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

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I needd you to remove the followinfg items off of my Credit File at the earliest posible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Accordance with the Fair Credit reporting Act section 605b, I am requesting that you immediately remove the disputed items oof of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see some inaccurate accounts listed there. I have no idea how this happened, as my report has always been accurate during my regular checks. Hoping it was just a mistake, I refreshed the browser several times, but the discrepancies didnt go away. Its incredibly frustrating and unsettling, and Im begging you to carefully review the documents I sent to resolve this and put my mind at ease.
Product: Debt collection

HALSTEAD FINNACIAL SERVICES, for the last month or two have been sending me harassing emails for a debt that I do not owe to them. I don't know who they are, I have no contract with them, I never received any services or goods from them. I also have not given them express written consent to have any personal identifiable information of mine. HALSTEAD FINANCIAL Is a 3rd party debt collector who bought this debt from another debt collector, who from the original creditor illegally gave them my personal non- public information to these 3rd party debt collectors who have been using the mail and email to harass me and send threatening letters to me with information they should not have. Mail correspondence through certified mail, along with a affidavit along with this complaint were sent to this 3rd party debt collector. Attached is all applicable documents and all harassing/threatening correspondences. In addition this debt was satisfied with the original creditor XXXX XXXX according to UCC 3-603/3-311, which they redeemed the tender of payment making the debt satisfied. Not only are they violating my rights to privacy, they are also trying to force me into a contract with a 3rd party debt collector who I do not have a contract with, and did not receive any service of goods from.
Product: Credit reporting

They had properly removed a bad debt for XXXX XXXX for a {$10000.00} balance that was last paid on XXXX/XXXX/2008 however recently they added it back and when I disputed it for being over 7 years old ( past the allowable reporting period ) they have refused to remove it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unethical practices that violate the Consumer Financial Protection Act ( CFPA ). The platform has failed to take prompt and effective actions to prevent and address fraud, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process has proven to be both unjust and deceptive, not complying with the error resolution standards established by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These problems have caused significant inconvenience and financial damage, leading me to pursue appropriate remedies for these infractions.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Debt collection

I receive many texts messages stating that they are going to take legal action against me and when I responded was told I am XXXX and have XXXX XXXX. I have never received anything by mail and I don't belive the amount they are charging me is correct. Also told them I was at a funeral but he continued to text me, my boyfriend ended up actually calling him to tell him he was being unprofessional in which the guy started to say obscene things to him as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had a car addenct unexpecedly as my front car suddenly stopped and I hit the car in front of me, and the other car didn't have any damage, but my car was more damaged. I was threatened by the driver over the repair costs and forced me to transfer cash {$500.00} by XXXX after the car accdent, immediately even there is no etimate by car repair shop. The driver said the car 's owner were his girl friend. Before we left, we exchanged our information. After I came home, the driver texted me to ask more money transfer and paid for {$270.00} and {$700.00}. So I paid totally {$1400.00}. As I asked mom who said I found the scam and called to the XXXX and Bank of America to request stop payment on same day. However, the XXXX and Bank of America refused my request and won't get money back. You can see the bank of america refused to dispute {$970.00} on a letter with my attachment. XXXX told me not to reverse {$500.00} after I sent money. I have his phone number XXXX and car information. You can see the money paid and the car information on the attachment. Even if I go to the local police, they ask you to report. Please help me the money back.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX XXXX XXXX  To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXXncorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX    2017   to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute    XXXX   XXXX  2017     in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified . It has now been 60plus days  an d 3  disputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE MINU TE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it i s prevented me from obtaining a mortgage.
Product: Checking or savings account

I switched bank accounts after the federal ACH payment direct deposit change date for the XXXX XXXX XXXX ( XXXX ). My XXXX was routed to Wells Fargo where the account is closed. Alerted Wells Fargo and the XXXX on XX/XX/24. However, Wells Fargo said they did not have the money ever and then on a seperate call that I would have to wait 2 days for them to return it to the XXXX. Last time I checked FDIC regulations that is illegal.
Product: Debt collection

I purchased some products from XXXX in maybe XX/XX/XXXX, I returned items as they did not fit, In XX/XX/XXXX they placed a collection on my credit report. I sent them verification and it was removed. I found today that it has been placed back on my credit report and re-aged. This is a violation of Fair credit  reporting. Also under NC law an item over three years in non-collectable. I contacted the collection agency and they refused to send me any documentation with my signature and /or a contract with the collection agency that I agreed to pay them or entered into a contract with them.
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 XXXX XXXX XXXX. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} - Has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I payed through Cash App my son 's school tuition, books fee and 4 t-shirts to the school. but on XX/XX/XXXX they told me they didn't received anything and I showed them a print screen of the transactions. they told me the number was an office phone number and they can't receive the money so I cancelled all 3 transactions. I never got the money back because the bank said that Cash App never returned it and every time I tried to contact Cash App it gives me just the email option and they sent me the same email signed with another name where they say they did refund and to contact the bank. The tuition was {$400.00}, the books fee was {$170.00} and the shirts were {$56.00}. in total I lost {$630.00} which for me is a big deal because I have to a lot of sacrifices to afford this school for my son, he has XXXX and the school is for XXXX XXXX. I need someone to help me, please. My bank is XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, According to the Fair Credit Reporting Act, 15 USC 1681 , section 602, it states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency, and I am the consumer. I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states, " It is the policy of XXXX 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. '' 12 CFR 1016.1 Purpose and Scope governs the treatment of nonpublic personal information about consumers by financial institutions. XXXX XXXX qualifies as a financial institution under this title. 15 USC 1681, section 604 ( a ) ( 2 ) states, " 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. '' XXXX XXXX and the consumer reporting agency Experian do not have my consent to furnish this information, and they certainly do not have my written consent. Any and all consent to Experian, and XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
15 USC 6802 ( b ) ( c ) states, " 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Additionally, 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 antedate the report by more than XXXX years. '' This account is an adverse item that is being reported without my permission, which is against the law. 
As a result, I have faced difficulties in utilizing my credit and have experienced several denials, including a recent one from XXXX XXXX XXXX XXXX. 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. '' Experian has not maintained reasonable procedures. This is a complete violation of the Privacy Act of 1974 and a direct indication of willful noncompliance as per 15 U.S. Code 1681n. 
Please ensure that this matter is resolved promptly, as I have suffered enough. 
Regards,
Product: Credit card or prepaid card

i went to check out at XXXXTJ Maxx with my credit card. The cashier asked if i had a rewards number. I said i think i did but she said she couldn't look it up as it was confidential and they had changed their system. She asked if i wanted a new number for 10 % off. I said sure. 

Instead of getting me a new number, she opened up a credit card for me! and charged to the new credit card. I had given her my own credit card and had assumed she charged that card. 

Now i have a credit card i don't want and i didnt even give her my address so i have no idea where that credit card will go and she likely put her own info in and will get that credit card and charge me. I sent an email to XXXX but really don't know what to do now.
Product: Mortgage

I had asked Central Mortgage Company to review my credit dispute after I received notification for missing a monthly payment. I have an impeccable history with this company and had never made a late payment. I recently refinanced and ended up with Central Mortgage again for my loan. When I refinanced, my auto payment was no longer in place. I was surprised to hear I had missed the monthly payment, since I thought I had still been enrolled under auto payment. I described this in my letter of dispute. However, Central Mortgage replied by not even looking into my history. They declined my request to rescind thr notification to the credit bureaus despite my calling on the XXXX day and explaining the mixup. In the letter of reply only, Central Mortgage only mentioned that I was not enrolled in auto pay, therefore I should be held responsible. Why did Central Mortgage not review my prior history with their company ( just prior to refinancing )? It 's evident this was only a cursory review of my dispute. This is simply unfair based on my impeccable history and consistent enrollment in autopay. Thank you for your review and I look forward to a fair resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank accessed my credit report on XX/XX/2022. I do not recognize and did not authorize this access to my credit report. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Product: Debt collection

This company called twice today at XXXX and XXXX. I know this is against fdcpa rules. I have not spoken to them. I have not given permission for them to call my cell phone. They need to contact me by mail only.