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

To Whom This May Concern, I contacted Transunion, XXXX, and XXXX  months ago as well as again on XX/XX/XXXX. In my complaint, I explicitly listed under the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature of the accounts listed below.

The accounts listed were : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card The response I received back was, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow up with you within sixty 60 days from the date you submitted your request. '' This is unlawful as dictated by the Fair Credit Reporting act. CRA 's only have 30 days to validate and are required to remove the information listed on the report unless it has been lawfully validated. Through the PHYSICAL verification of the original signed consumer contract with MY signature of the account. 

So far, no signature has been produced, and my attorney is now pushing me to seek penal damages since my very first request was completely ignored. I'm livid that you would treat me as a consumer unfairly. I'm livid that you willfully violate the law every day when you " verify '' information. Despite the numerous whistle-blowers that have come forward to discuss how you " verify '' information, you continue your practice of unlawful verification. As my attorney has advised, there is no reason to open a dispute for debt validation. You are supposed to speak to the creditor directly to request my agreement and verify my signature. Opening the dispute process navigates your fraudulent means of verification, but your digital verification system does not satisfy requirements under Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ).

Furthermore, please note that I have opted out in writing to your forced arbitration terms. 

I have proof that you have violated my rights, as noted under FCRA. I'm giving one final chance to sort this matter out before turning it over to my attorney. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Id originally set up a settlement for the XXXX and last day of each month. Up until this most recent expected payment date ( XX/XX/XXXX ) did the payment not come out. I called Portfolio Recovery Associates to see why they hadnt drafted the payment ( no notice or attempt visible with my bank ). PRA stated the payment was attempted on XX/XX/XXXX and returned on XX/XX/XXXX. Additionally, their online portal shows where theres only one more payment left that would resolve my account. Over the phone they are saying a payment was missing, online its showing the account is current with no option to make an additional payment other than the final payment left to resolve the account. 

I spoke to XXXX XXXX who insinuated she wouldnt allow me access to the modify payment arrangement options online ( was in fear of this actually working due to system discrepancies ) because I wanted to file a complaint with the CFPB about this and was accusing PRA of wrongdoing. I let her know because they were unwilling to look into system issues and provide me a clear account of what has happened and what is owed, I felt uncomfortable completing the arrangement before I might hear back from the CFPB since she was saying there was no option to resolve further with PRA. She then said she was going to cancel my entire settlement and I would owe the original balance all over again ( meaning the on time payments Id already made wouldnt matter and I would have to start all over again ) and accused me of being broke and lying about these issues because I didnt have the money for the payment.

She told me she was willing to push the last payment in exchange for a payment today and said she was transferring me to someone else for the payment and disconnected the call and never attempted to call me back. I have to manually call back, and speak to another supervisor named XXXX XXXX who confirmed XXXX XXXX didnt do what she said she was going to do, and XXXX XXXX was able to make the payment without transferring me, and gave me additional options to help me resolve that XXXX XXXX never mentioned.
Product: Checking or savings account

To the Consumer Financial Protection Bureau, I am filing this complaint against Cash App ( operated by Block , Inc. ) due to their failure to properly investigate and resolve a fraudulent duplicate charge on my account. Cash App has engaged in unfair and deceptive practices by wrongfully denying my dispute without justification. 

Details of the Issue : On, XX/XX/year> I made a legitimate purchase using XXXX XXXX. 
However, in the early hours of XX/XX/year> at XXXX XXXX, my card was charged again for the exact same amount, even though I was asleep at the time and did not authorize or initiate another transaction. 

This duplicate charge put my account in the negative, which is highly unusual. Typically, transactions are declined when I do not have enough funds, but this specific charge was processed anyway, making it even more suspicious. 

I immediately filed a dispute, yet Cash App denied it, falsely claiming that no error occurred. 

Unfair Handling of My Dispute : Cash App did not provide any justification or proof as to why they believe the charge was valid. 
They failed to recognize that a duplicate charge is a clear billing error, as defined under consumer protection laws. 
They dismissed my dispute without any real investigation or opportunity to provide additional evidence. 

Pattern of Unfair Practices : This is not the first time Cash App has mishandled a dispute. Their pattern of denying legitimate claims without proper review raises concerns about their compliance with federal regulations.

What I Am Requesting : A full refund of the unauthorized duplicate charge.

An explanation of how Cash App determined that no error occurred despite clear evidence to the contrary.

CFPB oversight into Cash Apps dispute resolution process, as they are repeatedly failing to protect consumers from fraudulent and duplicate charges. 
Cash Apps failure to investigate this issue properly, combined with their refusal to provide evidence for their decision, is a violation of consumer rights. I urge the CFPB to hold them accountable and ensure that they provide fair dispute resolution procedures. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

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/year> These inquiries are not accurate and are not legal. I have not authorized these inquiries, I am not currently looking for credit. Remove these inquiries because the creditors I called did not assist me.
Product: Checking or savings account

Subject : Urgent : Prolonged Account Restriction, Missing Funds, and Distress Dear Customer Financial Protection Bureau, I urgently seek your assistance due to the distress caused by prolonged account restriction and transparency issues with my Revolut account. My account was restricted for XXXX days, and it is still missing {$34.00}, intensifying the distress. Specifically, this relates to a XXXX to Revolut transfer on XXXX XXXX : Transaction Details : - ID : XXXX - Date : XXXX XXXX - Amount : {$34.00} The extended account restriction and lack of transparency in resolving these issues exacerbate the distress. Your immediate intervention is crucial for the resolution of both the missing funds and the associated distress. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and derogatory information reported by TransUnion on my credit report concerning XXXX XXXX . 

According to Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove disputed inaccurate information within four business days when the information can not be verified. TransUnion has failed to fulfill this legal obligation, and the false entries remain on my report, causing significant harm to my creditworthiness and preventing me from purchasing a home. 

This continued negligence violates Sections 605 ( b ), 607 ( b ), and 611 of the FCRA, which guarantee my rights to accurate reporting and dispute resolution. I demand immediate removal of all unverified and incorrect information related to XXXX XXXX and request a corrected credit report within four business days. 

Failure to address this matter promptly will compel me to take legal action to ensure federal compliance and protect my rights. 

Attached are relevant documents to support my dispute. 

Thank you for addressing this matter urgently. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Gm financial has failed to report accurate information on my credit report for over 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sold my information and now debt collectors calling to collect a debt the original creditor charged off and received a tax break : FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY payment never late : XXXX XXXX XXXX - Closed 1 late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan from XXXX XXXX XXXX in XXXX, PA for XXXX XXXX   almost 13 years ago from Sallie Mae. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my Sallie Mae loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX   it's open now taken over by XXXX and under my XXXX  report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a single mother of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX years old and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports
Product: Credit card

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX stating Capital One re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from XXXX   stating that Capital One has verified the information to be accurate. This is a problem on two fronts. Capital One has re-aged the account, and XXXX   hasn't actually made an investigation themselves. XXXX sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. XXXX is not reading their own document.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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

Capital one has not released my direct deposit it was supposed to be available today I have bills due and no money to pay for them causing late payments and fees I have bills scheduled to be paid and can't pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has put many debts ( 8 on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Product: Credit card or prepaid card

CITI BANK, XXXX XXXX XXXX  Account Number XXXX complaint, I am a Home Depot pro rewards customer since XXXX, I have used the card in the daily administration of my realestate investments and many other home refurbishing. For several Months we have awaited a replacement card in the mail. We Live a a small incorporated Town Of XXXX XXXX. We Do Not have mail Boxes, as I explained and have always received my mail, Bills, ads, and previous Cards from Home Depot Credit card statements and cards at that XXXX XXXX XXXX. XXXX XX/XX/XXXX we called XXXX XXXX XXXX XXXX Citi BANK and talked Rep XXXX, and instructed her to add XXXX XXXX XXXX the Physical address as requested, But on XXXX separate events, the new card was sent the EXACT same way. and XXXX to CITIBANK as non deliverable. Citi bank in fact XXXX suspended my account with no Notice. I was instructed to use old card until they could send new card. In a recent XXXX in XXXX XXXX my card was declined. I had my wife call and she talked to Citibank XXXX and the rep asked her the name of the cards original application company from XXXX years ago. My wife complied as to the best of her knowledge and was in fact correct. The rep Cancelled the card and indicated verbally that my wife had requested it to be cancelled, My wife indicated She in Fact DID NOT Cancel, but inquired Why she, had cancelled by pushing a cancellation card button and could not change it. Her actions were COMPLETEY FALSE and Malicious for reasons unknown. My card has never been late, and was in good standing, In Fact HD credit recently Increased my Limit on their Own. I have contacted XXXX XXXX and was told mangers would review the taped Conversation too verify my statement that the card was not cancelled by the Non card Holder as accused by their Employee, dates were Friday XX/XX/XXXX then once again, I recalled on Mon XX/XX/XXXX and was told it was in review. I at no time canceled the card. and Recently Sent in a Fax as requested by Supervisor XXXX XXXX verified NY XXXX Registered Business and its Verified Status. I was instructed Because She Fraudently closed my account id have to reapply. As I am on a high Tier Purchaser I would lose Substantial Perks and Financial incentives I have accumulated. I have accumulated over XXXX k in reward real money purchases and have spend XXXX in my purchases sense then Card was originated, THEY encouraged and requrest this PRO account to me Because off my vast amount usage and in store purchases. I feel wronged and ask consumer I have been subjected to Unfair business practices that border of XXXX. Please review my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not, not have ever had contact with XXXX XXXX XXXX. I have never recieved email or letter about a collection due. I reached out to XXXX as that is the closest name when I XXXX  the company ( as no other info was provided from the credit report ). They had not heard of such an agency, but listed similar company names/branches of collection agencies. When experion disputed it, they said the company confirmed I was past due, but there was no info on where to go or any contact info to find more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of the accounts below are not accurate. Payment history, the open date, date last active, and date of last payment is not 100 % accurate. 

XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit card or prepaid card

I attempted to use the card on XX/XX/2022 at a gas station ( XXXX XXXX ), by paying at the pump. 
It asked for my zip code but I entered it it came back wrong zip code. So my sale was canceled. I went inside to attempt to pay for gas, but my card then read insufficient funds. 
XXXX XXXX is XXXX XXXX, 22. And now the card company is saying it could take up to 90 days to get my money back. 

Why should it take so long when I reported it immediately to the card company - Money Network- on the same day.
Product: Credit card or prepaid card

About a month ago, I visited my local chase bank ( whom Ive done business with for about 10 years now ) and applied for a bigger credit card ( my current one has a XXXX limit ). The supervisor sat down with me and called the underwriter and had them on speaker phone, they asked all the questions and finally got to the question of income. I responded with I am XXXX XXXX XXXX, and receive XXXX a month in va compensation and they responded ok, so, unemployed and the supervisor kinda sat back into his chair looking confused. I said no, I have XXXX XXXX XXXX through the va, and its total and permanent they said ya, unemployedand Im sorry sir but your application has been denied, goodbye and hung up. The supervisor looked me square in the eye and said you might wan na find yourself a different bank and shook my hand and I left humiliated.
Product: Credit reporting or other personal consumer reports

Since approximately XXXX, I have been unable to access my weekly report on www.annualcreditreport.com. While I can receive my XXXX report on the site, I am directed to order my XXXX and XXXX reports over the phone or via mail, which is not how the weekly report service is supposed to function. 
This is making it very difficult to access my information. 

I am a victim of identity theft and recently had another incident where my banking information was compromised. It is crucial for me to have consistent access to my credit reports as promised. Being blocked for multiple weeks has heightened my anxiety, as I constantly worry about further breaches. This situation violates the Fair Credit Reporting Act ( FCRA ), especially since I have found numerous incorrect entries on my reports each time, I have accessed them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX  ( account number : XXXX Below are the specific issues I have identified : XXXX. Incorrect information in all three bureaus : The account in question contains errors in all XXXX  major credit bureaus ( Equifax, XXXX, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 
XXXX. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. 

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( Equifax, XXXX, and XXXX ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to EQUIFAX. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Money transfer, virtual currency, or money service

I was using Zelle a while ago and it was sent to the wrong person