23daVinci/CFPB_Complaints huggingface dataset:
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 the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience 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 ( 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've disputed the incorrect Balance on XXXX XXXX  and provided proof this loan was paid off atleast 5 times to Trans Union,, XXXX and XXXX. All XXXX companies have not updated or removed the loan from my credit report and they do not have a live customer service representative that I can speak to. I've disputed the hard loan inquiries as I have not given the companies permission to check my credit and they should have deleted it from my credit. Again, I've provided and disputed the loan amount because it is incorrect and the balance I'd completely paid off to XXXX and XXXX XXXX.
Product: Mortgage

I had an escrow account with Stearns Lending. They failed to pay my property taxes on time, then sold my loan to XXXX XXXX. I still have a delinquent tax notice, I still had to pay out of pocket, and my escrow account still has plenty of money for all of this.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I am aware that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau. I expect your bureau to adhere to the Fair Credit Reporting Act ( FCRA ) by conducting a comprehensive investigation into this dispute. Please provide me with written confirmation of the results of your investigation and the actions taken to rectify this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I sent formal dispute letters and supporting documents to Transunion informing them of the theft of my identity. In the dispute letter, I listed the fraudulent accounts and fraudulent inquiries that are reporting on my credit file, and asked them to delete the fraudulent items and block them from re-reporting per California Civil Code 1785.16 ( k ). This law states : If the victim submits police report to a credit bureau listing the fraudulent accounts, the credit bureau must promptly and permanently block the information about those accounts and inform the credit grantors that the information has been removed. A decision to unblock must defer to documentation the consumer provides from the source or from public records, unless the credit reporting agency has substantial reason based on specific, verifiable facts to doubt the documentation provided by the consumer. California Civil Code 1785.16 ( k ). [ Preempted by H.R. 2622, 205, FCRA 605 ( i ), 15 U.S.C. 1681c ( i ), and by renewal of 15 U.S.C. 1681t ( b ) ( 1 ) ( E ) ]. I provided both a police report detailing the theft of my identity from the XXXX XXXX Police Department and a FTC Identity Theft Report, both of which listed all the fraudulent accounts and inquiries that I was disputing and requesting to be blocked, in addition to a copy of my drivers license. These disputes were sent to Transunion at the beginning of XX/XX/XXXX and the beginning of XX/XX/XXXX. I called Transunion to check the status of my dispute in XXXX and was informed by a representative that the disputes were being processed. After my disputes were processed some of the fraudulent accounts and inquiries that were reported were removed from my credit file, however some of the fraudulent information remained on it. The fraudulent account that is still being reported on my Transunion credit file is from XXXX XXXX XXXX, partial account number : XXXX. The fraudulent inquiries still reporting on my Transunion file are : 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 and XXXX XXXX XXXX XXXX  I have called Transunion after submitting my formal disputes attempting to resolve this issue and have this fraudulent information removed from my credit file, but have not been successful in resolving this matter. My rights have been violated as a victim of identity theft. Transunion did not follow the laws stipulated in the California Penal Code listed above by removing and blocking this fraudulent information. I would like to submit this complaint in a last attempt to resolve this matter directly with Transunion before exploring my options with my legal representative. This fraudulent information which is being reported on my credit file with Transunion is preventing me from conducting important personal business matters. It needs to be removed immediately as stipulated by state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for violating federal laws by refusing to remove fraudulent debts from my credit report after I provided a valid XXXX XXXX letter. On XX/XX/year> and XX/XX/year>, I submitted a dispute to Equifax under the Debt XXXX  Repair Act ( DBRA ) ( 15 U.S.C. 1681c-3 ) requesting the removal of debts linked to my XXXX  status. 

I provided all legally required documentation, including : A verification letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a federally recognized organization. 
Proof of identity ( driver 's license, SSN, and utility bill ). 
A copy of my credit report highlighting fraudulent accounts. 

Despite receiving my documentation, Equifax refused to remove these debts, falsely stating they could not validate my XXXX letter. This is a direct violation of multiple federal consumer protection laws. I have included everything that I sent them along with a screenshot of their response email.
Product: Money transfer, virtual currency, or money service

Scammed by meeting someone on XXXX online dating platform for about 4 months. Several wires sent to XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX and principal is held up in XXXX XXXX trading platform and XXXX. 

Bank Transfers : XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX - $ XXXX on XX/XX/XXXX XXXX XXXX XXXX - {$1000.00} on XX/XX/XXXX Wires to XXXX XXXX XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$33000.00} on XX/XX/XXXX {$75000.00} on XX/XX/XXXX Wires to XXXX, XXXX : $ XXXX on XX/XX/XXXX $ XXXX on XX/XX/XXXX {$13000.00} on XX/XX/XXXX $ XXXX on XX/XX/XXXX I've made a local PD report as the person that fake relationship I had with a party provided a fake drivers license to me. I've filed a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters. 

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items. 
Offer compensation for the inconvenience and emotional distress caused by this ordeal. 
Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the lack of response from XXXX, Equifax, and XXXX, the XXXX major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that XXXX, Equifax, and XXXX are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - Experian : XXXX - XXXX XXXX XXXX : XXXX - Equifax Information Services LLC : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX, Equifax, and XXXX for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report on XX/XX/XXXX I know inconsistencies on my credit report. The credit reporting agencies per FCRA is responsible for reporting 100 % ACCURATE, VERIFIABLE AND COMPLETE information on my credit report. I look and notice ACCOUNT NAME- XXXX XXXXXXXX - ACCOUNT XXXX XXXX is still reporting an account that was sold to a collection company by the name of XXXX XXXX XXXX  XXXX Its been XXXX  months of this creditor still reporting inaccurate information on my credit report. The account been charged and was sold which the credit written it off as bad debt. Im requesting all business transactions documents with this account in question I want the account ledger, 1099 OID report, 424 b5 prospectus and RC-S & RC-B call schedules to be sent immediately. If you are unable to provide me out these documents I ask that you delete this account immediately. The date last verified from TransUnion XX/XX/XXXX is inaccurate. XXXX is missing the date last verified which is inaccurate. Date last activity TransUnion XX/XX/XXXX, XXXX date of last activity is XX/XX/XXXX is inaccurate. Date last reported XX/XX/XXXX. XXXX date last reported XX/XX/XXXX is incorrect. TransUnion date open XXXX XXXX date open XX/XX/XXXX is inaccurate. TransUnion date closed XXXX XXXX date closed is missing the date. This account has been in dispute since XX/XX/XXXX the dispute status on my credit report reads account not disputed this how I know TransUnion and XXXX did not investigate this account at all also XXXX year payment history is incomplete. I want this unverified, unproven, obsolete, incomplete and inaccurate information deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am applying for Auto Insurance, I have been told that I have multiple Auto Accidents on my report. - LEXISNEXIS - AUTO CUE I had no idea that there were a company as such that collects Auto Claims and anything regarding such information. 
I have had only 1 incident back in 2018 and it was a NO FAULT incident in XXXX Florida. ( Iwas rare ended ) the person who hit my car accepted the responsibility. 
I had a claim my windsheild to be fixed.
Product: Credit reporting or other personal consumer reports

I request that you investigate and remove these XXXX fraudulent inquiries from my credit reports immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide me with all relevant documentation related to these. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : 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, credit repair services, or other personal consumer reports

I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested that the bureaus remove these fraudulent items on many occasions. I have also requested to see proof that was used to verify these items, and they have not provided any contract or signature for any of them
Product: Credit reporting, credit repair services, or other personal consumer reports

So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have one? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Product: Checking or savings account

I am writing to file a complaint regarding Citibanks failure to refund {$1200.00} that was wrongly withdrawn from my account. This charge was the result of a purchase made through XXXX for Costco, but the purchase was made by my mother using her debit card, not mine. I contacted Citibanks dispute department to bring this issue to their attention. The representatives at the dispute department acknowledged that there was an error and confirmed that the transaction was charged to my account inappropriately due to a mix-up in debit cards. They assured me that this was clearly visible in the transaction logs and that I should be refunded for the {$1200.00}. However, despite the dispute departments findings, Citibanks investigation team has refused to issue the refund. Their team has failed to recognize the same error that the dispute department identified, leaving me with no resolution to the issue. The investigation team seems to have overlooked or misunderstood the evidence showing that the charge should have been processed using my mothers debit card and not mine. This situation has caused unnecessary financial stress, and I am deeply frustrated by Citibanks inability to resolve such a clear and straightforward issue. I am requesting that your office assist me in resolving this matter and holding Citibank accountable for the error and the delays in refunding the {$1200.00}. I appreciate your attention to this matter and look forward to a swift resolution. This is the second time I've had to file a complaint against this banking institution, and it's becoming a frustrating experience on my end. I am dangerously close to pulling all my funds out, closing my account with Citibank, and opening another one with a more reputable bank
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX  - XXXX XXXX. Unknown - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Republic Finance LLC illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Republic Finance LLC.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.

Under 15 USC 1681 ( a ) ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax purposefully makes it difficult to obtain your report. The qualification/verification questions are extremely precise. Nobody is going to remember what their autopay loan payment from 10 years ago was. The result of missing the questions is you are locked out. 

Then to make it worse, the website set up to dispute DOES NOT WORK. It's almost as if they don't want you to work on your credit!