if authorization was given to make the bank transfers. I submitted the entire month of that bill and never received a response from Bank of America. I called about 3 days after submitting the phone bill and was told the information wasn't attached to my claim because I didn't call to tell them I submitted it ( although Bank of America gave me the information of where to submit the bill ). I then called back about 10 days later and was told the claim is still being investigated and can take up to 45 days. I called back about 2 weeks later and they concluded with a denial still ( still haven't received any written information  as to why the claim was denied ). While speaking with a representative ( XXXX or XXXX ) he couldn't understand why the claim was still denied and was attempting to put me in contact with the investigator that processed my claim and get a better understanding of why my claim was denied, we were mysteriously disconnected and he never called me back. I called back the following day and spoke with another representative and he said he would send a message for the previous ( XXXX or XXXX ) representative to contact me. Needless to say, neither the claims investigator or XXXX/XXXX has contacted me. I haven't contacted them since my last conversation in XXXX. I was told to submit a claim about this issue ( as per another bank ). 

Attached is a copy of exactly what I sent to Bank of America.
Product: Credit card

I had a Chase credit card years ago and went to court because Chase was trying to sue me for a {$1700.00} balance they said I owed and I did n't. The judge through the case out and said for us to settle it outside of court because Chase could n't prove I owed it. Now I have a judgment for this amount plus interest from them. I saw an article where Chase Bank was ordered to stop collecting on accounts between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I fall into this category. How can I get this garnishment stopped? Please help me
Product: Credit card

Subject : Complaint Against UpgradeXXXX XXXXXXXX XXXX for Unauthorized Charges ** I have all conversations that I mentioned in this complaint recorded between myself and Upgrade to back up everything stated in the complaint*** Dear CFPB, I am writing to file a formal complaint against Upgrade, whose parent company is XXXX XXXXXXXX XXXX XXXX regarding unauthorized charges on my credit card and inadequate responses from both the merchant and the bank. 

In XX/XX/year> I discovered unauthorized charges totaling approximately $ XXXX on my credit card from a merchant named XXXX XXXX XXXX These charges occurred over a span of one or two days without my authorization. Upon realizing the fraudulent activity, I promptly contacted the merchant, XXXX XXXX, to dispute the charges and request a resolution. However, the merchant has failed to respond to my emails or address my concerns. 

Subsequently, I reported the unauthorized charges to Upgrade/XXXX XXXX Bank and initiated a dispute. Despite my efforts and multiple follow-ups with the bank, I have received inconsistent information regarding the issuance of a provisional credit. On three separate occasions, I was provided with different timelines and outcomes, none of which have been fulfilled. It has now been over 10 days since I filed the dispute, and I have yet to receive the promised provisional credit. 

As a consumer residing in California, I am seeking assistance from the CFPB to resolve this matter and ensure the integrity of my account is restored. Specifically, I request the following actions : I have attached copies of all relevant documentation, including email correspondence with XXXX XXXX and UpgradeXXXX XXXXXXXXXXXX XXXX XXXX for your reference. 

I trust that the CFPB will take the necessary actions to address my complaint and ensure a fair resolution. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$580.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 
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. 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: Checking or savings account

USBank has a wrongful practice of unjustifiably withholding consumer funds for XXXX full business days based on spurious claims of suspicion of fraud, or that the check will not be paid. I have banked with them for decades and no deposited check has been rejected. But every time I deposit a check of more than a few XXXX dollars, they put a hold on it. 

On XX/XX/28, I deposited a $ XXXX check into checking to transfer to my line of credit to pay down my balance due to the very high interest rate that applies to that line. But USBank notified me that there was a hold, so I could not transfer the funds to pay down my line until the hold was released. I explained that the check was written from my and my husband 's joint account at FirstBank, and that we would be happy to send a copy of our statement to prove availability of funds, but they were uninterested and they refused to lift the hold. 

This is the XXXX time US Bank has done this for no reason other than to retain control of funds that do not rightfully belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im a XXXX XXXX  and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. XXXX CREDIT CARDS XXXX XXXX XXXX XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX   Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/2018 {$20000.00} Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion wants to charge you for a credit report that you get free once a year, what they doing is another thing the reason why I ca n't access my credit report on line because you may have gotten a free paper credit report and they concider the online credit report as your once a year credit report and you have know access to the online credit without purchasein it from this credit bureau in order to make money off of the people who need to see there credit report to be able to dispute inaccuratecys the other two major credit bureauscore have online access if you need to dispute something what ever to the freedom of information act without having to pay for it.
Product: Credit card

I did a {$300.00} cash advance on my Capital One credit card in XXXX of 2018. This amount HAS been paid. I am still being charged interest on this cash advance. It looks like I am being charged approximately {$7.00} a month in interest. If that's true then Capital One has made approximately % XXXX in interest on this cash advance. They can't or won't tell me exactly how much has been paid in interest. They can't or won't tell me when the interest charges will stop. This seems to be an extremely high interest rate and it seems like Capital one has MORE than made their money back and then some.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 


XXXX XXXX XXXX XXXX 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: Checking or savings account

Navy Federal bank Navy Federal charged illegal overdraft fees to consumers.
Product: Credit reporting or other personal consumer reports

In accordance of the reporting act - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Capital one, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S.

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely 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 funds transfer act ( EFTA ) and regulation E. These Actions has caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

My complaint is in regard to TARP with LoanDepot. Unfairly saddled with employer debt when I decided to leave this employer in XXXX. I obtained FHA training XX/XX/XXXX and left this employer XX/XX/XXXX. My leaving was due to the companies pending woes where stock plummeted from $ XXXX to $ XXXX within 1 month of going public, then advised that they were going to start with " Voluntary Furloughs ''. The writing was on the wall and I was punished for self-preservation from a company that lied and suppressed company information due to pending IPO. Upon my leaving and being contacted by LoanDepot regarding the training debt of {$15000.00} XXXX advised that I had not used the certification with my new employer and offered proof to be obtained from FHA to validate that my XXXX XXXX  had not been used since departing LoanDepot. I further advised at one point in XX/XX/XXXX that I had been laid off. I now have collection and judgment against me.