23daVinci/CFPB_Complaints huggingface dataset:
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, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 
XXXX  Account # XXXX XXXX XXXX XXXX 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: Debt collection

I tried to use XXXX internet service at my new location. I was sent their gateway device and hooked it up on XX/XX/2022 but I could not get service / signal. I tried to cancel the service from XX/XX/XXXX through XX/XX/2022 but XXXX customer service as well as 2 stores said they can not cancel. On XX/XX/2022 I asked the sales rep how I can get the service cancelled. For the next week I made numerous attempts to cancel but every attempt was refused by XXXX by unethical tactics... transferring me to another call center rep to start over, telling me they would call me back, hanging up on me, saying that only the initial sales rep could cancel, saying they could not verify me and finally lying that it has been cancelled and there would be no charges. However they still had not sent me the return label for their device so I stopped at a store to get a label and was told the account was still open and that only customer service could cancel. I immediately sent everything back to XXXX and again called customer service. I have spent well over 6 hours on the phone over a several week period trying to cancel the service and have repeatedly been told the account was cancelled and I owe nothing. However I was still sent a bill and weeks later I got a call from collections saying I owed money for the days I had used the service. I disputed this because I never had service/ signal in the first place and have been trying to cancel since 8 days after I received their gateway device. I was also told this would not be reported to credit bureaus until I heard back from XXXX about my dispute. I never heard back but just found out a claim was filed with the credit bureaus. I called XXXX customer service and was again told the account is closed and I owed nothing. So I called the collections agency who said I now owe {$92.00} instead of the original {$140.00}. I told them I am disputing the charge again because I never had service and they refused to cancel the account. XXXX 's unethical practices has cost me many hours of my time and damage to my credit report. I am enclosing a pdf of my conversations with the sales rep showing my attempts to cancel.
Product: Credit reporting

I filed for divorced two year ago and my estranged husband knows my information created an Equifax without my knowledge or constant. Equifax never asked me or let me know anything. I just found out yesterday when I wanted to check my credit on Equifax and tried to make an account. It said an account was already made and it was his relative 's email address that was registered. Equifax would n't disclose the credit card number or name on the person who ordered. I am upset that anyone can pretend to be me and order my credit report without me ever finding out. I called all the credit agencies and put it on lock and fraud alert. I went to the police station and made a report.
Product: Money transfer, virtual currency, or money service

I am lodging a formal grievance against Cash App ( Block , Inc. ) for substandard customer service and inequitable practices that contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App demonstrated a failure to implement prompt and effective safeguards against fraudulent activity, thereby rendering my account exposed and inadequately protected.

Moreover, their dispute resolution process was both inequitable and misleading, as it failed to adhere to the error resolution mandates stipulated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These deficiencies have caused considerable inconvenience and financial detriment, and I am seeking appropriate restitution for these violations.
Product: Debt collection

I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. XXXX XXXX  XXXX As a consumer, I firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a swift resolution and the restoration of my financial stability and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting on my credit file and I have never had an account with them. My name is very common and I often have issues with Mixed files. 
I called XXXX XXXX and was on the phone for over an hour and they can not find me in their system under any of my information. They also agreed that maybe it is another XXXX XXXX that is accidentally reporting on my credit or this is fraud. I need this removed as there is nothing you have on file with my information.
Product: Checking or savings account

I noticed multiple high dollar XXXX XXXX  purchases. All of them are {$490.00} and above. Some close to {$900.00}. I use XXXX XXXX for small purchases with splitting dinner with friend, concert tickets etc. I only ever log into my account to XXXX money. I dont pay close attention to my balance until XXXX day I realized it was very low. 

The dispute was placed on XX/XX/2023. The Fraud took place all throughout XXXX and most of XXXX. The total amount is {$8700.00}. 

I have reached out to XXXX XXXX ( very hard to speak with someone there ) they finally emailed me and said because that money was sent through XXXX it was untraceable. So someone was stealing money from my bank and funneling it through XXXX XXXX and I assume sending XXXX ( untraceable ) to themselves. 

I reached out to Wells Fargo and my claim was denied. I asked to escalate, but they said there is nothing I can do. They wont even let me open up another dispute. 

They asked me when not all the XXXX XXXX transactions were Fraud. And I admitted to using it to pay and receive money from friends. The person committing the fraud used large transactions. {$490.00} being the smallest. Those were the ones changes to XXXX and sent to who knows?. 

Please please help. I had rent due on XX/XX/XXXX. My birthday is XX/XX/XXXX and instead of going to dinner with friend XXXX embarrassed to leave the house with {$60.00} to my name. 

Let me know what more information I can provide. 

Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

5 U.S C Code 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, unless the creditor has adopted reasonable procedures designated to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mail or delivered to the consumer no later than 21 days before the payment due date.

15 U.S.C 1681a ( 2 ) ( B ) can not report containing solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 16 U.S Code 1681A 2 ( A ) transactions are not included in the consumer report Please remove This late payment for XXXX XXXX for XX/XX/2023 And update this account immediately to paid as agreed as you are in direct violation of several laws under The fair credit reporting act.
Product: Money transfer, virtual currency, or money service

My son sent me {$650.00} last month. PayPal has blocked me from gaining access to the account. I called & spoke with a person claiming to be XXXX ID # XXXX then called again & spoke with a person claiming to be XXXX ID # XXXX who both claim that NO SUPERVISOR was available since they were working from home. They would have to send an email & a supervisor will contact me within 24 hrs or more. Terrible customer service. In addition, their website is not user friendly!
Product: Debt collection

These people are rude and unprofessional they did not want to help me at all they hung up in my face when I simply ask to speak to supervisor they threaten me and told me this wold XXXX XXXX my credit they are called XXXX XXXX XXXX I never stayed there never will stay there they refuse to delete this off my credit report doing high pandemic times it has effected me rapidly with great financial hardship they refuse to comply.
Product: Debt collection

Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  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 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 those account 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  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 XXXX 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

I am writing to formally dispute certain information on my credit report, as I believe it to be inaccurate and a result of negligence on your part, which has caused damage to my credit standing. This letter serves as my notice of dispute and request for investigation in accordance with Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds consumer reporting agencies civilly liable for negligence in maintaining accurate and updated information.

I request that you thoroughly investigate these items and provide me with a response in writing, including an explanation of any corrections made. I would also appreciate it if you could provide me with the name, address, and telephone number of any sources used during the investigation.

As per the FCRA, you are required to ensure that the information in my credit report is accurate and up to date. Failure to fulfill these duties is a violation of the law, and I am invoking my right to seek damages as per 15 U.S.C. 1681o, which provides for civil liability in cases of negligence in the handling of consumer information. 

Please confirm in writing that this dispute has been initiated and provide a timeline for the completion of your investigation. I also request that you send me a corrected copy of my credit report once the dispute has been resolved. 

Thank you for your prompt attention to this matter. I look forward to your swift and thorough resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from XXXX.
Product: Credit reporting or other personal consumer reports

there are items on my credit report that is more than 10 years old. I asked for a copy of the contract and never got a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed this fraudulent account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED XXXX XXXX XXXX XXXX WITH A BALANCE XXXX XXXX THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
Product: Credit card or prepaid card

I was recently a victim of credit card fraud in the amount of {$180000.00}. Of this total, {$42000.00} was not refunded to me. Unauthorized withdrawals were going from my bank account at XXXX XXXX XXXX XXXX, to my credit card company XXXX Barclays XXXX XXXX. When i realized the automatic withdrawals being taken out of my bank account were in excess of my credit card bills, and more frequently than my normal payment schedule, i spoke to my bank. They were able to research and figure out where the money was going to and why. However they only reversed a portion of the unauthorized transactions. They then told me to take the rest up with my credit card company. When i contacted my credit card company they told me they can not help me and i would have to take it up with my bank. So no one wants to help remedy this and I am at a lost of a significant amount of money, {$42000.00} Dates and amounts of transactions that were taken from my bank account without my authorization : XXXX {$13000.00} 2. XX/XX/XXXX {$9000.00} 3. XX/XX/XXXX {$4100.00} 4. XX/XX/XXXX {$11000.00} 5. XX/XX/XXXX {$12000.00} 6. XX/XX/XXXX {$6400.00} 7. XX/XX/XXXX {$5000.00} 8. XX/XX/XXXX {$8300.00} 9. XX/XX/XXXX {$9700.00} 10. XX/XX/XXXX {$12000.00} 11. XX/XX/XXXX {$7100.00} 12. XX/XX/XXXX {$2000.00} 13. XX/XX/XXXX {$4000.00} 14. XX/XX/XXXX {$6000.00} 15. XX/XX/XXXX {$7100.00} 16. XX/XX/XXXX {$7500.00} 17. XX/XX/XXXX {$6000.00} 18. XX/XX/XXXX {$11000.00} 19. XX/XX/XXXX {$7800.00} 20. XX/XX/XXXX {$5000.00} 21. XX/XX/XXXX {$8300.00} 22. XX/XX/XXXX {$9700.00} My bank reversed only some of the transactions listed above, however the following transactions were not reversed : 1. XX/XX/XXXX {$11000.00} 2. XX/XX/XXXX {$7800.00} 3. XX/XX/XXXX {$5000.00} 4. XX/XX/XXXX {$8300.00} 5. XX/XX/XXXX {$9700.00} I am reaching out to you because neither my bank, nor my credit card company will reverse these unauthorized transactions, resulting in a total of {$42000.00} stolen from my account. The bank and my credit card company have left me with no one to turn to, please help me get my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reportedly submitted a voluntary repossession to all three credit bureaus Equifax, XXXX, and XXXX without obtaining my written consent to share this information. On XX/XX/2020. This situation has caused significant hardships for my children and me, resulting in homelessness for the last 1 and a half years. As per my understanding of 1681b, the permissible purpose of consumer reports dictates that a company can only provide such information if subpoenaed by a federal judge, which was not the case here, and if they possess written consent from the consumer, in this instance, myself which they do not. 

Due to these circumstances, I urgently request the removal of this entry from my credit report. The presence of this item has not only hindered my housing prospects but also affected my ability to secure employment, thereby jeopardizing my ability to provide for my family. 

Moreover, I have noticed discrepancies in my credit history across the three bureaus. While XXXX lists one late payment, Equifax indicates two, and XXXX reports twenty-four late payments. Given that this data originates from the same source, the disparities are perplexing. I believe this misleading information should be expunged. I have attached a screenshot illustrating these inconsistencies. 

Furthermore, I've noticed that the account is marked as " closed/charged off. '' However, I'm perplexed by the consistent addition of late payment entries each month. My understanding was that a " charged off '' status implies that the creditor has written off the debt as unlikely to be collected. Given that the account is closed, I expected the total amount to remain constant. Could someone clarify why the total amount continues to change on a monthly basis? 

I kindly request your prompt attention to this matter and appreciate your immediate response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga,XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax XXXX XXXX XXXX are reporting inaccurate information in my credit report and they are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I have discovered that the information being reported on my credit file by TransUnion, XXXX, and XXXX is inaccurate and has been wrongly verified as correct multiple times. This ongoing failure to correct the errors, despite clear evidence to the contrary, violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 ( a ) ( 1 ), which mandate that credit bureaus and data furnishers report only accurate information. 

I have attached documentation that irrefutably proves the errors, yet the bureaus continue to verify the information as accurate. This negligence is damaging my credit profile and is in violation of the FCRAs accuracy and investigation requirements. I demand that this inaccurate information be removed from my credit report immediately to reflect the truth. 

Please address this issue immediately, as continued misreporting will result in further violations of federal law.
Product: Checking or savings account

Suncoast went in to my account and took XXXX dollars for what they called an NSF fee becuase my account didn't have enough money. I have other accounts they could of used to pay these. I'm a small struggling business just trying to pay my bills and this bank wants to charge me XXXX dollars becuase I couldn't afford too pay those bills? How does that make sense? If there wasn't enough money to pay those bills what makes them think I can afford to pay nsf fees on top of the bills I couldn't pay in the first place? Thats absolute insanity and it's theft to say the least.
Product: Money transfer, virtual currency, or money service

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 an 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

I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to Equifax and XXXX. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. 

I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.