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

I hope this email finds you in good health. I am writing to express my deep distress regarding an ongoing issue with inaccuracies on my credit report, despite assurances and supposed resolution. 

I initially filed a complaint with the CFPB on XX/XX/, raising concerns about inaccurate accounts on my credit report. Following my complaint, the company responded to the CFPB on XX/XX/, acknowledging the inaccuracies and assuring a thorough investigation. They claimed to have removed the inaccuracies promptly. 

However, to my dismay, when I checked my credit report on XXXX XXXX XXXX, the previously identified inaccurate accounts were still reporting. In response to this, I wrote a certified letter on the same day, enclosing copies of all relevant documentation, including the company 's response to the CFPB and my credit report highlighting the persistent inaccuracies. 

In my letter, I emphasized the provisions of 15 USC 1681A ( w ), wherein the company accepted responsibility for the inaccurate accounts, claimed to have conducted a thorough investigation, and assured the removal of said accounts. The continued reporting of these inaccuracies is a clear violation of my rights, and I find myself deeply troubled by the apparent lack of resolution despite the company 's assurances. 

As further evidence of the current state of my credit report, I have attached a copy of my credit report from XX/XX/, which shows that the inaccuracies persist despite the company 's supposed corrective actions. 

I am reaching out to you in the hope that you can intervene on my behalf and facilitate a swift resolution to this matter. The persistence of inaccurate reporting is not only a violation of the company 's commitment but also a continued infringement on my rights as a consumer. 

Your prompt attention to this matter is greatly appreciated, and I am hopeful that your involvement will lead to a conclusive resolution and the removal of these inaccuracies from my credit report. 

Thank you for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX  XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There were multiple issues performed by this debt collector. To begin with I got a phone call from this debt collector in which I did not answer. They called from a phone number in XXXX and claimed to be an investigator calling on behalf of XXXX XXXX XXXX ( my county of residence ). She stated that because I have failed to call her back after multiple attempts ( though I have never once received any voicemail or call from this number and can provide phone records to support that ) that she had no choice but to proceed with a detainment order with a court appearance. My voicemail is clearly set up where I state my name therefore there is no confusion as to whether they have the right number. I then received a phone call almost immediately from my mother stating that she received a phone call from the same woman with the same threat left on her voicemail. It is my understanding that a debt collector is only allowed to call a family member if they are unsure as to how to reach the person who has the debt. On top of that I also was under the understanding they are to share no information whatsoever especially the same threats of me getting detained. When I called the number back the same woman answered and never once identified herself as a debt collector but instead stated I owed money. I was frustrated because I believed this to be a debt I had paid to a law firm already and the woman then stated I can contact the company it originated with to verify the debt. When I told her that I was not going to pay something twice she then said she is going to proceed with the detainment and will notify the original debtor and then hung up on me. When I called back the same woman again answer and was very belligerent with me. I asked multiple time for a supervisor while she talked over me before finally sending me to a supervisor. The supervisor was a little more helpful but again never once did either of them identify themselves as a debt collector and it was not until I asked if they were one that they told me so. When I contacted the original company the debt was with they in fact told me it was still outstanding but stated that the company that the woman who called me claimed to be from was no longer in business and that that debt was sold to another company that they are unsure of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fifth time I've updated this questionable information by sending a letter to the three credit bureaus, yet no changes were made. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to repair the following incorrect items : 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

XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.
Product: Checking or savings account

XXXX XXXX, 2020, American Express National Bank transferred via ACH {$700.00} from my savings account to American  Express Card Services. It did not post to my Amex card account. They can not say where it went, neither can American Express Card Services. I had to send them a letter asking them to investigate. No response so far.
Product: Credit card or prepaid card

I recently received an email offering an AMEX GOLD credit card with a bonus of XXXX points. I signed up and met the spending requirement quickly, but now Im told theres no record of the offer being extended to me. Ive called multiple times with no result ; I have been a loyal AMEX customer for 19 years. I never received prior promotion points from this card to make me ineligible..
Product: Credit reporting or other personal consumer reports

This afternoon, I found unauthorized inquiries on my credit report, and I have no idea why. When I checked as part of my regular routine, I noticed unexpected discrepancies. I even tried refreshing the browser, thinking it might be a glitch, but the inquiries remained. I am extremely frustrated and request that you thoroughly review the documents Ive provided to ensure I never have to worry about this again.
Product: Checking or savings account

Debit card gets put on fraud block and i can not use it for anything, support refuses to verify me under the basis that the number isnt in my name under public records however, me making a purchase on XXXX is what tripped the fraud system
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored.

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXXXXXX XXXX house. 

Sometime during my XXXX my credit card information was stolen. However both XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

XXXX has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}
Product: Credit card or prepaid card

I have had an account with Sears Citibank since XXXX. Per XXXX XXXX as of XX/XX/XXXX, I have 100 % on time payments and have never gone above my credit limit. My balance of {$1400.00} is part of a promotional deal which ends in XX/XX/XXXX. I am current on my payments to this account. I have discovered that Sears lowered my credit limit from {$2500.00} to {$1500.00} and currently lists my account in default on their website. Sears Citibank says the credit reduction was based on information from XXXX. My current credit score per XXXX is XXXX, XXXX is XXXX and my XXXX score is XXXX. 
I did run a high credit balance over the summer as I was making repairs to a home I was moving into as well as to the home I was selling. My mother had been living in my first house and paying rent until she passed away earlier in the year. I decided to sell a townhouse I purchased in XXXX and move back to my original home. All of my credit cards except for Sears Citibank and a revolving amount of XXXX were paid off the day of my closing, XX/XX/XXXX. I am in the best financial position of my life and yet on XX/XX/XXXX, Sears Citibank decided to lower my credit limit causing me to LOSE points on my credit scorXXXX. 
Note : I actually lost XXXX pts from XXXX on XX/XX/XXXX after paying off my second house mortgage as well as my largest balance credit card on XX/XX/XXXX. XXXX in comparison did lower my score XXXX pt upon paying off my second house mortgage but updated in the following XXXX weeks XXXX points and SYNCB/PAYPAL actually increased my credit limit {$500.00} per the XX/XX/XXXX XXXX report. It took XXXX until XX/XX/XXXX to increase my score XXXX points and again XXXX points on XX/XX/XXXX. 
I do not feel it is fair XXXX XXXX lowered my credit limit nor am I satisfied with XXXX reporting. Clearly, there is a disconnect. I currently have only $ XXXX of debt, of which $ XXXX is a mortgage on a home worth at least $ XXXX, nearly perfect payment history ( I did have a few issues with XXXX in the past which was related to their website, not my ability to pay, but I am not disputing ), $ XXXX in credit available with less than 15 % utilization, yet XXXX XXXX feels the need to lower my credit limit from {$2500.00} to {$1500.00}! Something is wrong with this system!
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 proces 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 479 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has successfully closed my checking account due to an overdrawn amount ( {$510.00} ). This is after a supervisor threatened me to be reported to chexsystems, in which they did affecting my ability to apply and get approved with other bank services. What's horrid about this is they have consistently failed to address my concerns including follow ups via chat and phone calls. 
I never neglected my overdrawn account, I'm the one who has communicated with them properly, but in return, I was given false or misleading information. They were no proper channels of communication from their end. Even XXXX, their so called " XXXX XXXX '' failed to truly identify their mistake, which I believe is the inability to connect and address concerns from their customers. He claimed that they followed the law and regulations that are congruent to reporting, but failed to re investigate and grasp the root cause of this chaos. If proper communication was only given to me, I would have proceeded to go another route ; if proper expectations were set firsthand, I would have not relied to any of their services pertaining to disputes.
Product: Checking or savings account

I called to ask why I did not receive {$300.00} promotional bonus for savings account. They interpreted the deposit dates differently than me. I responded that I thought their interpretation rather narrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is messing up my credit report this is a prepaid card not even their Money I requested that my late fees be remove and they have made matters worse they added late fees more to my credit report, I will get a lawyer and.sue you my XXXX XXXX XXXX on XX/XX/23 and I have his death certificate to prove I XXXX XXXX Please remove all of my late marks on my credit report its private and by law is not supposed to be shown. XXXX XXXX XXXX XXXX. Youre messing up my credit. and XX/XX/23 on the account XXXX XXXX and accordance with the fair credit acthas violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting so
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Tranunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Adavit to report one fraudulent account and a fraudulent inquiry appearing on my co
nsumer FICO XXXX credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent account consists of an OTHER account opened at XXXX XXXX XXXX XXXX XXXX XXXX on XXXX under the account number XXXX XXXX 
Additionally, there is a fraudulent hard inquiry from XXXX XXXX on XXXX. These fraudulent items have negatively impacted my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

My debt was transferred from Dept of Education to a private sector for debt collection. Under the current Cares Act and reformatory leniency, considering student debts I opted to take advantage. I was told a payment plant which would last 5 months before I'm out of default, and also, an option to pay {$99.00} for immediate opt-out of loan default. Upon calling this morning I was told that if I don't pay the full {$5000.00} that I wouldn't be able to remove the default, although it's been exempted in the Cares Act to help borrowers get back on foot for paying debt. This company is blatantly telling me they won't allow me to take advantage of this program. First I was told I'd have to wait 5months before I'm out of default although I'd be making payments and now I'm being told I have to pay the full {$5000.00} apart from any program to be cleared of student default. I would really like to start a process of getting my debt removed from this private business of the Dept of Education, which is Collections of XXXX at XXXX.
Product: Credit card

Hello, I had purchased a couch with two ottomons online at XXXX XXXX, based off of XXXX WA on XX/XX/24. The company website says guaranteed to ship in 7days but the couch didn't arrive until XX/XX/24. When the product arrived one of the pieces of couch was missing and they shipped a wrong item instead of it. I took pictures and immediately emailed the evidence to the company. I signed the BOL that the delivery team presented on their device which showed missing item. I rejected the wrong piece. I wasn't given the opportunity to selected the options on that device. ( This added info is missing from BOL that merchant provided to the bank ) I requested the company a expedited replacement for the missing piece but the company couldn't deliver it within a reasonable amount of time. So, I requested a full return and refund after the merchandise gets picked-up for which the company started to threaten me and said they will charge me for shipping costs and sue me if they find anything negative about the transaction on social media. They presented the condition of my silence on social media in exchange for a full return and refund. This evidence is in the email i submitted to CHASE bank and I uploaded it here also. 

I disputed the charge on my credit card with CHASE on XX/XX/24 and provided mountain of evidence pictures and email correspondence. 
The merchant later on XX/XX/24 after I submitted the dispute sent return labels but will not address my concern about refunding original shipping costs in the scenario that the items shipped were incorrect. 
CHASE Bank today XX/XX/24 closed the dispute saying the charge was valid. They requested more info yesterday XX/XX/24 after merchant review, which I provided with the Bill of lading of the return that I did on XX/XX/24. When I spoke to them on XX/XX/24, they assured me that they will continue to dispute based on the evidence of return of merchandise but they did not. The person I spoke to XXXX will not transfer me to the supervisor. They have ignored all my evidence and spent no time looking at the evidence I uploaded. 

Now I do not have the merchandise and have a credit card bill for {$3400.00} to pay. Original Transaction amount XXXX. 

Please help. As a consumer I feel lost, violated of my rights and unheard. I have more evidence if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE 2 : XX/XX/2020