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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX CT PA XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : U.S. Bankruptcy XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

On XX/XX/XXXX I contacted Cardinal Financial regarding the removal of my PMI  in XXXX, XXXX when the principal balance of my mortgage would reach 80 % of the " Original Value '' of my home. 

By letter dated XX/XX/XXXX I was notified that I had two options ; XXXX ) make a principal reduction payment of {$3100.00} or XXXX ) Pay them {$190.00} for a property evaluation to determine the " Current-Value '' XXXX ratio XXXX 

By letter dated XX/XX/XXXX I informed Cardinal Financial that I was requesting cancellation of the PMI after my XX/XX/XXXX payment when my principal balance would be 79.67 % of the " Original Value '' of my home. 

By letter dated XX/XX/XXXX from Cardinal Financial, I received the same information that was sent to me dated XX/XX/XXXX. 

It's like they did not even read my letter and sent me a generic response letter and did not even look at my account to see that I have been making an additional monthly payment of {$1500.00} per month since my mortgage payments began on XX/XX/XXXX.
Product: Mortgage

My loan was sold to Green Tree servicing. I set up auto pay with them and can not get ahold of them to confirm it was set up. It is already XXXX days past my due date and I emailed them before my due date and still have not received any info. Also I have held on the phone for over XXXX mins and still have been unable to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes concerning a XXXX account and Transunion continues to close the dispute reporting it was verified as accurate. The original creditor has supplied statements and account information and it directly conflicts with the inaccurate reporting by Transunion. The latest dispute from XX/XX/XXXX shows that the account has not been updated since XX/XX/XXXX and yet claimed verified. I feel that they are not fully looking into this account and contacting the original creditor directly to look further into the dispute and would like to see how it was verified if they claim it is correct even when the original creditor has provided information that states otherwise. The account also does not align with what is being reported by 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 deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting the US DEPARTMENT OF EDU account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see page attached from my credit report. ) These loans are in deferment. ( I have attached a copy of the confirmation letter from XXXX as well as a letter from the US Department of Education for reference. ) This false reporting of these accounts is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted both the US Dept of ED as well as the bureaus to remove these line items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Barclays Bank account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for XXXX purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX co XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capi Partners, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a payment to XXXX XXXX XXXX only to discover that the account has been closed due to XXXX. I never made any such report. I have the card in my possession. I am fully responsible for all charges placed on the XXXX XXXX. I spoke to a couple of agents about the issued with the card being locked. I am unable to make payments on the balance due. I'm so confused at this point. I haven't received an email or paper statement. I know a payment is dues, so I called an agent to make a telephone payment. Well, I was told they could not accept my payments as the account has been closed because of correspondence from TransUnion. I have always made timely payments and for much more than the minimum balance due. I don't understand why they elected to close the account because I " supposedly reported the card Lost or Stolen '' and Fraud was reported on the account. XXXX  can't seem to explain who made these statements. I had to threaten to speak to a supervisor. Furthermore, she claims that because of the " Fraud '' I am not responsible for the {$690.00} balance. I AM RESPONSIBLE AS THESE ARE MY CHARGES. So, I am sending a payment via my bank today ( XX/XX/2023 ). They can't close an account that has been reported Fraud when a new card has been issued. Therefore, no account to apply the payment to. Again, I am sending payments until the account is paid in full.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Provide Sufficient Verification Notice of Intent to Pursue Arbitration To Whom It May Concern, I am writing to formally respond to your inadequate resolution of my dispute, submitted through the CFPB Complaint Portal. Your response, dated XX/XX/, states that the following accounts have been verified : XXXX XXXX ( Account Ending : XXXX ) XXXX XXXX XXXX XXXX ( Accounts Ending : XXXX and XXXX ) XXXX XXXX ( Account Ending : XXXX ) While you claim to have verified these accounts, you failed to provide specific evidence or documentation to substantiate their accuracy. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a detailed description of the procedures and evidence used to verify the disputed information. Stating that " additional information has been provided '' is vague and does not meet the FCRAs legal standard for verification. 

Furthermore, the continued reporting of these accounts, without verifiable proof, constitutes the following violations : Failure to Conduct a Proper Reinvestigation 1681i ( a ). 
Failure to Ensure Maximum Possible Accuracy 1681e ( b ).

Failure to Remove Unverifiable Information 1681i ( a ) ( 5 ). 
These inaccuracies and your lack of compliance with the FCRA are harming my credit and causing unnecessary distress. 

My Demands : Provide all verification documentation obtained from the furnishers, including payment records, signed agreements, and the specific sources used to verify the disputed items. 
Immediately delete or correct any unverifiable or inaccurate accounts as required by law. 
Should you fail to comply within 15 days of receiving this letter, I will proceed with arbitration to resolve these violations, as allowed under the FCRA and applicable agreements. I will seek all remedies, including statutory damages, costs, and legal fees. 

This letter serves as my final attempt to resolve this matter amicably. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have 2 banks. XXXX XXXX XXXX and AXOS  bank XXXX XXXX  XXXX is a XXXX bank that was over here in the states as of XXXX. XX/XX/XXXX they closed all American accounts and move their focus over primary to back to XXXX. I had a refund that was issued out and sometime between XXXX and XXXX for {$100.00}. I was issued the check I try to mobile cash it which I checked off for mobile cashing on the endorsement part. XXXX declined it. Because it was a reimbursement check. Ive tried to cash the check everywhere with the check cashing place nobody will cash it because it is checked off for mobile cash checking. I try to endorse it under my dads account for mobile checking and they declined it. So I technically have a piece of paper with my name on it saying I have {$100.00} but I cant touch it. Ive contacted XXXX XXXX XXXX 26 times between now and XX/XX/XXXX trying to figure out this resolution. They were telling me that I had to go get a form notarized at the very end of our conversations before they started ignoring me and which I do not have the time to go have a form notarized I was mad they blocked me nobodys replying to my emails Ive sent four other emails trying to get in touch and which I also received a confirmation email when I started a brand new email thread, it never took them a week to reply. Normally 2-3 business days. Axos bank supported XXXX when in the states. The Routing number on the check is Axos Banks routing number. Ive tried to contact them in which one gave me an email address and the email address does not work when I was on the phone with him I repeated back exactly Word for Word letter for letter what he gave me and he confirmed it Ive sent out two emails and both emails came back to me saying that the email is incorrect. Ive tried to contact them three times the second time the representative I was in mid conversation and he hung up on me because I had got the virtual assistant wanting to write the car. So I called back and I spoke to somebody else and I requested a supervisor and hes telling me that theres no supervisor available and I need to contact XXXX which he was not listening to everything I had told him that how XXXX is not responding to me so he puts me on hold and then he puts me to the phone number that tells everybody when you called it XXXX US line but the accounts were closed and then it hung up on me I dont know what to do I have a piece of paper here that has my name on it it has {$100.00} on it and I can not cash it nobody is responding to me Im getting ignored Im getting blocked I dont know what to do. I did reach out to XXXX itself in XXXX, but they told me to contact XXXX since its an American account.
Product: Money transfer, virtual currency, or money service

This complaint is about 1 ) undisclosed fees and 2 ) unfair charges/unfair business procedures that result in a negative cost to the payee to return the money order amount to Western Union for resolution. The payee ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) would be out a negative - {$2.00} for a 13 month old {$50.00} check, if Western Union policies were followed in order to collect on this {$50.00} check. 
Facts ; Western Union money order purchased XX/XX/XXXX in the amount of {$50.00} at a XXXX Grocery Store Agent # XXXX dated again XX/XX/XXXX Transaction XXXX by purchaser XXXX XXXX, ( a retired XXXX Veteran ) XXXX XXXX XXXX XXXX, GA XXXX. 
Check was sent to Payee to repay a debt/personal loan of {$50.00}. 
Check was misplaced for one year. Check was discovered & deposited on XX/XX/XXXX to Payee 's checking account at XXXX XXXX XXXX. Check bounced & payee was charged {$5.00} Returned Unpaid Check by Payee 's XXXX XXXX XXXX. 
Reverse side of check says checks over 1 year old will be charged $ XXXX/mon over 12 mos. Western Union many calls to Customer Service resulted in numerous tasks and online submission of claim affadavit that must be completed by Payee, Printed, Notarized, then Submitted to Western Union office. Payee would be returned {$32.00}, minus a new {$30.00} Administrative Service fee, resulting in a check for {$2.00}.

After a completion of all this, Payee would still be out - {$2.00}, since Payee 's bank charged {$5.00} when Western Union check was deposited on XX/XX/XXXX. 

During the many calls & conversations with Western Union Customer Service today, phone XXXX, we were 1 ) put on indefinite hold 2 ) transferred to ESOL Customer Service Agents 3 ) Instructed that they were unable to hear us our our complaint. 2 times, we were instructed physically dreive to XXXX, GA ( we live in XXXX, GA ~130 miles away ) to try and resolve this issue.4 ) We were instructed to go online to westernunion.com, click on HELP, Write in " How do I request money order refund '', click on Payee, Complete & Print all forms, have all these forms  notarized, make photo copies & keep for our records, Send originals to Western Union as per instructions on website. 
After doing all the above, we were told that Western Union would send a check to Payee XXXX XXXX for {$2.00} ( the amount Western Union felt that were due since their new checks Service Charges are now {$1.00} per month for any checks over 30 days old. ) If you check the back of the enlarged Western Union Money Order sent to Payee, It says that the amount of $ XXXXmonth for any Money Order over 1 year old ( not 30 days old ). 
These type of unfair practices prey on the most needy of our society who can not manage their funds or a checking account. 
Please note, The Payee is not a Veteran -- The Purchaser of the Western Union check is a retired XXXX Veteran who has difficulty managing his money. The Payee is his older  brother who helps him out from time to time.
Product: Debt collection

You are violating my right Experian. How long should i be disputing the fraudulent account in my report before you remove it? Have it removed as soon as possible as i have the right to accurate reporting! 

XXXX XXXX XXXX account # XXXX date opened XX/XX/2016 XXXX
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX : Reference # 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 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am being hit with a hard inquiry on on XX/XX/2018 from capital one which was not made be me and was 100 % fraud. This was not authorized by me. I called capital one regarding this fraud and they put on with there higher representatives.

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
Product: Money transfer, virtual currency, or money service

I have called PayPal 100 Times today trying to disputed purchases In my account and people from XXXX are purposely preventing me from doing so.
Product: Debt collection

This company is stating that I allegedly owe them a debt that was removed from my credit report this year. This debt was sold and this company purchased from a XXXX  of debt. This alleged debt has affected my of obtaining credit and I shouldn't be punished by a company that violated my consumer rights
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit.
Product: Checking or savings account

Signed up for XXXX with XXXX different bank accounts never got the money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened a complaint with CFPB XXXX Chime bank has not provided any proof that they are correct. I've requested a statement with daily balances. Or any statement that shows the money credited to my account. Chime has not provided me or CFPB with any data that supports they credited my account., A hold was placed on funds by XXXX but never charged the account,. Chime removed the XXXX but once XXXXXXXX XXXX hold disappeared the funds were never returned to the account. 

I'm asking CFPB to force Chime to provided me with a statement that shows transactions with a daily balance from the month of XXXX statement period
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX credit report today l realized that ; Citicards reported a hard inquiry on XX/XX/2018 which l have no idea about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off XXXX XXXX i summited my letter from the creditor saying the loan has been paid off but yet every time I dispute it while providing the letter from the creditor, Experian keeps saying that I still owe and the account is verified even though I sent a letter Proving different
Product: Credit reporting or other personal consumer reports

I am writing to highlight the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me, causing significant distress and concern. I have fallen victim to identity theft and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}
Product: Credit card

I bought flooring material from XXXX XXXX XXXX XXXX, XXXX XXXX, NV for {$7900.00} on XXXX XXXX. I cancelled the sale by informing the merchant and CitiCredit card on XX/XX/year>. My real estate broker informed me that the thickness of the flooring material isnt suitable for heavy foot traffic thats the reason I cancelled the transaction. 
I informed CitiCard I did not receive the materials so theres nothing to return. I sent several letters to Citi Card and informed it will be resolved by XX/XX/XXXX. I called early last week it will be resolved within 10 days as of XX/XX/XXXX I havent received any resolution to this issue. The total on the Citi Card including finance charges {$8200.00}. 
Im on social security I cant afford paying more than {$8000.00} for flooring materials I didnt receive.

Citi card case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/2020. The accounts are paid off and they are closed, resulting in an inaccurate credit report.
Product: Debt collection

I have been a victim of identity theft and it seems that this will be an ever ending story. The account XXXX XXXX XXXX was opened fraudulently not by me. I disputed this account on with all 3 bureaus and the account was deleted from XXXX but remained on TransUnion and XXXX. I submitted a police report for these fraudulent account. This has taken toll on my lifestyle and causing a negative impact on my credit file.