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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to follow federal law and honor my police report identifying a fraudulent account that only Equifax is reporting. Equifax before investigated the fraudulent account and removed it after a XXXX investigation from my credit report to now months later begin re-reporting the fraudulent account. 

Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX  XXXX XXXX. The Equifax representative said once received it would be removed again. Instead, it is still being reported, and I received a letter to mail from Equifax in response to the investigation to now mail-in in a copy of my drivers license and social security card ( both of these items were included in the first XXXX disputes ). This is stressful and exhausting the duration that it takes to correct fraudulent information from my credit report. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated, determined to be fraudulent and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

I am mailing in a copy of my social security card and drivers license in response to Equifax 's request and I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent 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 or other personal consumer reports

I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor on the statements provided. 

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error. 

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error. 

The erroneous late payment entries listed below must be promptly updated to accurately reflect my payment history : XXXX. Account XXXX : XXXX XXXX, Account XXXX : XXXX
Product: Debt collection

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} XXXX. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance {$0.00} XXXX. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} XXXXCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX BANK XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Product: Checking or savings account

I know that I was wrongly charged {$19.00} by XXXX on XX/XX/XXXX around XXXX XXXX. Pacific time. I have previously made a complaint about being charged {$1.00} exactly on XX/XX/XXXX for some reason and I have never even heard of you guys before so I would like this taken care of or reversed before I have to go to my bank and take it further, granted it is only {$20.00} however my account is now negative because of you guys so I'm royally XXXX off.
Product: Mortgage

Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home.
Product: Credit card or prepaid card

Called XXXX at XXXX XXXX XXXX and was told to mail my proof to : CAPITAL ONE XXXX. XXXX  XXXX XXXX  XXXX XXXX, UTAH XXXX Re : Rewards Dispute Which I did around XX/XX/20 LETTER I SENT THEM WITH SCREENSHOT OF PROMOTION : APPEALING DISPUTE - NEED REWARD ADJUSTED XX/XX/2020 THIS ( in the screenshot on the page Im providing ) is the ONLY card I applied for and the only offer I want. 
I always take a screenshot in the event something like this might happen. If we can not resolve this, I will be seeking help from the Consumer Protection Bureau.

Please adjust my one time cash reward accordingly, to be {$500.00}, not {$300.00} as they credited me. 

Thank you, XXXX XXXX XXXX XXXX XXXX ( Cell ) Before that I CALLED CAP ONE ON XX/XX/XXXX @ AROUND XXXX XXXX CST. Spoke to EID # XXXX XXXX. She said she escalated this to her supervisor and it should be adjusted by XX/XX/XXXX. Nothing happened. 

Called again and spent 1:47 hours and minutes with no results.
Product: Credit card

I purchased a real estate course under the XXXX XXXX company on XX/XX/XXXX. It was a one-year course. Before completing the course, I complained to the FTC that this company was a fraud. Report number XXXX, name of the report is XXXX XXXX my wife. The FTC recommends calling the Chase bank to report that it was a fraud so I did it. I had paid with 2 chase credit cards. The first was for the amount of {$11000.00} ending XXXX and the second was for the amount of {$10000.00} ending XXXX. I called the bank before completing the year of the course several times and they told me that consumer protection was only 118 days. I complained that it was a scam and that it was a XXXXyear course, they did not want to open an investigation case. Then I called again and they opened an investigation case, where I had to present evidence at a bank branch, I went on 2 occasions and I have the emails as evidence that the information was given. One was on XX/XX/XXXX and the second time was on XX/XX/XXXX because the first time they only opened the case for one of the cards and not for both. The answer was the same that it had been more than 118 days. This scam affected many people and several have received money back from Chase. I currently pay part of the money monthly. Today I called again to ask for help because it was difficult for me to pay due to something that is showed that were fraudulent and I did not receive what I paid, which was more than {$29000.00} dollars. The other credit cards were able to resolve this situation, but Chase could not. Today I was asking for a stop on the billing or put it on hold until I receive my part from the FTC. It has been almost XXXX years paying for something that it was confirmed that is a scam in many states. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting a fraudulent debt assigned to my name by XXXX XXXX XXXX also know as XXXX XXXX XXXX. I have disputed this debt since XXXX 2015 for over a year with Equifax. It is still be verified as my debt even though I have provided Equifax with an identity theft affidavit. I have also provided Equifax with two police reports of identity theft. I have even provided Equifax with the notification to the collection agency to cease and desist. <P/>This reporting by Equifax has ruined my credit and has harmed me irreparably. <P/>I have called and even purchased the credit monitoring service to no avail and still Equifax is stating that my information is being verified by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Mortgage closing missing necessary disclosures and according to XXXX XXXX XXXX, policy listed and paid for through closing but not purchased nor was Settlement Agent of XXXX XXXX XXXX or authorized agent provided. Closing docs provided to XXXX XXXX. Recorded docs of conveyance never seen nor received. XXXX XXXX stated to myself and Previously to CFPB that they weren't aware nor Servicing this loan. I filed claim with XXXX XXXX and finally was contacted by XXXX XXXX department canceling loan however dept hasn't been cleared to date. Received email from attorney that recission was received and accepted by XXXX. Initially began canceling in XXXX continuing to escalate since. Everything must be resolved within XXXX according to cancelation laws. Missing TIL, TITLE insurance policy, purchase agreement, XXXX of right to cancel, XXXX XXXX XXXX, etc... I signed cancelation however, this isn't new information for CFPB. 
This continues to negatively impact my credit and score due to debt being on XXXX XXXX XXXX credit card and different information being provided to each bureau for many accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, XXXX XXXXXXXX and TransUnioon has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 
I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 
Thank you for your time and attention to this matter. 

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

Lexis Nexis has sent me XXXX or XXXX Credit Reports with my XXXX XXXX name and information. The more I complain, the more he is reported as myself and the less my actual name appears. I move the dispute to to XXXX Level. The FIX is to punish me, change my name to his while listing reports in his name belonging to his Credit.
Product: Debt collection

I received a letter from a law firm stating they are representing a debt collector in regards to a loan under my name with a court date to appear or file for judgement would be placed on my name. The letter was sent to us in XXXX and the first court date was in XX/XX/XXXX. It is showing of a loan amount of {$7000.00} that was placed back in XX/XX/XXXXXXXX XXXX 

I went to the court hearing and claimed it was not mine. They changed it to a new date in order to gather information. When I tried to call the law company they were extremely rude and borderline pushy and harassing me over the phone when I was asking for information. I then proceeded to try and call the company they were representing and they refused to give me information unless I provided them with my debit card information and they were going to charge a fee to even look into the claimed account. I did not feel comfortable giving my debit card information to simply try and find out the source of this loan. 

The law firm representing them is XXXX, XXXX, and XXXX. 
The Company in question is LVNV Funding LLC, which came from XXXX XXXXXXXX XXXX which I have never even heard of or had a loan with them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent police report to Experian over 90 days ago along with proof of address an identification. Experian proceeded to block fraudulent item ( XXXX XXXX ) being reported by XXXX XXXX XXXX. Then Experian re reported the fraud item to my credit file an said its nothing they can do since XXXX  XXXX said they had valid info to prove its my account which is not true. I have never done business with XXXX  XXXX or even been contacted by them.
Product: Credit card

I used the XXXX XXXX credit card from Chase, and the XXXX app on my phone to reserve the XXXX XXXX XXXX in XXXX, Ohio for a 4 days stay from XX/XX/XXXX - XXXX at a rate of {$70.00}. My king room had problems upon entry so I was changed to a queen room for those nights. The queen room had issues so they sent Maintenance up to fix them. The invoice I received says the reservation rate was honored for the first XXXX nights, then raised to {$74.00} for XXXX nights, adding {$7.00} + 18 % ( XXXX ) tax to my bill charged to my card. On XXXX XXXX, I called and spoke with the hotel receptionist, then left a voice mail for General Manager XXXX XXXX. She never called me. I also filed a complaint with XXXX customer service ( ID # XXXX ) with XXXX for reservation XXXX. He said he would forward my complaint to the General Manger of the hotel and I would receive a response within XXXX hours. I have yet to receive a response. A week ago, I wrote a hotel review of the problem and submitted it to XXXX ; they informed me they published it without responding to my issue. If they can not refund me the overcharged amount of {$8.00}, then I can file a credit card complaint through Chase and XXXX for a full refund since they did not live up to the reservation of a king room. They should have moved me to another king room.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XXXX this showed up on my XXXX XXXX report the next morning- reporting from XXXX. 
JPMCB on XXXX this showed on my XXXX XXXX  report the next morning - reporting from XXXX and XXXX. 
I have placed a fraud alert and a freeze with all XXXX credit bureaus. I have spoken with Chase and requested for the hard inquiry to be removed from my report. They accepted and said they would. 
I need more information on how to protect my identity and social.
Product: Checking or savings account

Being XXXX XXXX and always having sufficient funds in my account I would still be charged over draft fees while making purchases. Or when transferring money from other services like XXXX XXXX, XXXX or XXXX  Id get a notification it was available to spend while it wasnt. Its happened a countless amount of times through my past XXXX years using navy federal.