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

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My indigo MasterCard had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new XXXX XXXX weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum MasterCard with the XXXX XXXX dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request XXXX pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra XXXX bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I sent a Account Validation letter to Hunter Warfield and it was received in there office on XX/XX/2020. Hunter Warfield is reporting a debt on my credit report and they keep reporting that the balance increase by {$1.00} and then decrease by {$1.00}. They are blatantly attempting to re-age this account and keep it on my credit reports and this is a clear violation under the FDCPA. The information they sent me is not showing where this is my account. That is not an address that I am aware of residing.
Product: Debt collection

On XX/XX/2021 My mother received a voicemail concerning a debt held in the amount of XXXX dollars in my name. The autodailer left a voicemail discussing the details of my debt. I was instructed to call XXXX to resolve this debt or go online to https : //www.directrecoveryservices.com/ to arrange payments. This is all recorded with the exception of the dollar amount. I called there XXXX number and told them what they just did and how it violated the Fair Credit Reporting Act, the person hung up immediately. Very unprofessional. Now my mother is concerned, I am embarrassed, and these people have made no effort to even apologize. I have a copy of that voicemail, this company should be ashamed.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX - XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

am writing to file a formal pre-litigation dispute against XXXX and Equifax for their continued inaccurate reporting of an account on my credit reports. Despite numerous attempts to have this account deleted, it still remains incorrectly listed. The details of the account are as follows : Account Name : XXXX XXXX {$13000.00} Dispute Reason : I have repeatedly provided a copy of the 1099 form indicating that the debt has been forgiven. This documentation has been ignored by both XXXX and Equifax. The account should reflect a XXXX balance, as the debt was forgiven and claimed on my taxes. 

I am requesting deletion of this account one final time before proceeding with litigation for violations of the Fair Credit Reporting Act ( FCRA ). I am including a copy of my credit report showing that Equifax reports the balance as XXXX, along with the 1099 form once again. 

Please ensure that this account is deleted for all inaccuracies. Failure to address this issue will leave me no choice but to seek legal remedies for the damages caused by this continued inaccurate reporting.
Product: Checking or savings account

FORMAL DEBT DISPUTE LETTER ( For Overdrawn Account Bank of America Due to Unauthorized XXXX XXXX XXXX Charge & XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute XXXX XXXX XXXX XXXX Account Overdraft Dear Bank of America Dispute Department , I am writing to formally dispute the charge that resulted in my account overdraft of {$8400.00} on my Bank of America account XXXXXXXX XXXX XXXX This charge is completely unauthorized and should not have been processed, as I had XXXX XXXX insurance coverage for the transaction in question. 

Details of the Disputed Charge : Merchant Name : XXXX XXXX XXXX Transaction Date : [ Insert Date ] Transaction Amount : {$8400.00} Reason for Dispute : Charge was not supposed to be applied due to my XXXX XXXX insurance coverage for an accident. 
Why This XXXX is Invalid : I had active XXXX XXXX insurance coverage at the time of the incident, which should have covered the costs associated with the rental. 
XXXX XXXX XXXX improperly charged my Bank of America account instead of processing the claim through XXXX XXXX. 
I did not authorize this charge, and it was applied in error or against standard claim-processing procedures. 
Requested Resolution : XXXX reversal of the {$8400.00} charge and correction of my account balance. 
Confirmation that this transaction has been removed from my account records. 
Correction of any negative reporting to credit bureaus due to this issue. 
I request that this matter be investigated and resolved promptly. If necessary, I am prepared to provide supporting documentation, including : Proof of my XXXX XXXX insurance coverage at the time of the incident. 
Correspondence with XXXX XXXX XXXX  showing their error in processing the charge. 
Any relevant statements from Bank of America reflecting the disputed transaction. 
Please confirm receipt of this dispute and provide an update on the status of your investigation within 30 days as required by the Fair Credit Billing Act ( FCBA ). Failure to resolve this matter may result in further actions to protect my rights. 

I appreciate your immediate attention to this issue. Please contact me at [ Your Phone Number ] or [ Your Email ] if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern/TransUnion, After reviewing my consumer file I noticed the following accounts reporting in INACCURATE error. Please DELETE these accounts immediately : ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX : ) Closed ( XXXX : ) Closed ( XXXX : ) Closed ( XXXX : ) Closed ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
This accounts is reporting a Balance and the account is reporting closed, According to the Fair Credit Reporting Act ( FCRA ) the account is reporting late payment history as well and therefore the accounts is in VIOLATION. Please Delete immediately!
Product: Credit reporting or other personal consumer reports

XXXXTo Whom It May Concern, XXXX [ Consumer Financial Protection Bureau ( CFPB )/ Federal Trade Commission ( FTC )/ State Attorney General XXXXSubject : XXXX Complaint Regarding Violations of the Fair Debt Collection Practices Act ( FDCPA **I am writing to formally complain about the practices of CAPITAL ONE BANK USA in relation to my charged-off account # XXXXXXXX XXXXDetails of the Complaint : - I contacted representatives of CAPITAL ONE regarding my charged-off account, which is reflected on my credit report. 

During these interactions, I experienced a tone that was very demanding and created a sense of fear in me. 
The representatives employed communication methods that I believe violate the FDCPA. Specifically, when I asked about receiving a 1099C form, I was told I would not be getting one in a rude manner. This interaction was unprofessional. 

The aggressive nature of their communications has caused me significant distress and XXXX, making it difficult for me to manage my financial situation I request that an investigation be conducted into the practices of CAPITAL ONE and that appropriate action be taken to ensure compliance with the FDCPA. 

Thank you for your attention to this matter. I hope for a prompt resolution and appropriate action regarding the behavior of the debt collectors involved. I am willing to provide additional information if needed. 

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

On XX/XX/2020, I mailed another letter about inaccurate accounts listed on my credit report. It has been almost two months and I still haven't heard from the company.
Product: Checking or savings account

I gave PA unemployment my checking account # and routing Number for direct deposit with paypal. Paypal received this money in XX/XX/2020. Paypal asked for a valid ID which I sent them after renewing it with SC. SHOCKINGLY, paypal closed my account, and has denied me access to my funds. {$620.00} is being held by PayPal and I am being told they will not send it to me for 160 days. This whole experience is absurd.
Product: Credit reporting or other personal consumer reports

I was a victim of debit card fraud and found an extreme amount of unauthorized transactions. It was very obvious that the transactions posted were not something I would do. It was outside of my normal spendings. I disputed with the bank promptly and would receive temporary credit just for them to reverse their decision leaving me with an even greater loss because I would have spent the credit on bills and such as I would have normally had I not been a victim.
Product: Student loan

This morning I saw that the Pennsylvania AG filed a lawsuit against Navient and felt vindicated ; what the Pennsylvania AG is claiming Navient has been doing is EXACTLY what has been happening to me for years with that entity. I have loans that I incurred for my children. The monthly payments were close to {$500.00} a month which I could not afford. I REPEATEDLY asked if I could make lower payments and was told I could NOT. What they could offer, however, was a forbearance which I thought was self-serving because it only caused my loan balance to soar over time. I felt this practice ( not allowing folks a payment they can afford ) was wrong, but as a single individual, was n't sure how to take on a company as formidable as Navient. I am GRATEFUL the Pennsylvania AG is taking them on for us and would like California to consider doing the same. If so, I am IN and would freely offer my testimony as to my experience with Navient. I 'm sure there are thousands just like me who have been disallowed a lower payment and have felt as helpless and taken advantage of as I have.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX to ask why they were reporting bankruptcy and to investigate this. They sent a letter back to me stating, " They investigated the complaint about the bankruptcy and found it to be " unverifiable ''. However, XXXX XXXX is where XXXX and Equifax receive their information. XXXX XXXX gets their information from XXXX and they do not have any bankruptcy on my file either. So how can the bureaus respond that the bankruptcy is VERIFIED? Please investigate this issue and I have included a letter from XXXX XXXX to prove my complaint. 

XXXX Record type Bankruptcy XXXX  7-discharged
Product: Prepaid card

I PURCHASED A {$200.00} VISA GIFT CARD WITH THE INTENTION TO PAY A BILL. I SET UP AN ACH DEBIT WITH THE PAYEE TO BE PAID ON XX/XX/XXXX. I WAS NOTIFIED THAT MY PAYMENT WAS DECLINED ON XX/XX/XXXX. I HAD REGISTERED THE CARD ONLINE AND WAS ABLE TO VIEW THE TRANSACTIONS. I FOUND XXXX TRANSACTIONS THAT WERE NOT MADE BY ME. I ALSO COULD NOT LOCATE THE CARD. 
ONCE I REVIEWED THE DATES OF THE UNAUTHORIZED TRANSACTIONS AND REMEMBERED I HAD THE CARD IN MY PURSE THE LAST TIME IT WAS IN MY POCESSION. I WAS IN A CAR ACCIDENT ON XX/XX/XXXX AND THE CONTENTS ON THE PASSENGER SEAT WENT FLYING ON IMPACT. MY VEHICLE WAS SEEN BY XXXX AUTO BODY REPAIR SHOPS WITHIN DAYS TO GET ESTIMATES AND ON XX/XX/XXXX, MY VEHICLE WENT IN FOR REPAIRS AND WAS NOT RETURNED TO ME UNTIL XX/XX/XXXX. I REALIZED MY CARD HAD BEEN STOLEN OUT OF MY VEHICLE WHILE GETTING THE ESTIMATES FOR BODY WORK. 
I CONTACTED CARDHOLDER SERVICES TO REPORT THE UNAUTHORIZED TRANSACTIONS ON XX/XX/XXXX. I SUBMITTED THE DOCUMENTATION TO BEGIN THE PROCESS OF RECOVERING THE FUNDS ON XX/XX/XXXX BUT WAS INFORMED IT WAS NOT RECEIVED. I RESENT ON XX/XX/XXXX. I WAS SENT A DOCUMENT TO COMPLETE ON XX/XX/XXXX WHICH I COMPLETED AND FAXED BACK ON XX/XX/XXXX. THIS WAS THE 2ND STEP IN THE PROCESS AND WAS TOLD THAT I WOULD BE SENT A NEW CARD IN APPROXIMATELY 10 BUSINESS DAYS. 
NEARLY A MONTH LATER, I HAD NOT RECIEVED THE NEW CARD SO I CALLED AND LEFT 2 MESSAGES ON XX/XX/XXXX WHICH IS SUPPOSED TO BE RETURNED WITHIN 48 HOURS. MY HOPES WERE I WOULD BE ABLE TO SPEAK TO SOMEONE BUT SAT ON HOLD UNTIL THE SYSTEM PROMPTED ME TO LEAVE A MESSAGE. I DID NOT GET A RETURN CALL SO I CALLED AGAIN ON XX/XX/XXXX AND HAD TO LEAVE ANOTHER MESSAGE. I TRIED AGAIN ON XX/XX/XXXX BUT AGAIN, I WAS SENT TO VOICEMAIL. I HAD NO ISSUE GETTING THROUGH WHEN I INITIALLY STARTED THE DISPUTE PROCESS BUT THE PROMPTS ARE DIFFERENT DEPENDING ON THE REASON FOR YOUR CALL. 
I WAS GETTING FRUSTRATED SO I COMPOSED A TIMELINE OF EVENTS AND FINAL REQUEST TO GET AN UPDATE ON THE STATUS OF MY DISPUTE / NEW CARD AND SENT IT VIA FAX AS THIS IS THE ONLY OTHER MEANS OF CONTACT AVAILABLE. I SENT THAT ON XX/XX/XXXX AND MADE IT CLEAR I WAS GOING TO TAKE FURTHER ACTION IF THIS WAS NOT RESOLVED. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A RESPONSE FROM CARDHOLDER SERVICES. I AM HOPING THIS COMPLAINT WILL GET THEIR ATTENTION AND GENERATE SOME TYPE OF RESPONSE AND EXPECTED TIME FRAME FOR THE FUNDS TO BE CREDITED TO A NEW CARD AS I WAS TOLD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and Equifax is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with Navient ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to Navient.
About 2 years ago this loan was sold (? ) to  XXXX  who now services my loan. I came to an agreement with  XXXX  that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.
I have contacted   XXXX   and Navient and explained that since I am making payments to  XXXX , who is servicing the loan for Navient, I do not believe it should be reported that I am missing a payment every month to Navient.
Navient wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.
Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.
Thank you   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I disputed on all three credit companys and they are saying that their information is correct. It is being reported on my credit and I do not have any accounts with XXXX XXXX credit cards. How ever is using my SSN is ruining my credit. Please help. This now to me is Fraud.
Product: Credit reporting or other personal consumer reports

Experian What happened ( statement of pertinent facts ) : Date XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of Names XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, Ga XXXX A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ) A auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent in a dispute to Equifax and have been ignored by the company in regards to my dispute. They have yet to respond and based on my receipt i can see that the letter did arrive to Equifax.