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

I am writing to assert my rights as a consumer regarding inaccuracies on my credit report, which I believe violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 sections 602 and 604 ( a ), as well as the Fair Credit Billing Act ( FCBA ) under 15 USC 1666B.

Per 15 USC 1681 section 602, I have the right to request the disclosure of my credit report and any information contained therein. Despite exercising this right, I have discovered inaccuracies on my credit report that are adversely impacting my creditworthiness and financial well-being. These inaccuracies were found in [ specify the items or accounts in question ].

Moreover, under 15 USC 1681 section 604 ( a ), I am entitled to accurate and complete reporting by consumer reporting agencies. However, the inaccurate information on my credit report provided by [ Name of Creditor/Collection Agency ] has not been rectified, despite my efforts to dispute the entries. This failure to ensure the accuracy of the information being reported has resulted in unjust consequences for me as a consumer.

Furthermore, pursuant to 15 USC 1666B, I am entitled to fair and accurate billing practices. The erroneous reporting by [ Name of Creditor/Collection Agency ] has not only damaged my credit score but has also led to unwarranted financial repercussions due to the misinformation provided.

I urge the Consumer Financial Protection Bureau to initiate an investigation into this matter and take appropriate action to enforce my rights under the FCRA and FCBA. Specifically, I request that [ Name of Creditor/Collection Agency ] be compelled to correct the inaccuracies on my credit report and refrain from further violations of federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, Equifax, and XXXX are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand
Product: Credit card

had complaint file # XXXX am not happy with results we got. I never approved charges and had card cancelled on XXXX XXXX.
Product: Credit reporting

Hello : I have been trying to get my credit report from the XXXX main bureaus, but the information does n't match in any of them, according to my bank, who was the one conducting the process of opening a line of credit. Can you please tell me how can I fix this problem?, for the record, I have not used my S.S. Number for any credit purposes.
Product: Mortgage

On XXXX XXXX, 2015 my mortgage company Wells Fargo Home Mortgage made an unauthorized payment to my account of {$2000.00}. without my consent. I called the mortgage company immediately after learning about this problem. I was told on XXXX, 2015, an outbound call was placed to my residence and a male answered the phone. The representative asked the mal if they were authorize to make payments on my loan. The male said, " yes ''. I am the only person on my loan, sole owner of this property without any third party contacts or co-borrowers. As a result, my bank account was overdrawn by {$1000.00}. I was informed by XXXX from Wells Fargo Mortgage that a previous representative made an outbound call to the home and used my previous banking information that was on file to submit the transaction. The male that they are referring to is my son, whom does not know my banking information or any of my personal information. The representative failed to use proper protocol procedures and failed to abide by XXXX Law. I was told that this is a negative on my behalf and can be sought out to be writing bad checks. I requested a reversal of this transaction, I was told it will take 3-4 business days but there will be several ( 4 ) insufficient fund fees totaling {$140.00} that would be charged to my account not along the outstanding fees from the other companies. I am requesting that my money be refunded back to my account, all overdraft fees be waived, and that they pay for the company insufficient fund fees along with a letter of resolution and my credit report clear from this matter.
Product: Money transfer, virtual currency, or money service

Im I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specifically. Cash app failed to take the 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 fraud transfer act ( EFTA ) and regulation E. These act has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Several years ago I became XXXX. Permanently. I live on my XXXX. I suffered with financial hardships as a result of this. I was paying a high interest rate on my mortgage and did fall behind on paying on time. I started the process of loan modification. I filed the papers exactly as required, I sent every single document labeled with the loan number, every bank statement, bill statement. I was rejected and did the whole thing over and over, I had no choice but to hire an attorney because rather than work with me the PNC mortgage company began foreclosure process on my home because they would no longer accept my payments. Keep in mind I NEVER wanted to lose my home and always wanted to pay my bills. I was forced to hire an attorney of which I could not afford and with that I gave him all my documents that I previously sent to PNC Mortgage along with updated statements and of course the Modification was approved. The attorney gave me my new coupon book and I thought all was fine. The attorney received the notice my modification was officially approved and the attorney then sent notification to the Mortgage company releasing himself from my case. Well, it has been at least a yr and half and I never received a single document from the mortgage company. The attorney that did work my case is no longer practicing in this area of law and in addition he is n't at the firm. I came home and had a note taped to my door stating I needed to contact PNC Mortgage as they are attempting to collect a debt. I called and they refused to speak with me. " BY LAW my attorney needed to call. '' This has happened several times. The lawyer calls and nothing happens. I informed them there has n't been an attorney for over a year. Needless to say I have been fighting this battle for over a year and they refuse to hear me. I did locate the attorney at one point and he called and forwarded the release. I sent a notice, at their suggestion stating I didnt have attorney representation. Every single document I send or the attorney sent, PNC claims they never received. Even though I have receipt saying I sent they still will not talk to me and say " they are not going to argue with me about this ''. I can not continue to take this harrasment, I have no idea what my mortgage payment is as they refuse to tell me. I have discovered that XXXX of my payments were sent back to me at some address other than mine, I believe an attorney firm. So I am sending approx. {$75.00}, a month more with my payment hoping it is covering what my actual payment is. This is an absolute horrible way to deal with someone especially someone with XXXX, I have begged, cried, and yelled for someone to help me and they say the same thing over and over. " They need to hear from my legal counsel '' " They are not going to argue with me '' " MY Choice is talk to the attorney even if there is n't one. " I do n't know what status my mortgage is in right now. I have no idea what the " debt to collect is '' or if I am losing my home. What I do know is as soon as my XXXX comes PNC gets my mortgage payment every single month. From that point no one will help me.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Student loan

I worked full time for a qualifying public service organization from XX/XX/XXXX- XX/XX/XXXX. Fedloans Servicing refuses to honor payments made during this time for Public Service Forgiveness because I consolidated a XX/XX/XXXX XXXX along my previous consolidation done previously when XXXX serviced my loans. XXXX did not tell me that this would put my future with XXXX XXXX XXXX XXXX in jeopardy. I realize that this is not your problem, but this is what happened to me. Now, I am being made to pay for a mistake made by XXXX. They even denied counting my time to the Ombudsman. 
Representatives from FedLoan Servicing told me is that a new consolidation was created when I consolidated my new loan taken in XX/XX/XXXX with my existing consolidated loans ( XXXX was servicing the loans at the time ). As a result, they will not count any of my payments time that I worked for a public service organization from XXXX ( my loans were consolidated at that time ). I let them know that I was not told by XXXX that this would jeopardize my public service loan forgiveness. I remember telling the XXXX customer service representative that I needed to consolidate my XX/XX/XXXX loan with my existing consolidation so that I could get credit for my time worked for a XXXX from XXXX. So, I proceeded with the consolidation paperwork not realizing that I would be in this situation. I am not trying to get out of paying. I just would like the time to count as I am working for a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to ask you to remove the current fraud alert customer statement on my Experian and XXXX report. All issues were resolved a month ago and now Im trying to refinance my car and this alert is causing approval issues. Please remove this alert asap please. 
Thank you for your prompt attention to this matter.
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 financial loss, and I seek appropriate redress for the violations.
Product: Checking or savings account

I'm having XXXX problem trying to add an XXXX external Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) which both external account are under my name. 

On XX/XX/XXXX I first add my XXXX  XXXX XXXX XXXX - XXXX as an External Account with Navy Federal Credit Union. 

And completed the XXXX XXXX XXXX, and received an email on XX/XX/XXXX, XXXX XXXX, saying the external account - XXXX is confirmed. 

Then XX/XX/XXXX, XXXX XXXX  I received an email saying your account - XXXX registration was unsuccessful and was removed. 

On XX/XX/XXXX I tried again add my XXXX XXXX XXXXXXXX XXXX - XXXX as an External Account with Navy Federal Credit Union. 

And completed the XXXX XXXX Deposits, and received an email on XX/XX/XXXX, XXXXXXXX XXXX XXXX, saying the external account - XXXX is confirmed. 


Then XX/XX/XXXX, XXXXXXXX XXXX XXXX I received an email saying your account - XXXX registration was unsuccessful and was removed. 

Then on XX/XX/XXXX, XXXX XXXX I tried adding another External Account, which was XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account - XXXX. 

And completed XXXX XXXX XXXX XXXX, and received an email on XX/XX/XXXX, XXXX, saying the external account- XXXX is confirmed. 

Then XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX I received an email saying your account - XXXX registration was unsuccessful and was removed. 

And now today I tried again XX/XX/XXXX, XXXX XXXX XXXX I tried adding another External Account, which was XXXX XXXX  XXXX XXXX XXXX XXXX Account - XXXX. 

And completed XXXX XXXX XXXX Deposits, and received an email on XX/XX/XXXX, XXXX XXXX, saying the external account- XXXX is confirmed.
Product: Money transfer, virtual currency, or money service

I experienced a significant loss of {$4500.00} due to an issue with XXXX ( squareup.com ). Over the summer, I collaborated with a non-citizen in the U.S. to develop a portable high-performance server. My role involved assembling the server and creating the operating software suite XXXX After completing the project, I processed payments through Square.

However, after the payment was made, Square held the funds and requested documentation regarding the transaction. I provided all the necessary information, but Square later informed me that they would not process the payment, citing concerns that the credit card used was stolen. They insisted I issue a refund to the customer, or they would freeze my account.

When I asked for evidence of the alleged fraud, Square could not provide any specifics, only stating that the card was flagged. The customer then reached out to their bank, which confirmed that there were no such reports from the issuing bank and that there had been no communication with Square regarding this matter. It became clear that Square 's claim about the card being flagged was unfounded, seemingly to shift responsibility onto my business and the customer, benefiting from the processing fees while denying me access to my funds.

As a result, I had no choice but to issue a refund to protect my brand 's reputation, incurring substantial financial and emotional losses. This incident has also led to customers hesitating to do business with me, citing concerns about my ability to handle payments properly, which has caused significant inconvenience for everyone involved.
Product: Debt collection

i have talk to then and told then it was not me and show all I got that say it not me and they have not stop.i wish you put a stop to then and show it not me.i have try and try to tekk then it not me but they have not stop so I an sending this to you and let you stop then
Product: Credit reporting or other personal consumer reports

TransUnion send me affidavit to sign when I submitted a FTC report. 
After signing the Affidavit and sent it back Transunion flagged that it was not sent by me. 
When I ask them what do I need to do to proof that I sent the documents TransUnion refused to answer my question. 
The bankruptcy in question was deleted by the following bureaus. 
XXXX deleted it. 
XXXX delete it. 
XXXX XXXX Deleted it. 
Only TransUnion does not follow the FCRA guideline. 
TransUnion also claimed that the furnisher was the Bankruptcy court and when I submitted the document from Bankruptcy court that the bankruptcy court does not furnish anything to credit bureaus Transunion refused to do their job under FCRA. 
I will attached every single documents that TransUnion failed to address.
Product: Checking or savings account

I opened an account with Chime using the affiliate link of XXXX ( a.k.a. " XXXX '' ). I was supposed to receive {$400.00} from XXXX once Chime notified them that I fulfilled the terms of the offer, which was to open the account and make XXXX direct deposits over {$200.00} each within the required timeframe. I asked Chime on the phone whether they correctly saw my deposits as direct deposits, and Chime said Yes. However, XXXX told me the following : " Unfortunately, the deposits you have provided did not meet the specific Terms and Conditions required for the offer. As a result, Chime has denied credit for your attempt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax the attached letters over 30 days ago now and they have not responded. I have a BK that is over 10 years old that I want removed bureaus because it has past the statutes of limitations and is in violation of FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 XXXXXX/XX/XXXX The accounts listed above 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. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND EXPERIAN DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Prepaid card

Dear Management Center, Due to bad service and requesting you remove the initial $ XXXX and all other fees since to be removed as promised due to ACH outage from XXXX. There is a formal request for the account to be " Closed " by my request today! The most unprofessional service I had this week with the client service support number. I've never had so much trouble trying to accomplish simple tasks with customer service.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( TRANSUNION, XXXX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " XXXX  ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. TRANSUNION, XXXX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, TRANSUNION, XXXX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE. THIS IS THE THIRD TIME I'VE SUBMITTED A COMPLAINT, AND THE REPONSE I GET IS " YOU CAN NOT LOCATE MY CREDIT REPORT! '' THIS IS CLEARLY NEGLIGENCE.
Product: Mortgage

On or around XX/XX/XXXX, I made a {$2000.00} payment to a new loan with Sofi Bank. 

The payment showed applied, It was subsequently sold to XXXX XXXX several weeks later without notice. 

XXXX did not take the XXXX payment and Sofi held the payment, To this day I have contacted Sofi, specifically the lender XXXX at Sofi, and been instructed their isnt anything they can do. They say it will essentially fix itself. 

I have never been refunded the {$2000.00} or had it applied and interest adjusted as it should have been since they have had it completed since XX/XX/XXXX. 


Instead Sofi is trying to steal the {$2000.00} and XXXX XXXX refuses to get involved saying its on Sofi they have no responsibility as a loan purchaser. 


XXXX just called XX/XX/XXXX saying he doesnt want a complaint against him and he recited disclosures as if it is my fault for making a payment because at sometime in the future they may sell alone.