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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
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 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

RE : Williams & Fudge, XXXX XXXX ( XXXX ) XXXX : Company clearly bought an old debt for pennies on the dollar ; stated a very inflated / incorrect amount as part of an invoice that was sent over a public Company server as opposed to my personal e-mail. Prior to the e-mail that was sent to a public business domain today ( Friday, XX/XX/XXXX -- which I have a record of ), XXXX XXXX XXXX called repeatedly to my cell phone and made fun of / mocked my last name. This is harassment for a debt that is not even correct plus outside of the Statute of Limitations. Please Advise how I should proceed. 

P.S. The company server that he sent the e-mail is a Company that furloughed me due to the Coronavirus.
Product: Credit reporting or other personal consumer reports

As a consumer, I have subscribed to Equifax 's monthly subscription service, which is advertised to include the ability to freeze and unfreeze my credit online at any time. However, despite paying the monthly fee for this service, I have consistently faced difficulties in utilizing it as advertised. 

Specifically, I have found myself unable to freeze or unfreeze my credit online through Equifax 's platform. Instead, I am forced to contact their customer service department every time I need to enact a credit freeze or unfreeze, which is a cumbersome and time-consuming process. 

This failure on Equifax 's part to provide the promised online credit freeze and unfreeze services constitutes a violation of consumer rights and fair business practices. It is unacceptable that despite paying for this service, I am unable to access it conveniently online as advertised. 

I kindly request that the CFPB investigate this matter and take appropriate action to address Equifax 's non-compliance with consumer protection regulations. Additionally, I would appreciate guidance on how best to resolve this issue and ensure that Equifax fulfills its obligations to consumers moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX 2015 I requested validation from CBE. Although CBE account was deleted from my credit report in XXXX 2015, as of today I have not received validation requested. According to credit report pulled XXXX/XXXX/2015, this debt is now held by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XX/XX/2016. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
Product: Credit card or prepaid card

I was defrauded by an auto mechanic in XXXX and I immediately reached out to Bank of America and Visa, the card issuer, to assist with consumer protection. I brought my car in for a FULL SYNTHETIC OIL CHANGE AND COMPLETE TUNE UP, but the mechanic performed a conventional oil change and only an incomplete tune up. When I collected my vehicle, I noticed on the receipt that this was not what had been discussed in person and by phone with the shop manager. The clerk informed me that management was away and I would have to call. I did, immediately, and spoke with tech, who apologetically conceded that they did not perform the agreed to repairs. He provided contact information and informed me that I could also expect to receive a call from his manager. When reached by phone, she similarly apologized and offered a partial refund and a re-do of some of the work. I agreed, but when I brought the vehicle back to the shop, the aging owner aggressively approached me. He overruled her on the refund and re-work and berated me in front of the customers. He invaded my personal space and I left the store with a warning that, had I stayed, I would need to involve the police because he was becoming belligerent. About 5-10 minutes, later I received a frantic call from the manager again asking me to return to the store for a partial refund. I informed her that I did not feel safe returning to the store and she admitted that he was out of control. I told her I would handle it with my card company and bank. The Bank of America representative assured me that I neednt worry and that my Visa/BOA card was fraud-protected. The man did not perform the work that was agreed to and I should be due for a full refund. I contacted the Better Business Bureau, but the shop did not cooperate. I similarly reached out to an association of auto mechanics. I eventually received a temporary credit for the charge. I thought this was over until Thursday, when, without warning, I saw that the amount of {$460.00} was withdrawn from my account. I had not even been consulted. Had they asked, I could have included further testimony and documentation. This man, whos shop is currently 1-star rated, did not perform the work he was paid to complete and then physically threatened me when I attempted to resolve the problem. He did perform some work, but it was not what was paid for. I was completely defrauded and the card company inexplicably sided with a merchant with a history of intimidation and shoddy workmanship. I am flabbergasted and have since reached out to local news media about both the mechanic shop and Visas response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Iam contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : JPMCB- CARD SERVICE {$3800.00}
Product: Credit reporting or other personal consumer reports

Equifax, and XXXX has been violating my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am seeking {$1000.00} per violation for : Damages for a Willful Violation 15 U.S. Code 1681n - Civil liability for willful noncompliance Damages for a Negligent Violation 15 U.S.C. 1681o I asked several times for my credit report to be properly reported, and my demands have been neglected. In my most recent credit dispute, i specifically highlighted the accounts i was disputing, but instead Equifax, and XXXX deleted other positive accounts that i did not include in my dispute, and verified the accounts i disputed as accurate, without a complete report. They Deleted my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts which I've had for at lease 4 years, over 7 years for my auto loan account. I have asked several times for proof of investigation, and proof of method of verification, and also my demands have been ignored or neglected. They are willingly neglecting me, damaging my image and personality by improperly reporting my credit, and getting me denied for applications. I was recently denied a rental application because of this. I am unable to obtain any other items because I get told I don't have any old accounts on my credit, and it has tremendously affected my life, to the point my family and I are homeless. I am seeking {$1000.00} per violation.
Product: Debt collection

I spoke with a XXXX XXXX representative XX/XX/2020 asking about this deliquent account with them. I provided the account number on the collection letter and the respresentativr stated that was not a valid account number and have no record of an account with them being in collections or past due. I asked the XXXX  representative if they were affiliated with the collection agency Sequium Asset Solutions , LLC. Which representative said no and it sounds like a scam. After speaking with XXXX, I checked the XXXX  XXXX XXXX  and found that this collection agency had over 271 complaints against them. Most of them were for the month of XX/XX/2020. The complaints were all the same ; complaints about debt being collected that they did not own and being reported on their credit report. None of the consumers accounts being collected on were legitimate accounts and how this company got their personal information to even report it is crazy. 

I want this issue resolved before I get a reporting on my credit report from this collection agency. 

XXXX confirmed that this was a fake account number and not associated with me or their company. 

The amount of {$420.00} is not a bill from XXXX and was advice that this was a scam. Judging by the complaints I see online I definitely believe that. 

The account number from XXXX that this company is trying to collect on XXXX is not a real account number. Please have my personal information from your company and do not send me any further correspondence regarding this fake account.
Product: Money transfer, virtual currency, or money service

I am formally Writing to express my concerns Regarding Zelles handling of disputes, Particularly in light Of recent CFPB Lawsuit Highlighting significant issues With the platform. Despite using Zelle numerous times And reporting discrepancies My Financial institution and zelle failed to Investigate my claims Adequately. They Inform me that recovering Lost funds was impossible And that tracking these transactions was infeasible. The CFPDs Finding indicates that Zelle has not Only neglected To protect consumers But also has allowed Repeat offenders to Exploit the system, leaving Users vulnerable to scams. The lack of accountability And transparency Is unacceptable And raises serious concerns About consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. Equifax, # 2. XXXX  & # 3. XXXX  about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX
Product: Checking or savings account

Please note on XX/XX/XXXX I opened up a 13 month CD with Synchrony Bank at 2.65 %. for {$1.00} million. On XXXX XXXX I noticed the bank was offering 2.75 % for a 15 month CD. I called Synchrony on XX/XX/XXXX and spoke to " XXXX '' at XXXX and asked her if I was able to change to new 2.75 % 15 month cd without a penalty. She said yes because i was within the '' 7 day grace period '' This phone conversation was recorded. I recently received my XXXX interest statement and noticed Synchrony charged me a {$500.00} penalty for early withdrawal. I called Synchrony and spoke to a Supervisor XXXX XXXX at ext XXXX who said XXXX was mistaken even though she did say there was no penalty on the recording. I escalated this to a District manager XXXX XXXX in XXXX Kansas on XX/XX/XXXX and he said the bank made a mistake and " XXXX " was wrong but the would not refund my {$500.00} Penalty.. P ; ease help me obtain a refund of my penalty..If I was advised there was a penalty I would not have changed CDs. Thank You
Product: Mortgage

I am writing about Ocwen Loan Servicing , LLC . Ocwen aquired my mortgage loan from GMAC in XXXX XXXX. Without any correspondence with me, it immediately removed my hazard insurance policy and replaced it with one that was six times higher and overcharged my account by {$500.00} each month. In XXXX XXXX, I requested an escrow analysis and that my original hazard insurance policy be reinstated. My original insurance was reinstated. However, Ocwen continued to overcharge me for the next 12 months. At one point, there was a {$5000.00} surplus in my escrow account which it refused to refund to me. Recently, the surplus suddenly disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have complained multiple times over the last twenty years of this problem. But it keeps happening. Another XXXX XXXX ( married name ) information continually gets added into mine. Problem is she has lived some cities I have lived in at various times. But she has also lived other places I have not lived and had never lived at same addresses. Big glaring issue on my report at this time is that I have never lived in XXXX and not exactly sure where it is. It needs to be removed. <P/>2. Also, I have never used the name XXXX or XXXX XXXX ever. It is not my name. Nor is it XXXX XXXX XXXX. I was born with the name XXXX XXXX XXXX. After my divorce, I resumed the use of My birth name : XXXX XXXX XXXX. Usually I do not give out the middle name as I do not like it. Please delete the name of XXXX from my record as it is not now and never has been my name. Thank you. <P/>3. I am really tired of having this other persons info combined into my credit report.
Product: Credit card or prepaid card

I made the purchase of {$6500.00} on XXXX XX/XX/2020 during double reward period on XXXX using their credit card issued by Synchrony bank. The credit card agent and sale confirmed that I'm eligible for the 20 % reward and should have received the reward of {$1200.00} by XX/XX/2020. However, i only received half of the reward and still have the other half missing, which is {$640.00}. I submitted request to Synchrony resolution department in XX/XX/2020 and was confirmed by their agent in early XX/XX/2020 that i should expect the missing reward of {$640.00} in XX/XX/2020 or XX/XX/2020. Now I contacted their customer service again and they told me that they can do anything but letting me wait for 2 more months.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXXXX XXXXXXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the collection accounts associated with my identity that are currently appearing on my credit report. The details of the disputed accounts are as follows : Account Name : XXXX XXXX XXXX Account Numbers : * Account number XXXX ... 
* Account number XXXX ... 
* Account number XXXX ... 
* Recent Balances : * {$560.00} as of XX/XX/2023 * {$450.00} as of XX/XX/2023 * {$1500.00} as of XX/XX/2023 * Date Opened : XX/XX/2023 * Status : Collection account. {$560.00}, {$450.00}, and {$1500.00} past due as of XX/XX/2023, respectively. 
I am contesting these collection accounts based on the grounds that my personal belongings, which included documents containing my identity, were unlawfully taken from my car. It is my understanding that under the provisions outlined in 15 U.S. Code 1681c2, any information resulting from identity theft must be promptly blocked by the consumer reporting agency. 
Therefore, I formally request that these negative accounts, for which I have no affiliation or contractual agreement, be expeditiously removed from all three major credit bureaus. I want to emphasize that I have not authorized the inclusion of any information on my credit report that is unrelated to my financial history or identity. 
I believe that these collection accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of any information resulting from identity theft. I kindly request your immediate attention to this matter and the deletion of these accounts from my credit history. 
I expect a thorough investigation into this dispute and request that you provide me with written confirmation of the removal of these accounts from my credit report within the legally stipulated time frame. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost care and professionalism. Please do not hesitate to contact me if you require any additional information or documentation to support my claim. 
In addition, I assert that the cease and desist process can be appropriately used to address credit report issues arising from identity theft. Section 611 of the Fair Credit Reporting Act ( FCRA ) explicitly grants consumers the right to challenge the completeness or accuracy of information within their credit files with consumer reporting agencies. Furthermore, Section 623 of the FCRA establishes potential liability for those who willfully fail to comply with its requirements, offering remedies that can include actual damages suffered as a result of such failures or statutory damages ranging from {$100.00} to {$1000.00}. This underscores the importance of a thorough and expedited resolution to my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against TransUnion regarding their refusal to remove unauthorized inquiries from my credit report. Ive submitted several disputes along with an ftc report proving this was the result of identity theft. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized inquiries are damaging my credit score and affecting my ability to obtain credit. I believe that TransUnion is not complying with the Fair Credit Reporting Act ( FCRA ) by failing to correct this inaccurate information.