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

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

ON XX/XX/22 RECIEVED AN EMAIL FROM WELLSFARGO SAYING THAT IVE OPEN XXXX WELLS FARGO CHECKING ACCOUNTS
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts are inaccurately reported with wrong amounts and dates.
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 time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) adn Regulation E. These actions have caused significant inconvenience and financial loss, adn i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their failure to provide me with an updated credit report, despite my repeated attempts to contact them. I requested an updated credit report from XXXX through their official website, but they do not have the correct information. Despite the statutory requirement to provide a free annual credit report, I have not received any response or update from XXXX. 

I have made several attempts to contact XXXX via phone and email to resolve this issue, but I have been unable to reach a representative or receive any form of communication from them. This lack of response is not only frustrating but also a violation of my rights as a consumer. 

The failure to provide me with an updated credit report has caused me significant inconvenience and stress, as I am unable to monitor my credit status and take necessary actions to protect my financial health. 

I kindly request that the Consumer Protection Bureau investigate this matter and take appropriate action against XXXX to ensure they comply with their legal obligations. I also seek your assistance in obtaining my updated credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following companies made unauthorized hard inquiries on my credit. 

Consumer Portfolio XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio XX/XX/XXXX Global Lending Service XX/XX/XXXX Ally Financial XX/XX/XXXX DT Credit XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX Global Lending Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX Comenity Capial/COSM XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exclusive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Prestige FIN XX/XX/XXXX Flagship CRE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Superior MIT XX/XX/XXXX Maryland Auto XX/XX/XXXX
Product: Credit card or prepaid card

I have taken a  XXXX  credit card via  Comenity LLC  while purchasing my phone back in  XXXX  and have been paying monthly since then. After  one year, Comenity  decided to end the credit card partnership with   XXXX  and they decided to change clause up to their own interest, without my consent. They have also send a letter that they are closing the account but i can still pay remaining balance on a monthly basis. I have been making regular monthly payments and by   XXXX   XXXX  , all that was left was {$150.00} as my credit card balance to pay them. I also called their center few times in   XXXX   XXXX   to understand how the new rule works and if i should close the account by paying off remaining balance. What i have informed was there is no connection with  XXXX  anymore and they do n't have any information regarding my credit card. But I kept paying online through their portal and in   XXXX   XXXX  , I was shocked to see a charge of {$180.00} interest alone for {$150.00} remaining credit card balance and takes the total to {$330.00} in remaining balance. Within couple of days I paid off the {$150.00} original balance. There is no one that i can talk to or reach out to at the firm to understand this outrageous charge and hence I request   XXXX   XXXX   XXXX   to step in and kindly help me in this regard. Thank you
Product: Checking or savings account

Hi CFPB, I signed up for an account with US Bank where I would receive {$300.00} after having two or more deposits totaling {$2000.00} or more in the first sixty days of account opening. I have fulfilled this requirement but have yet to receive my {$300.00}, and US Bank is not holding up to its end of the promise and honoring the promotion. Could you please look into this for me? I do not feel like this is how a bank should treat a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of Limitation. These items are holding me hostage for a better life for myself and my Family.
Product: Debt collection

I am submitting this complaint on behalf of my client, an account from Transworld System Inc showed up on his credit report with a balance of {$3300.00}. He hired our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to work on his behalf, we reached out to Transworld Systems to have them validate the account. The letter was successfully submitted on XX/XX/2022 via fax ( proof attached ) but up to this date we have not received an answer, but the account is still reporting on my client 's credit reports. I am requesting per the Fair Debt Collection Practices Act that this account be deleted immediately off his credit reports since it can not be validated, plus the 30-day investigation window has expired. I have called but they have yet to remove the account. This is illegal and I hope you can offer some help in this situation.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash Appraised 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 an financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

During this loan modification attempt, DiTech had repeatedly asked for a XXXX form in several different ways on a dozen different occasions. We provided this to them within a days time each time. This, in turn, flagged the IRS and we had to order a verification of non-filing directly from the IRS which of course took forever. There were times when I called to get updates on this application and representatives had not even seen any supporting package documents. DiTech then turned around and said that they closed the mod due to time lapsing. We had been advised this a week before the clients sale date.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has XXXX XXXX hard to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

Ive been receiving phone calls from portfolio recovery for over the last two years. They will call me from numbers I will tell them to not call and they will call from a different number and I will tell them again to not call me back and they do from different numbers in state and out of state. They will call all hours of the day and night. I will block the number they called from and then they call me back on another number immediately. If I get a call from them and I ignore it they will call me back immediately again from another number. 
They also send me mail all they time in different formats of mail, letters, prize type award stylized letters
Product: Credit card or prepaid card

The morning of XX/XX/2020 I attempted to pay the XXXX balance ( {$830.00} ) on my Apple Card serviced by Goldman Sachs. I attempted to make a payment via my XXXX 's built in XXXX XXXX and was presented an error. After attempting a few more times and still receiving the same error I contact their support via XXXX. I was instructed to try again in a few hours as they have been having issues processing payments. 

A few hours later I attempt to make a payment again ( {$830.00} ) and it went through with out error. When reviewing that the payment was successful two payments showed within the XXXX XXXX XXXX both posting at XXXX CST ). I again contacted customer support to inform them of my new issue and was informed that the payment would be canceled ( not processed ). 

The following day I inspect my XXXX XXXX again and see a third payment on my account for {$300.00} posting a XXXX CST. I again contact support and was told the payment was canceled. 

Later in the week when checking my bank records I saw all three of these payments debited from my account and saw that the second & third payments where later refunded. After verifying in the Wallet App I am seeing " Balance Adjustments '' for the amounts of the refunded money increasing the balance on my line of credit. After digging through my record it appears as if the system initiated overpayments where applied to an installment plan I had for my XXXX but when refunded the moved from interest free financing to my line of credit and are now accruing interest. 

After many conversations via chat & phone being told my issue would resolved on their end and notified when done, I will be getting a call back to discuss options, I would be receiving a {$50.00} balance credit for my troubles, to me needing to go into he XXXX store and have them return and resell me my phone. 

I finally got contacted by a manager that informed me that all they could offer was. a {$50.00} credit and by accepting it I would be ok with the resolution. I was earlier offered the credit as compensation for the issue as a sign of good will but it had turned into an absolution of guilt and still leaves me with a balance accruing interest unrightfully. I declined to accept the offer and insisted on being made whole again with my account reverting to pre-multi-payment system issues to which I was told they saw this as my issue as I made multiple payments ( even though they acknowledged the system issue prior and after multiple times ) and that I may not receive a better offer. I was told that it would be forwarded on and that I may be receiving a response or maybe not so I turned to you to fill a complaint. 

Attached is the email acknowledging the issue, the chat conversations I had, my statement before / after the issue showing the removal of my installment item.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : 1. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports.

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with XXXX, Equifax XXXX and XXXX. Although Equifax and XXXX have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), XXXX has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with XXXX have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation
Product: Checking or savings account

Wells Fargo Legal Team has stated and confirmed as per XXXX  ( Wells Fargo employee with Legal Team ) that accounts XXXX, XXXX, and XXXX were closed in XXXX, however, attached is documentation from Wells Fargo on these accounts being accessed in XXXX - so not closed. In addition, they still have not produced accounts XXXX, XXXX, and XXXX for going on XXXX  months now since initial request and subpoena. In addition, still have not produced any records for Safety Deposit Box closed in XX/XX/XXXX as per the customer visit summary provided, nor how they were closed as lost or they can not find.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by XXXX that my credit was pulled by Bank of America. I have no need to use BoA and didn't request anything from them. I tried calling the BoA number on the XXXX report but was continually disconnected because I don't have an account with them. I then had to use XXXX XXXX  to try and speak with a BoA rep who then told me ( without asking any confirming information ) that there was no way BoA pulled my credit and XXXX was wrong. Now just days later I received a credit card from BoA using a name I haven't used in 20 years for a credit card I don't want. No one at BoA will help me and now my credit has been expanded for usage for a card I don't want. Lack of any help at all from BoA has been shocking. I can't tell who asked for the card, if there has been fraud, etc because I can not get a rep to respond to my inquiries.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX continue to allow fraudulent names and addresses to remain on my account. I am unable to dispute this incorrect information ( identity theft ) because the personal identifying information you are prompted to submit either by their online services or over the phone I am unable to provide because they are requesting information that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX  XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 was hospitalized for Covid 19 from XX/XX/XXXX to XX/XX/XXXX. I was incapacitated and could not make my mortgage payment but I had the money in my bank account. When I came to on XX/XX/XXXX one of the first things I did was to make the XX/XX/XXXX mortgage payment. I have a great history of making payments with no 30 day lates on any of my 17 accounts. I got a letter from my doctor and sent it to Shellpoint on XX/XX/XXXX. They subsequently removed the late payment penalty penalty and they said they would reverse the 30 day late payment on my credit reports. .But as of now they have not removed the late payment with XXXX  even thought it appears they have with XXXX  and XXXX XXXX XXXX I have spoken with them ten times and they are refusing to remove the late payment with Experian. Please advise.
Product: Credit reporting or other personal consumer reports

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a medical bill due to XXXX hospital failing to get insurance information at the time services were rendered. Moved out of state and did not receive notification of bill. Hospital than sent to collections. In XXXX I disputed this bill with that collections agency and it was removed from credit report. In XXXX of XXXX this bill was than added back onto my credit report and negatively re aged by XXXX. Disputed again with them to which they have no success and do not plan to age the account to the original date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXX XXXX  LATE PAYMENT Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 : 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, 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. 16815-2 ( 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.