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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX reporting inaccurate and information about my bankruptcy. I respectfully request the CFPB to : Conduct a thorough investigation into the practices of Equifax and XXXX, particularly focusing on how they obtained and reported my bankruptcy information without it being furnished by the State of Virginia, in clear violation of FCRA guidelines. 
Compel Equifax and XXXX to immediately correct the inaccurate bankruptcy information on my credit report, to comply with all applicable laws and regulations, and to take necessary actions to prevent such incidents in the future. 
Provide guidance or assistance to me regarding any further actions I should take to rectify this situation, protect my rights, and ensure such inaccuracies do not recur. 

I have a letter from the state of Virginia stating they did not furnish my bankruptcy to the CRA 's Equifax and XXXX. 
Given the significant discrepancies in the reporting of my credit information, with XXXX not reporting the bankruptcy which Equifax and XXXX have inaccurately listed, I request the following actions to be taken immediately. 

Delete the bankruptcy from my credit report and file.
Product: Checking or savings account

On the XXXX of XXXX I transferred the amount of {$500.00} through chase bank with XXXX to a friend and to date he havent received the money, bank notified me that I might not get back my refund.
Product: Debt collection

RTR FINANCIAL Sevices , Inc is clearly in violation of the FRCA and FDCPA. I have receive a letter from them stating I owe a debt, in which I never gave them consent to send me any mails, also never gave them promission to contact me at my place of business, nor to contact me at any location.The stated Statutes are the violations I am reporting to you CREDIT FININACIAL PROTECTION BUREAU for redress and enforcement of law, as I accept your Oaths of Office and bind you to it, when handling such information listed here : Violation 1 ; 15 USC 1692 ( c ) ( a ) states. communication with a consumer generally without the prior consent of the consumer gived directly to the debt collector [ RTR Financial Sevices , Inc ] or the express permission of a court of competent jurisdiction, a debt collecter may not comminunicate with a consumer in connection with the collection of any debt.VIOLATION 2 : 15 USC 1692c ( 3 ) states such debt collector shall not send a comminunication to a consumer eployer place of business in which the debt collector should of checked to see that XXXX XXXX XXXX XXXX XXXX is listed on the credit report as the Consumers, place of employment, and has a address of XXXX XXXX XXXX XXXX XXXX New York XXXX as listed on the Department of State of New York Website for any one to view, also the consumer works at another business named XXXX XXXX with that same address as recorded with the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX which also can be viewed.they are also in VIOLATION 3 : 15 USC 1692b ( 5 ) which states the use of any language or symbol on any envelop or IN THE CONTENTS OF ANY COMMUNICATION effected by the mails or telegram that indicates that the debt collector is in the debt, collection business pr that the communication relates to the collection of a debt in which they are in clearly in violation of by sending me the letter [ see attached ], further they are also in VIOLATION 4 of 15 USC 1692 ( b ) ( 2 ) the debt collector shall not state that such consumer owes any debt, in which on the letter they sent says I owe {$490.00}. VIOLATION # 5 15 USC 1681 section 602A state I have the right to privacy, as they are not respecting the law and my right to privacy.Also I never gave them consent to use my name or any of my information and do not have any contract with that financial agency. Which is also comitting Identity Theft as they are using unauthorized information without the owners consent.
Product: Debt collection

On XX/XX/2019 I mailed out a letter requesting verification and they had 30 days to submit verification.
Product: Money transfer, virtual currency, or money service

Complaint regarding Venmo-paypal Family member sent me funds via Venmo on XX/XX/year>. After receiving the funds and transferring them into my bank account Venmo suspended and froze my brand new account. Said funds are now in escrow somewhere. Venmo emailed me requesting a photo ID, which I sent them, as well as had numerous verification and multi factoring security steps with the new Venmo account before even using. I was told by their customer service there was a special branch within the company that would review my complaint and contact me within XXXX hrs. They have yet to do so and my funds are still nowhere to be found. I'm wanting the funds released immediately or refunded to my family member who made the initial transaction.
Product: Bank account or service

Paypal stopped allowing me to transfer money to another party. Additionally they have provided no means to remove the withdrawal limit on my account, thus they are holding my funds hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXXt - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to infrequent customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely actions, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unclear as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused my business significant financial loss, regardless of these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I signed up for " XXXX XXXX XXXX '' with an offer to earn XXXX membership rewards points for doing so, but the XXXX points were never awarded to my account ( see attached screenshots ). I rose this with the company on XX/XX/XXXX, XXXX they said it would take 1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. They owe me XXXX membership rewards points.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 my wife purchased a western union money order at XXXX XXXX in XXXX nm for XXXX usd for our rent payment it was lost or stolen at XXXX we called western union after XXXX said we needed to contact them to cancel it. Wesyern union said they do not cancel money orders and would refund in 7 days if not cashed We filed a claim XXXX XXXX we were told bye a representitive to do XXXX case number is XXXX. 

And were told it would be refunded in 7 days. 

On XX/XX/XXXX after talking to a representitive we were told it was cashed on XX/XX/XXXX and we cpuld not be refunded. Instead we would have to sighn a affidavid that removes liability for the funds and they could only give us details on who and where the mo was cashed if we sighned the forms I feel this violates ftc guidelines. And western union is being fraudulent and misleading it is very difficult to reach them ive spent hours on hold hu g up on and bounced around in the system
Product: Checking or savings account

My account has been closed its going to be two now, Bank of America closed my account my mother gets her Security direct deposit to the account and they havent give her money I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality USC 1681 Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 602 A It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I wrote a letter to BOA on XX/XX/XXXX to dispute XXXX ( XXXX ) fraudulent charges of {$3500.00} for a total of {$7000.00} on my XXXX XXXX XXXX XXXX account ( ending XXXX ) on XX/XX/XXXX ( which also reposted on XX/XX/XXXX on my new card number ending XXXX ). My Bank of America fraud case number is XXXX. 
On XX/XX/XXXX at XXXX, I received a text on behalf of Bank of America asking me if I used the card # XXXX at XXXX for {$380.00}. The text was so suspicious since I did not use the credit card nor make any charges at the time, so I went to BOA Apps to check my credit card transactions. After checking I found two ( 2 ) pending unknown/unauthorized charges with the amount of {$3500.00} for a total of {$7000.00} at the PP*Migueltourguider @ gm. 
I immediately called the BOA Billing and Fraud Department right after to dispute those two charges and reported them as fraudulent transactions. BOA representatives closed my old card and replaced a new one ( ending XXXX ) for my future use. They asked me if I had lost my card, but I told them I did not know since I had NOT use it for a long time. After the call, I looked for my credit card and confirmed that the card was lost/dropped/stolen on/before XX/XX/XXXX. 

The dispute process was evaluated after my call on XX/XX/XXXX. However, it was announced that they disapproved my dispute since they found the transaction was charged per chip card scan and/or pin provided. I did not know this denied result until I found those two transactions reposted on XX/XX/XXXX with my new credit card ending XXXX on Sunday XX/XX/XXXX. 
On XX/XX/XXXX, I called in the BOA Fraud Department again and found that those 2 transactions repost because they did not know that my card was lost based on my first report. They then updated the information in the system that the card was lost/stolen and reopened the case. 

However, till the now, over 90 days from the original date of XX/XX/XXXX and over 45 days from the re dispute date XX/XX/XXXX, nothing is resolved. My Fraud charges still posted on my account and they made me to pay monthly with interest charges added on. I called them many times to follow up. However the only thing that I have received from them is no updates and failed promises. There is no way to get in touch with the direct team that taking care of the issue. The process is taking too long and frustrating. They need to investigate to honor the truth and Im ready to be in court if needed. I also did file a police report with the XXXX XXXX department and an identity theft.gov for this case. I need the fraudulent charges and any fraudulent related occurrence fees to be removed. 

I, XXXX XXXX, the owner of the XXXX XXXX XXXX XXXX credit card ending XXXX, did not make any charges at the XXXX XXXX  XXXX. I was not aware nor authorized any transaction at this unknown merchant. Please help to investigate carefully, review and remove those the total amount of {$7000.00} total charge from my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX  - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification Experian and XXXX are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ XXXXand not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX XXXX  to prevent form being rejected as a repeat complaint XXXX also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.
Product: Credit reporting or other personal consumer reports

I submitted disputes to Experian, XXXX, and XXXX regarding inaccurate information on my credit report. I provided detailed letters and supporting documentation for these disputes. Despite my efforts, the issues remain unresolved : Experian : I submitted disputes with the following dispute numbers : ( The ones I can find ) Your Report Number is : XXXX Your Investigation ID is : XXXX XXXX XXXX XXXX. 

However, I am unable to access the details of these disputes because Experian has not provided a clear way for me to review them. Additionally, I have not received an adequate explanation or resolution, and the inaccuracies remain on my credit report. 

XXXX and XXXX : I received dispute results from both bureaus, but they failed to adequately explain how the information was verified. They did not address my concerns in detail, and the inaccuracies remain on my credit report. 

XXXX XXXX XXXX Issue : Whenever I apply for credit with creditors that use XXXX for XXXX, I am denied because they can not verify my identity. I made sure my credit profile was not frozen during these times, and I sent XXXX a letter with my personal information ( ID, Social Security card, proof of address ) to verify my identity. I also called their customer service, but I was told there was nothing wrong on their end. Despite this, creditors still can not verify my identity through XXXX, which has negatively impacted my ability to obtain credit. 

Because of these unresolved issues, I no longer trust the accuracy of the information on my credit reports from Experian, XXXX, and XXXX.
Product: Credit card

Complaint Regarding Credit Card Account - Request for Fair Settlement and Resolution I am writing to formally file a complaint regarding the handling of my credit card account and the ongoing fees and interest charges despite my attempts to negotiate a settlement due to financial hardship. 

- Original Loan Amount : {$6000.00} - Current Balance : {$6700.00} - APR : 28.74 % - Monthly Payment : {$300.00} - Last Payment : {$160.00} on XX/XX/year> - Past Due Amount : {$1300.00} Despite my efforts to negotiate a settlment or modify the terms due to my unemployment and financial hardship, I have not received any response or agreement form your team. My credit score has been significantly impacted, and I feel the terms of the account are causing undue hardship.
Product: Payday loan, title loan, or personal loan

Vompany repeatedly called and left voice mails. The last voice mail was XXXX noises
Product: Credit card or prepaid card

I opened a US Bank credit card to make a specific purchase due to the great introductory offer they advertised ( 0 % interest until XX/XX/XXXX ). Now that I am ready to make the purchase, the card continually declines even though my available credit more than supports the charge. I have made multiple phone calls since XX/XX/XXXX to try to get the charge to go through with US Bank, spending almost 3 hours of my time at this point. I have been disconnected, transferred, given different phone numbers, and yet no one has been able to assist me in getting the charge to go through. At this point, it feels very much like predatory lending as I have fulfilled my obligations but US Bank has not fulfilled theirs. I would like assistance in remediating this issue in a timely manner.
Product: Checking or savings account

Actions being taken on my account # XXXX without my permission. 

Unauthorized use of my information I spoke to representative and asked for validation of the debts Requested proof of investigation and records of my account Burden of proof falls on the corporate The institute was paid when I gave them credit during our initial consumer credit transaction day 1 and to unfairly make deceptive claims is unlawful Practicing deceptive behavior by furnishing incorrect, erroneous statements is unlawful Requested 1099 tax form Contract binding both parties Affidavit of Truth wet signature by chief executive officer XXXX XXXX directed to me the consumer. 

With prejudice I never refused to pay on requesting to validation the debts. 

I am a natural person and a consumer per federal law US has been actively bankrupt since XXXX and money is backed by nothing it is only paper debt and cant be used for payment. Only credit and gold or silver. 

Willful noncompliance is unlawful Violating my consumer rights is unlawful Not upholding regulation z, Truth in Lending is unlawful I know the finance charge is the sum of all charges
Product: Student loan

I have a checking account with XXXX, and have used it to auto-pay bills for my student loan for around 8 years with no problems. Then, all the sudden, I got a notice from XXXX in XXXX that my XXXX payment to Navient was rejected. I had not made any changes to how the bill was being paid, nor had I changed the account number for the payment. 

I called Navient to find out why it was rejected, and the agent told me to wait several weeks while they investigated, and that I should wait to pay my bill until they determined the problem. I asked whether that would be an issue, since it would be a late payment, but the agent told me it would be fine since my account was being investigated. Navient eventually claimed that my bank provided the wrong account number, and that they refunded my payment to my XXXX XXXX account. I do not have, nor have I ever had, a XXXX XXXX account. I called them again and told them I don't have a XXXX XXXX account, my bank used the correct account number, and I asked them to clarify and to provide evidence that XXXX made the mistake. They never sent proof, and only resent the exact same message from before ( my bank used the wrong account number and my payment was refunded to XXXX XXXX ). 

I paid my bill, which, at this point was late. This led to Navient removing my interest rate reduction for good payment history. I have repeatedly tried to get information from XXXX XXXX, XXXX XXXX XXXX, Office of the Customer Advocate at XXXX XXXX XXXX  but all she tells me is garbage like " While we understand why this matter is important to you, we do not have additional details to share at this time. '' She has been dragging her feet, waiting for my loan to get transferred to XXXX ( since Navient has been barred from handling student loans for prior fraud ), so that she doesn't have to deal with it. 

They are incompetent, and fraudulently charging me penalties on my loan because I followed their own directions ( wait to pay the bill until they figured out what happened ). If they're doing it to me, then they are most likely doing it to other borrowers as well.
Product: Debt collection

I recently received a recent copy of my credit report and I am stunned to find out that this company has placed false information on it. I am very stunned to see  XXXX  open accounts that this company is reporting to the credit bureaus totaling {$19000.00} therefore I am demanding VALIDATION and HIPAA authorization.Under the law I am allowed to protect my privacy and medical records from third parties. I would like to see an actual contract between me and this company. One that I actually signed and that they actually signed as well NOT some bill or computer generated statement with my name and their account number on it. I would also like to see proof of monies given to me with an accounting of every cent used, every cent paid, every bit of interest applied, and the date any of those events occurred. I imagine you can understand my frustration in trying to resolve this issue considering this company never contacted me via phone or certified mail if this debt is indeed valid and indeed is mine. This is my next step because I 've tried to resolve this issue via the credit bureaus and BBB but to no avail