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

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$110.00} XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX Balance {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$2400.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$510.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance {$620.00} XXXX XXXX XXXX  XX/XX/year> XXXX  XX/XX/year>
Product: Debt collection

CAPIO has reported two accounts both of which have been disputed and removed by all credit bureaus. XXXX XXXX XXXX just removed it off. Now this company has reported it and 1. Never received written notice that they had it or that it was going to be reported! My info was stolen years ago and that debt is not mine. Plus my info has once again be stolen as I was part of the XXXX  breech. They should not be allowed to keep reporting the debt/account once it's been disputed and removed!

Once I learned that this hit my credit I called the company and the man was very rude claiming that i owed it and I need to pay it and said they didn't have to send me anything before reporting it.
Product: Credit reporting or other personal consumer reports

I have called and sent in dispute letters to request for my name to be corrected and address on credit report.
Product: Vehicle loan or lease

We purchased our new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX our credit union sent a payoff of the vehicle to the dealership. On XX/XX/XXXX we received a statement from Toyota Financial Services indicating we still owed the $ XXXX. I called Toyota Financial Services on XX/XX/XXXX and they informed me they had n't received a payoff from the dealership. I immediately called the dealership and was told they would email the Finance Director who would take care of it. On XX/XX/XXXX I followed up and found nothing had been done. I spoke with the Finance Director who assured me the check would be sent to Toyota Financial Services. They sent me a copy of the check and the tracking number. The representative at Toyota Financial Services could not find the check with the information I provided and instructed me to fax a copy of the check and tracking information to the escalation department which I did. She also suggested that if I did n't want it to affect my credit I should make the payment of {$760.00} which I found totally ridiculous. I was just contacted by XXXX XXXX XXXX and was told that the check has not cleared and they are sending me proof that the check was signed for by someone at the company. Now I 'm having to jump through hoops to try to track down this payment and have been told there is nothing that can be done re. my credit and that I would just have to dispute any negative marks. This unacceptable and should not be tolerated especially when I 've done nothing wrong. Please help,
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights are continuously being violated under Title 15 USC section 1681 and USC section 1692 of the fair credit reporting act. Consumer has made multiple attempts disputing with Equifax that I am a victim of identity theft and do not recognize charges listed in my FTC identity theft report.I have filed complaints thru CFPB on XX/XX/2021, XX/XX/2021, and XX/XX/2021 and Equifax would provide NO proof of debt but claim debt was verified. The law ensure accuracy, fairness and privacy and all my rights under this statute are being violated. A Federal Lawsuit will be brought against Equifax for failure to comply with FCRA regulations if these items are not removed from my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing my car loan with credit acceptance increased by {$210.00} on XX/XX/20. I disputed it and results say no change needed. I spoke with Credit Acceptance 3 times regarding this change and they assured me that my loan will never go up and will decrease each month. I have never been late on my car loan. They also stated that XXXX has made the mistake and they need to fix it on their end. I spoke with XXXX and they state it is correct. I just go back and forth between the 2 of these companies. Please help. Thank you. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following account Block and remove it.
Product: Credit card

XXXX XXXX XXXX I sent a payment Instrument to Citi in the amount of {$4700.00} with payment instructions. XXXX XXXX they issued a temporary payment in the amount. XXXX XXXX they reversed the payment with no legal and lawful justification. XXXX XXXX XXXX I made an online payment of {$41.00} on the account to bring it current. XXXX XXXX I received a correspondence from CITI stating that they are exercising their rights to close my account. XXXX XXXX I sent correspondence to CITI XXXX XXXX XXXX XXXX requesting a validation of the debt, Full documentation of the account, Origins of Credit as well as instructions to process a delivered Payment Instrument included in the mail parcel. I informed XXXX XXXX that they are in violation of our Arbitration agreement see CITI Credit Card Agreement Sec 11 for their closing of my account. XXXX XXXX was instructed to return the delivered Securities if they are unwilling to process them for payment. XXXX XXXX I sent a Notice informing XXXX XXXX XXXX of his fiduciary obligation and to send the documentation requested on XXXX XXXX XXXX as well as process the delivered Instrument. In my correspondence I informed XXXX XXXX that they are in violation of FDIC Sec 29 Civil Money Penalties. In my correspondence I requested once again to deliver the two Instruments that are in their possession and to reopen my account due to their violation of our Arbitration agreement.
Product: Debt collection

On XX/XX/2017, I had a medical appt with XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX whereby his office was to bill my insurance company, XXXX XXXX since the visit was pre-approved and he was listed as my primary care physician. 

Although I have had several appts since that date, his office, XXXX XXXX XXXX continued for several months to send the {$180.00} invoice to my residence. Each month upon receipt of the invoice, I contacted Access as to why the bill had not yet been paid. 

Each month, the ins co indicated that the provider has incorrectly coded the visit. They assured me that once the provider submits the correct info, they are happy to pay the invoice since I most certainly have coverage. I am also told to disregard the bill and that because I am on XXXX, it is against the law for the provider to bill or harass me for payment. 

This same loop has gone on monthly for over one YEAR, during which time, the bill was sent to Collections and I have had to communicate the same info to them. Finally, the last 2 months, I had XXXX on a 3 way call to resolve this situation. The Collections Agency-Emerald AR Systems, the provider-XXXX  XXXX XXXX XXXX XXXX, the med ins co-XXXX XXXX, and I all understood that it is the provider who has REFUSED to submit the necessary info for the bill to be paid. I was again told by XXXX that I am not liable nor should I have to deal with this monthly aggravation, and that all parties are on board as to what needs to be done on their part to resolve the bill months ago! 

Just yesterday, I received ANOTHER letter from Emerald AR Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX stating that the provider has closed the acct and directs the Collection Agency to collect from me. The acct # XXXX Please help because the incompetence and the refusal to submit the appropriate claim for payment is shocking and I am being unduly harassed.
Product: Checking or savings account

I went to Simmons Bank in XXXX, AR because I had called and spoken with Simmons Customer Service who told me that I could apply for a XXXX XXXX. When I arrived at the bank, XXXX XXXX told me that I would have to come back on XX/XX/XXXX and I did explain what they told me on the phone but she said I could not apply until XX/XX/XXXX. I called Simmons Customer Service back approximately two weeks later and was told that I would have to come back on the same date. On XX/XX/XXXX, I wen through the drive through in XXXX and was told by a male that I would have to come back the next day and they would have all of the paperwork completed and I would just need to sign it. When I cam back the next day. XXXX XXXX told me they had charged it off and she would talk to the backend to reopen and would call me. I came back through the next day because I did not hear from her and she said the same thing. I came back again and she said the same thing. Now, my account is closed.
Product: Mortgage

I called on Friday, XX/XX/2021, to make my payment. Every person I spoke to refused to process it. A few of the representatives we're XXXX id # XXXX, She transferred me to XXXX at XXXX id # XXXX, then XXXX id # XXXX, and finally XXXX at XXXX. After being bounced around as usual and extended hold times, I decided to call the number of XXXX id # XXXX. He called and processed my last made payment on XX/XX/2021 after your company took almost 60 days to respond to my last complaint in XXXX. The number he gave me and told me was his direct line turned out to be just the HELOC line which obviously is of no help. Finally I called the number XXXX and ext. XXXX for XXXX XXXX, who is supposed to be my contact for issues after my last complaint in XXXX. The message says " she is at home '' and does not even allow me to leave a message ( not very professional or helpful to say the least ). I then called back XXXX which is the number for the Office of the Customer and left a message on the general mailbox stating that I would file this complaint today, again, unless someone called me today. Nobody called so this is my only option. I will continue to file these complaints if nobody is capable of processing my payments. I'm just trying to pay a debt here, which has already been charged off. Worst customer service I have ever experienced in my life, bar none.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 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 According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

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

This is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my credit
Product: Money transfer, virtual currency, or money service

At XXXX XXXX I received a text message from Cash App stating that a Cash App user as filed a dispute with their bank for {$140.00} payment which I received on XX/XX/19. This payment will be refunded from my account. 

I contacted the Cash App user in connection with the transaction in question and they stated that they did not file any such dispute. 

I proceeded to then contact Cash App via phone no luck, so I proceeded to send then and email. They responded to my email stating that they have conducted a review of my account. As a result, they are sorry to inform me that they have elected to deactivate my account doe to chargebacks on payments that I have from other Cash App users. 

I replied to their email stating that if an actual review was done of my account they would have seen that the amount for the transaction in question was sent back to the Cash App user on XX/XX/19, so there was no reason from them to now have gone ahead and debit my personal bank account for {$140.00} which they state will be returned to the Cash App user on Tuesday XX/XX/19. They also went ahead and close my Cash App account with my {$100.00} still in it, and have also closed the Cash App user account that they are stating have filed a dispute for the {$140.00}, and there was also money in his account that he now has no access to. 

I contacted my bank and they confirmed that there is a pending debit in the amount of {$140.00} and I explained to them the situation. Agent provided me a XXXX XXXX number that was attached to the transaction and stated that I could call them and explain what is going and see I could get the authorization dropped. That was unsuccessful! 

I have unlinked my debit card and bank account from the application. 

I am righting for some assistance in recovering my stolen money. 

Thank you in advance for your assistance. 

XXXX.
Product: Credit reporting or other personal consumer reports

These late payments do not align with my typical payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written to Experian to address a list of hard inquiries on my credit report that went largely ignored. Today, I sent Experian a formal Notice of Intent to Sue letter via CM RRR # XXXX. I have demanded under FCRA U.S. Code 15 U.S.C. 1681 et seq 604 that the list of hard inquiries are there without my express consent. In XXXX of 2022 I experienced XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and the entire contents of my purse along with identification documents were stolen. There is a police report regarding such ; however it contains very personal information and I should not have to expose myself or render myself vulnerable to a large bureaucratic agency with obviously zero empathy or regard for how they respond to consumers and how their respective neglect affects lives. I am a XXXX yo XXXX, these hard inquiries have driven down my credit score, making it extremely difficult to rent an apartment or to buy a car without an exorbitant deposit or a extremely high interest rate. Experian should step up and pay the penalty as outlined in the FCRA for reporting inaccurate information, per each violation. I have attached my formal letter, along with an example of damages from a recent apartment application. The expenses involved are application fees that I can not recover while I go completely ignored.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had a series of transactions attempted on my account. Two ( 2 ) were approved to XXXX for the amounts of {$32.00} and {$49.00}. I researched the merchant and its affiliates and confirmed that I had never done business with the merchant. I contacted CashApp ( Square Inc/XXXX  XXXX  XXXX to report the transactions on the CashApp Visa. I was told that I couldn't dispute the transactions until the transactions hard posted to the account. The card was shut down and replaced. On XX/XX/XXXX, both transactions posted and I contacted CashApp and disputed the transactions. On XX/XX/XXXX, I received a response that the transaction would be disputed and the merchant the network allows 45 days to review and resolve the claim. No mention of a provisional credit as required by Regulation E ( EFTA ). 

The very next weekend on XX/XX/XXXX, two more transactions posted to my account with the new CashApp Visa card that had not yet been activated. The transactions were to XXXX in the amounts of {$220.00} and {$26.00}. On XX/XX/XXXX, I reported these transactions and asked when a provisional credit would be issued. I was told by the agent that the transaction would be disputed but no further discussion could be done regarding the process. I then responded to the dispute analyst that was handling the first two transactions, he said they had 45 days. I shared with him my extensive knowledge of financial services regulations because of my job and 20 years in the industry. I advised I am supposed to receive a provisional credit. I have yet to receive a response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inaccurate customer service and unfair practices, which violate the Comsumer 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 comply with error resolution requirements under the Eletronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and Finacial loss and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
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. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing ay of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years.

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Debt collection

Common wealth financial reported past due medical bill debt to the credit bureaus without contacting me about this debt first. I did not receive any calls, nothing in the mail, no email. I was not aware of this debt, I would have paid it off or set up a payment plan. This debt can not be considered past due when I wasnt even notified about it. Once I saw the debt on my credit report, I XXXX the company name and contacted them. They sent me the letter to my email that I have attached.
Product: Mortgage

Our mortgage was sold to Selene Finance in XXXX XXXX XXXX payment cleared our bank on XX/XX/year>. XXXX was paid, no problems. In XXXX we called in our payment for the regular amount ( on the XXXX ) but we noticed double was taken out of our account on XX/XX/XXXX with no notice from Selene. We started contacting them to find out why double was taken out and were told they returned one of the payments. It was confirmed by our bank that no payment was ever returned. After several calls they finally issued a refund check. XXXX payment posted correctly. In XXXX they said XXXX payment was also returned. We confirmed again with our bank there was never a returned payment. They again took a double payment for XXXX and will not take our calls about it. Every time we call, they hang up on us. They are ruining our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Below I have attached my Drivers license and Social security number