23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block inc ) Due to inadequate costmer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to address and prevent fraud on their platform leaving my account on vulnerable and unprotected. Furthermore they're dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the Electric fund transfer act ( EFTA ) and regulation E. These actions has 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

On XXXX XXXX, 2017, I found out by social media that Equifax was hacked and had almost 143 million Americans ' personal information compromised. I checked on Equifax 's site and saw that I was one of the affected. I went ahead and froze my credit accounts for all four credit bureaus ( Equifax, XXXX, XXXX, XXXX ), as well as place a 90-day fraud alert on my accounts. 

I am very disappointed in Equifax. For a company to carry such crucial information and to not have any proper safeguards to prevent against such an incident is improper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled car insurance with XXXX in XX/XX/XXXX. I obtained coverage with XXXX. XXXX continued to bill me through XX/XX/XXXX and cancelled non pay. The debt was sent to XXXX XXXX XXXX Opened XX/XX/XXXX - {$140.00} Original creditor : XXXX XXXX XXXX After applying for a mortgage and being denied I contacted both XXXX and XXXX XXXX I sent a copy of my XXXX documents since XX/XX/XXXX and disputed it with TransUnion they have denied my dispute as a valid charge even thoug XXXX day the it is a XXXX balance due to having coverage with XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE :  XXXX Policy Number XXXX issued by XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX : Thank you for speaking with me. This letter is intended to confirm our conversation on XX/XX/XXXX regarding the status of the billing adjustment on your cancelled auto policy after receiving proof of other coverage effective XX/XX/XXXX. As we discussed, we now have on record that the account is closed with an ISO balance of {$0.00}. With this information, I will send another notification to our collections department to inform them of this. If we may be of further assistance, please do not hesitate to contact us Sincerely, XXXX XXXX XXXX XXXX Gold CSR XXXX cc : XXXX
Product: Credit card or prepaid card

XXXX XXXX  company summit and application without my consent to a Greensky with fraudulent signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my credit report. This is a list of accounts that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I did not give the Consumer Reporting Agencies Permission to report, NO PERMISSIBLE PURPOSE, it was not disclosed to me that I can opt out of having my information reported, and I am writing to you to EXERCISE THAT RIGHT.

Account name and Account number : these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 your laws 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 ( b ) ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 ( c ) ( a ) ( 5 ) 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 ) 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.

Please delete these inaccurate information off my credit report immediately. 
















































































































-
Product: Credit reporting or other personal consumer reports

today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX  their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX credit bureaus.
Product: Debt collection

My former landlord The XXXX at XXXX XXXX, MD reported an outstanding balance to a debt collector agency called Hunter Warfield. The landlord has not contacted me for the payment before. But the amount is correct and I am happy to make the payment. 
But their collection agency sent me a mail a month ago. They said they will contact for instructions on payment via check. But instead of sending me the instructions, they have been harassing me on the phone. I never received any instructions by mail. One person who called me from the agency forced me to provide my credit card details on the phone. And he threatened me for not paying by credit card. I told him many times that I am happy to pay via check. He refused and hang up on me. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Im submitting this complaint for myself and there is no third party involved. I am XXXX years old and I am trying to better my life by getting credit cards and buying a car and getting a job. I want to be a self-sufficient adult and now I have to suffer because someone else stole my identity. This has been hindering me for too long and Im XXXX  over it! I am writing to delete the following information off of my file. The items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report because I am a victim of identity report and have no knowledge of the negative impacting items. I reported the theft of my identity to the federal trade commission and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Having these incorrect items on my credit report is hindering me from becoming successful in buying a house and purchasing a new car. Please delete these items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXXXXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance - XXXX XXXX Balance - Bankruptcy : Discharged XXXX Reference Number XXXX Amount :
Product: Credit card or prepaid card

I was offered a BestBuy Credit Card on XXXX XXXX  with a credit limit of {$2500.00}. 
and The Home Deport Credit Card on on XXXX XXXX XXXX. I was making payment till I lost my job. Then I fell behind in payments. 

I reached out to the bank to negotiate settlement, but the bank refused to respond to my letters. I have tried several times without success. I send letters via USPS certified mail to negotiate settlement, but the Citi Bank N.A. will not respond. There are proofs that the letters were delivered. See attached. Now they send multiple Attorneys and
Collection agencies to harass me. Several agencies claim the same account has been assigned to them. I do not know if they are scams or not, because the Citi Bank NA will not respond to my letters. See attached. 

Citi Bank has not informed me that the accounts have been sold or assigned to any debt collector agency. There is no document to show that the accounts were assigned to any of these collection agencies. So, I do not know whether these collection agencies are genuine or scammers. 

I have also found several irregularities on the Credit Card applications and account statements which might be violation of Federal Laws : 1. The Loan application shows that my annual income was {$7000.00} ( XXXX  XXXX XXXX Dollars ). How was I approved for a credit line of {$2500.00} ( XXXX XXXX XXXX XXXX dollars ) with an annual income of of {$7000.00}? 
Ability To Repay ( ATR ) was neglected. 

2. Interest and fees were capitalized to capital balance and interest charged on the balance thereby charging interest on interest and fees. This is compound interest which I believe is illegal. 

3. At a time when the Credit Card utilization was at 85 %, the bank increased the credit limit by 44 % without my request for increase of credit limit. Please see more details attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX noticed unauthorized inquiry on my report. I immediately called transunion and they did not delete. This is causing me stress as I am applying for a mortgage. Please delete immediately.
Product: Checking or savings account

XXXX bank did the same thing with their high interest savings account as XXXX XXXX XXXX. The advertised high yeild and froze interst rate at lower rate when rates increased. Offered new accounts higher advertised rates but would not provide to existing high yeild account customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX SYNCB/Lowes # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX RE : Credit Dispute Resolution from XXXX Credit Report Dear Sir/Madame : My name is XXXX XXXX . XX/XX/XXXX my credit report shows 30 to 60 to 120 days late on a charge of less than {$100.00}. The Lowes Credit is always good paid full. I bought a washer and dryer totaling over {$1900.00} from Lowes ; paid it in full with no problem. 
It appears a charge was put to me in XXXX XXXX for less than {$100.00}. I would never let such a small amount of money ruin my credit, as it has. 
I did not make this charge. No matter, I will pay it now to save my credit. 
As this negative information is preventing me from gainful employment I would like to request that it be removed from my XXXX credit bureau reports. 
Please contact me. 
Humbly Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : 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

After a thorough review of my credit reports from all major credit bureaus, I have identified multiple inaccuracies that have adversely affected my ability to obtain credit. I am requesting a detailed review to ensure my credit profile complies with fair credit reporting laws. TransUnion, XXXX, and XXXX have a duty to ensure that my credit reports are accurate.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Transunion, XXXX This letter is a follow-up to my previous correspondence dated XX/XX/2024 regarding inaccurate information on my credit report. In that communication, I disputed the following items : Late payment on account number XXXX on XX/XX/2024 there was a late payment posted on my account where i was never late Federal law, under the Fair Credit Reporting Act ( FCRA ), requires you to investigate disputes within 30 days of receiving them. As of today, XX/XX/2024, I have not received any response regarding my dispute. 

I request that you immediately investigate this matter and take the necessary steps to correct the inaccurate information on my credit report. Please provide me with a written update on the status of my dispute within 10 business days of receiving this letter. 

For your reference, I have enclosed a copy of my previous correspondence and any supporting documentation I submitted with my initial dispute. 
Cfpb Account # XXXX Thank you for your prompt attention to this matter. 

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

The following accounts are reported on my credit report. 
I have disputed and submitted in my IDENTITY THEFT report to XXXX, Equifax and XXXX. And they are not following the following listed code.

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Checking or savings account

I purchased this savings certificate (XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX) in the amount of $XXXX on XX/XX/XXXX for my son, XXXX XXXX at XXXX XXXX XXXX in XXXX, PA. Certificate #XXXX. Since the purchase of this savings certificate, the bank has undergone many mergers: •	XXXX taken over by XXXX XXXX•	XXXX taken over by XXXX XXXX XXXX XXXX•	XXXX taken over by XXXX XXXX•	XXXX taken over by Wells FargoI have the original savings certificate which is a certificate that is an auto-renewal certificate in which the interest is capitalized annually. It states on the certificate that it is payable only upon presentation of the original certificate, which I have in my possession and have never presented it for a cash out.I have been speaking to XXXX XXXX at Wells Fargo Bank who has been assisting me to redeem this certificate and I’m told that they cannot cash it because they do not have any record of it, which they should. We have had a continuous account with all of these banks over thirty years and still maintain an account with Wells Fargo. They should have a record of my certificate and be able to cash it on its redeeming date. I have demanded payment with interest for this certificate upon its renewal.
Product: Credit reporting or other personal consumer reports

Sychroncy bank has been accessing my credit file without permission, and took adverse actions against me based on these violations. i have several accounts with them and they proceeded to us my non public information against me, which is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i am filing a complaint agianst equifax for failing to properly investigate disputes regaurding inacciuracies in my credit report. despite my submissions, equifax respondswithin XXXX hours stating ther account is accurate, without providing any evidence of a thorough investigation. this practice violates the fair credit reporting act ( FCRA ), 15 USC 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ) 12 usc 5536 ( a ) ( 1 ) ( a ) - ( b ) as highlightedin the CFPB 's recent administrative proceeding ( file no. XXXX agianst them for similar violations. I request that the CFPB take action to ensure equifax complies with federal law and provide consumers with the necessary proof of investigation. 


accounts XXXX XXXX XXXX XXXX XXXX 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

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the issue of the late opening of my account with [ Company Name ]. Despite multiple communications and efforts on my part to rectify this matter, it remains unresolved, causing significant inconvenience and dissatisfaction. 

As a loyal customer, I expected a higher level of service and efficiency from your organization. However, the prolonged delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to conduct my financial affairs smoothly. 

I have made several attempts to resolve this issue by contacting your customer service department, providing the necessary documentation, and following up diligently. Regrettably, these efforts have not yielded a satisfactory resolution, and the issue persists. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the late opening of my account. Timely resolution is essential to restoring my confidence in your company and ensuring a positive customer experience. 

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Please understand that further delay or negligence in addressing this complaint will compel me to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an entry to my credit report from XXXX XXXX to EXPERIAN ( XX/XX/19 ). They reported me DECEASED ( BOTH XXXX AND EXPERIAN ), and  sent my information to an agency called XXXX which notified me I was dead. I immediately called them and reported I was not deceased and they would report this to XXXX XXXX ( XX/XX/19 ). I tried to contact XXXX XXXX on numerous occasions, by telephone and via internet, and could get nowhere since they said my account was closed.. I was contacted by XXXX XXXX , XXXX . ( and was successful in negotiating a settlement with them for NO LATE FEES, and only monies owed to XXXX ). The amount paid was {$1600.00} against an XXXX LATE FEE BALANCE OF {$3200.00} Terms of the settlement with XXXX was ( 1 ) remove the DECEASED from the credit report ; ( 2 )  REINSTATEMENT of the long-standing account at XXXX ( XXXX year opened ), and ( 3 ) no income to me on a 1099 at year end since this was XXXX error. Experian concluded their report with no change, XXXX took the payment, and our credit report still remains DECEASED with a charge off of {$3200.00} to XXXX XXXX