23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 owe over {$7000.00} toward a Westlake company used for cars and another {$1000.00} for apartments i do not reside at. I noticed these inquires today XX/XX/2023 and it seems like someone has a hold of my account and I want these off my record. Ive called within XXXX and XXXX XXXX mentioned to navigate here and file a complaint.
Product: Money transfer, virtual currency, or money service

I sent payments to an end user for a business website creation and business social media creation which will be linked together. The end user who received my payment on this platform advised the services would be completed by XX/XX/XXXX, then pushed the date to XX/XX/XXXX, pushed to XX/XX/XXXX and finally on the XX/XX/XXXX he pushed it back to XX/XX/XXXX. The service was never rendered, and the end user blocked my calls. I did some investigation of the person 's name and found out he was a scammer and has embezzlement charges. I submitted a claim with the federal trade commission and Crime stoppers. I advised this to cashapp and provided them with all the details and they refused to assist at all. They advise they refuse to assist or to punish the scammer. He is still active on cashapp and he never provided my refund. I am out of {$5000.00} and no assistance was provided from cashapp whatsoever. The person has previous impersonating, embezzlement, and scamming charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my Equifiax credit report and noticed that one of my 'associated addresses ' is invalid. I have 3 addresses associated with my Equifax credit report : 2 are in New Jersey and 1 is in Texas ( zip code = XXXX ). 

I have only lived in New Jersey and I have never lived or held an address out of New Jersey. I contacted Equifax to remove the associated address for Texas ( zip code = XXXX ). Equifax has not yet responded to my inquiry. However, I am also making this complaint here. 

Let me know if you have any questions in order to proceed or verify my account/personal information.
Product: Credit card

I applied AMEX platinum credit card through promotion offer. The offer term is receiving XXXX AMEX reward points after spending XXXX dollars within 3 month of card opening. I did my spending using AMEX card and achieved the spending requirement within 2 month of card opening. I received the reward points on XXXX XXXX 2016. However, AMEX freezed the point from using and deducted the XXXX points from my account on XXXX XXXX 2016 without providing a satisfactory explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the 3 credit bureaus XXXX, XXXX, and TransUnion. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and XXXX more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and TransUnion removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00}XX/XX/XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX XXXX {$430.00} XX/XX/XXXX XX/XX/XXXX {$2600.00} XX/XX/XXXX XX/XX/XXXX {$1900.00} XX/XX/XXXX XX/XX/XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XX/XX/XXXX
Product: Payday loan

ADVANCE AMERICA WITHOUT WARNING WAITED OVER 1 YEAR TO SUBMIT CHECK FOR PAYDAY LOAN CAUSING MY ACCOUNT TO GO NEGATIVE. THEY CASHED A CHECK ON XX/XX/XXXX THAT I WROTE ON XX/XX/XXXX AGAIN WITHOUT WARNING.I AM CURRENTLY XXXX AND TOLD THEM AT STORE IN XXXX INDIANA AND GOT A DONT CARE ATTITUDE.I UNDERSTAND THIS NEEDED TO BE PAID BUT INSTEAD OF WORKING WITH ME THEY CREATED A MESS WITH MEDICATION ETC. BY OVERDRAFTING MY ACCOUNT WITHOUT WARNING.THESE PRACTICES ARE DONE BY XXXX MANAGER AT XXXX INDIANA STORE.
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 FLEX FINANCE 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: Prepaid card

XXXX unauthorized transactions were on my card XX/XX/XXXX. I have called everyday since then to dispute these charges. I even sent an email to the dispute team on my own. I just want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

This reason I am filing this complaint is to request an investigation into XXXX XXXX XXXX mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that XXXX XXXX XXXX correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.
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 Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX  Reported on XX/XX/XXXX, XXXX XXXX XXXX Reported on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Reported XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX  Reported on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXXXXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX Reported on XX/XX/XXXX, XXXX Reported on XX/XX/XXXX, XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/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. 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 knowns or has reasonable cause to believe that the information is inaccurate. 


The following personal infromation is inaaccurate, please remove XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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: 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 proces-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

Experian credit reporting refuses to investigate my certified mail that reflected for Experian to verify my signature of documentation associated with the account { XXXX XXXX }, certified mail was delivered on XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 registered letters to XXXX, Experian and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion XXXX opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if XXXX contacted, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Debt collection

I have a letter from the company stating that my payment at XX/XX/2017 was going to be {$110.00} and I was charged {$120.00}. <P/>I have copies of the charge on my bank account and also a copy of the letter that the company sent me.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see incorrect accounts on my credit report. Im at a complete loss as to how this happened. I check my report regularly, but today, it was completely off with unexpected discrepancies. I refreshed the page thinking it could just be a browser error, but the wrong accounts were still there. Im pleading for the documents I submitted to be thoroughly examined so I never have to face this nightmare again.
Product: Debt collection

The Lending Club NA has been reporting a Negative Record on my FICO report through XXXX XXXX, XXXX  and XXXX for a Charged Off amount of {$10000.00}. It was most recently updated by them in XX/XX/2021. This is hurting me tremendously by way of this negative record lowering my credit score, while I am trying to refinance my home. 

I have made attempts to contact them at XXXX XXXX XXXX XXXX. In my effort to gather details about this, agents at this phone number are stating that they do not have a record of this account because it has been sold to a company called XXXX. They provided a phone number of XXXX to gather details. When i called this company, they informed me that this account is NOT KNOWN to them. 

This is extremely frustrating. An account of this size reporting as a NEGATIVE to all three credit bureaus, is causing me great harm and needs to be DELETED FROM MY CREDIT REPORT AS QUICKLY AS POSSIBLE. 

These debt sellers and debt purchasers should not be allowed to abuse consumers in this way.
Product: Checking or savings account

This is recurring a recent check that Ive deposited to my business Account, and this transfer is on hold because its kind like a 3rd party check. The reason why i deposited this check because its authorized from the payable payee, which this check is to given to, and on the back of the check, which have includes the written and signature includes that this check have authorized payable to My account. I have try to ix this issue with my bank, but the bank have place this hold on my account full access!! This is unfair to me, becuase theres many others deposit on my account, such as cashier check that i just deposited into my account, and the bank have put this holds on my fully account access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spent months and months on service for XXXX XXXX XXXX which is now Experian and a top supervisor at Experian XXXX XXXX, XXXX simply told my husband that this is only a product. It's not an accurate report and it's not reliable. My husband also verified incomplete information and contradicting reports from the product and the regular reports.
Product: Mortgage

I have called more than XXXX  times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} XXXX paid since XX/XX/XXXX. XXXX XXXX dollars! 
Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes XXXX business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the XXXX funds that have been submitted by XXXX????
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, it hasn't being authorized by me and has to be removed. 
XXXX XXXX - DATE : XXXXXXXX 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

Bank of America refused to debit my XXXX XXXX Bank Account and then charged me a late fee. I paid the late fee and despite numerous calls, Bank of America will not debit my XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting at XXXX Account XXXX XXXX XXXX loan 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX  XXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to the Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, 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.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, etc.
Product: Student loan

XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.
Product: Credit reporting or other personal consumer reports

Equifax provides a service called XXXX for {$19.00} which allows you to monitor your credit report among other things. I have not been able to acquire my Equifax report through my Equifax account and was told there was a known technical issue that was being worked on. 
I have spoken to XXXX customer service techs who follow the same routine to say they have escalated it to tech support and I will hear back in XXXX days. Meanwhile, I am paying for a service that does not work. 
My last call was to billing who told me they can cancel my account but can not give me a refund for my XXXX month even though they never provided me with the services I paid for.