23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times to XXXX and they have not assisted me promptly or correctly with identity theft. After I alerted the XXXX bureaus of the issue, XXXX continued to report my account as late. I told them I did not have the card and the transactions were fraud, and would not send a card or open account since it was passdue. Also during, the calls they pushed me to paying or they'll report it late. I explained to them that it wasn't me making the charges, until I finally closed my secured card. Even after they still reported it with late payments and balance due. It it showing late payments on a now closed account
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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account ending # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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: Credit card or prepaid card

I have an American Express XXXX card, which has a {$200.00} credit to be used on Amex XXXX. I used this card to book a room on XX/XX/2022, and got a credit ( {$200.00} ) on my account on XX/XX/2022. 

Then I canceled the reservation on XX/XX/2022, so the credit ( {$200.00} ) got reversed. 

And I also booked another room, and got the credit ( {$200.00} ) on XX/XX/2022. Then I canceled this reservation on XX/XX/2022 because of plan change, and this credit got reversed on XX/XX/2022. 

The last time I book a room on XX/XX/2022, this time Amex did not give me the credit, but when I cancel it, Amex charge me {$200.00} for no reason. 

I called Amex and they just transfer my call to multiple their teams ( XXXX team, Dispute team, Amex XXXX team... ), and none of them solve this problem. 

I also chatted with Amex service online, they are not helpful. 

I can not open a dispute on their website because they somehow does not show this option for charges from Amex XXXX. 

I already spent dozens of hours on this case.
Product: Mortgage

Di tech refused to conduct an escrow analysis and then when they finally did the analysis they found that the account had {$3000.00} extra in the account. As of XX/XX/XXXX.2016, we have not received the return of funds over the required minimum. Escrow analysis was completed in XXXX 2016 and then in XXXX the PMI was dropped from the account and another analysis was done and new amount was statwped, but the XXXX and XXXX payments were made in the amount of the new XXXX amounts, but they were crediting the account for {$75.00} less than was payed. 

On XXXX XXXX, 2016, spoke with XXXX and she stated the extra was in an overpayment account except it did n't add up to {$150.00} and futprther went in to state that XXXX payment paid XXXX and then on XXXX XXXX an payment of XXXX was made thus they say the account was up to date XXXX it came from an overpayment account, but the account has never been late and no payment had been missed. Requested a payment history sent to me, refused, stating it would be sent to Netherlands attorney on record. They never communicated a payment behind through the attorney. 

Ditch will not send a bill with amount due since account is in active bankruptcy and when you call to ask for amount, they say pay what you paid the previous month.
Product: Checking or savings account

I keep getting letters about an account in my name through bank of America. I even received a bank card with my name on it. I have never had any dealings with bank of America.
Product: Credit reporting

Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX accounts Has violated my rights XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I wish to use your organizion 's service, seeking a formal, impartial investigation to amicably settle my dispute with Navy Federal Credit Union. 
Please see the attached PDF file.
Product: Prepaid card

I bought american express gift card, I try to use online buying stuff from XXXX, XXXX. When I try to pay through gift card and couldn't purchase. Though they took XXXX from card just, payment wasn't going through. So now I want my cash back and want to return gift card back need my money back. I save money XXXX for buying stuff online, {$500.00} gift card just buying that card I spend {$7.00}. So XXXX.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 that the information is inaccurate.
Product: Checking or savings account

I am a survivor of XXXX XXXX  and had my identity stolen. I have them a police report and they credited me, to turn around around and take the XXXX back and still allowing XXXX XXXX to charge me. They then sent my card to my XXXX  address. I want my XXXX dollars back that they lied and said they credited and never even gave to me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late 30 days on this account and I have tried to resolve this with capital one and to come to resolution but never happened.
Product: Credit card or prepaid card

Due to Corvid-19, my XXXX XXXX is literally shot down, I'm not making any money to pay my bills. I had called one of my credit cards today HSBC to arrange a deferred payment and I was horrified that they are willing to give me a 60 days deferred payments, however they will keep charging me interest during those 60 days, I believe thats unfair to the consumer thats not at fault for not being able to pay, how can you do that to a consumer mostly with the outstanding credit like myself, thats totally unfair and inhuman to do that. I have a XXXX XXXX credit card and they deferred payments for 90 days, waiving all the late fees and interest for the 90 days, so how can HSBC bank be so unfair. 
Hopefully there is something you can do to help with this situation.
Product: Credit card or prepaid card

When I was with Navy Federal Credit Union there was fraudulent activity on my account in which I ask to have an investigation on the activity which resulted in them closing my credit card with a fraudulent balance along with my checking and savings with money still in it which I was unable to retrieve. Without me knowing they were paying the credit card bill from my checking and savings for a year and when I confronted them they didnt refund me the money they used but gave the remainder of the money in the account which was significantly alot less than was originally in there. Now I have late payments on an account where there was a fraudulent and a account in which i couldnt take my money out.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence. It provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EquifaxXXXX inaction violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I no longer need the security lock on my file so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies on My Credit Report I hope this message finds you well. 

I am writing to bring to your attention multiple discrepancies I discovered on my credit report. I was recently rejected for credit approvals, which raised concerns regarding inaccurate information that does not pertain to me. 

As a former foster child, my uncle had custody of me and misused my personal information to acquire phones and other items in my name. Despite my efforts to rectify this by filing documents for removal of these accounts and requesting verification through wet signatures, they have not complied. 

These incorrect accounts need to be removed as they are hindering my ability to live my life without undue interference. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX, XXXX XXXX Experian ( Review Attached Documents ) Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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. 

Remove Following non-mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX - XXXX XXXX XXXX XXXX XXXX KY XXXX Update Accurate Account Payments Dates : XXXX XXXX, Account Type : Revolving, Date Opened : XX/XX/XXXX ( Update Payment information for XXXX, XXXX as Paid ) XXXX XXXX XXXX, Account Type : Revolving, Date XXXX ( Update Payment information for XXXX, XXXX as Paid ) Remove Unauthorized Accounts Listed Below : Account XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Accounts Listed Below : Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Remove Unauthorized Inquiries : XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Checking or savings account

Between XXXX and XXXX, navy federal credit union has been charging me overdraft fees without my knowledge and any time a money transfer from a service like XXXX XXXX XXXX XXXX XXXXXXXX happened, they reported the money as being in my account instantly even though it actually took a day or XXXX on the banks end, this would cause me to unknowingly overdraft my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter simply to remove information being reported to my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that you remove thern to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Credit card or prepaid card

I was approved for a credit thru Citibank and it never came.
Product: Checking or savings account

Since XX/XX/XXXX, a whole week and Ally.com 's website and app have not been accessible to me from any device or browser. The website is down, the app is down and the customer service wait at the shortest is over 1 hour and 10 min and then you don't get through. 

They are having major problems and they didn't provide any backups to such problems, including their phone service that does everything possible not to allow you to speak to a live person. 

Very scary and very disappointing.
Product: Credit reporting or other personal consumer reports

I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to provide me with this documentation. You ( XXXX  XXXX XXXX ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all XXXX credit bureaus which is a violation of my consumer rights. XXXX and XXXX are reporting late payments for XXXX, XXXX, XXXX of XXXX and XXXX of XXXX while, Equifax is only reporting XXXX, XXXX of XXXX and XXXX of XXXX. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX  Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXXXXXX Account Number : XXXX 7. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX