23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV funding is listed as the original creditor on a collections account on my credit report. I have never opened an account with them. They have failed to ever provide me with the original contract with my signature stating that I ever agreed into any payment agreement or have ever opened any account with them. If they are collecting on behalf of another company then they have now inaccurately reported on my credit report by listing themselves ( LVNV Funding ) as the original creditor, and not who their collecting on behalf of as the original creditor. Due to these inconsistencies, I want this derogatory remark completely and immediately permanently removed from my report.
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

They call and ask me all kinds of personal information. When I ask what it is about they say they wo n't tell me until I verify personal information. I wo n't do it. They wo n't stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}
Product: Checking or savings account

Excessive fees, over charging, misrepresentation, incorrect banking statements, unfair credit reporting, wrongly withheld funds, closed account without notifying us properly. These events and fees caused excessive damage especially to our personal finances leading us to have to close a very productive business and sell our home and move.

It would take some time to obtain files but Im certain I could prove every allegation.
Product: Checking or savings account

XX/XX/XXXX {$4400.00} The financial institution put a hold on my account since XXXX of XX/XX/XXXX the and Ive been calling the security team since then but theyre ignoring my calls.
Product: Credit card or prepaid card

I was made aware of fraudulent purchases made on my Gemini credit card account that occurred on approximately XX/XX/2022 totaling approximately {$850.00} by receiving emails reporting suspicious card activity. The following transactions are listed : -XXXX, {$110.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 XXXX XXXX XXXX, {$49.00}, XX/XX/2022 XXXX XXXX XXXX, {$110.00}, XX/XX/2022 -XXXX, {$7.00}, XX/XX/2022 -XXXX, {$110.00}, XX/XX/2022 XXXX XXXX XXXX, {$190.00}, XX/XX/2022 I immediately on XX/XX/XXXX sent a support ticket that I did not in fact make these purchases. I was told that I would have to wait about a week for the purchases to be posted on my account. Approximately a week later, I sent another request detailing all of these fradulent purchases. They opened a dispute case. 

About XXXX and a half months later, I was informed today, XX/XX/2022, that my fraudulent activity claim was denied. I informed Gemini via support email ( as Gemini does not have a phone line support I can contact ) that I will not be paying for any fradulent purchases I did not make, and will file a police report if necessary. I have taken steps to file this CFPB complaint to ensure Gemini does not intend to expect payment from consumers like myself that are victims of credit card fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.
Product: Checking or savings account

Bunch of XXXX  committed money missing out of my account unauthorized charges from cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Santander Consumer USA, & XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me their reinvestigation of the fraud address OF XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX place on my credit by experian and XXXX to my knowledge. My FTC identity theft # XXXX. 
REPORT # ATTACHED under my name XXXX XXXX XXXX It lists the creditor info as follows COMPANY NAME NO ACCOUNT NUMBER XXXX XXXX states they removed it. 
Ok. I need the creditor information of the entire credit detail inquiry PLACED ON MY CREDIT WHILE I HAD IT FROZEN XX/XX/2019. THIS is unacceptable. The FCRA ACT STATES I am legally entitled to the creditors information so that I can call and investigate. XXXX send me the total details of the credit inquiry placed on my XXXX and experian credit while frozen XXXX XX/XX/2019 of XXXX XXXX XXXX XXXX Virginia. 
Or is the companies name Company name no account number. 
Because this has my personal paid for fax service NUMBER XXXX of XXXX linked to it. So this means XXXX this FRAUD creditor AND THIS IDENTITY THIEF has my fax I pay for {$19.00} per month for and I have had interceptions of my legal document transmissions. SO THIS IS GETTING REALLY LEGAL XXXX. And experian Please submit your response thru the cfpb portal for local state and federal law enforcement investigationscoming up real soon I hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Product: Credit reporting or other personal consumer reports

I obtain a forbearance from Carrington Mortgage in XXXX of XXXX  due to water damages to my home as a result of hurricane Eon. Insurances companies have been cancelling home owners policies for no cause, I was already paid a high premium. I reached out to the lender for help. I could not live in the home due to window and flooding damages. I chose to make the needed repairs myself. I was approved for 4 months of no payments without penalties-late charges or reporting to credit bureaus. 

Additionally, I experienced a person tragedy-my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in ICU from a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately, like million of young Americans he did not have health insurance. I was force to fight to save his life by paying for a lot of his health care. 

I request that Carrington put the outstanding amount to the back of the loan-they refused. I was told that all outstanding payments must be brought current. This was the only option. I spoke with several representatives from the loan department- at no time was i told that the forbearance will be negatively reported. 

I took money from my retirement fund and made the full payment-bringing the account current. I called several times and spoked with represents I subsequently made ALL payments on time until the selling of said property in XX/XX/. 

I was appalled to find out that Carrington report me as being late for 30-120 days. This has negatively impacted my credit. This is unethical and wrong! Must I be penalized for the next 7 years? 

I am respectfully asking for assistance in expeditiously resolving this issue.
Product: Debt collection

I am in a debt relief program. Ive a script from XXXX XXXX XXXX that has been told to the callers numerously. XXXX XXXX XXXX has had me put their number in for them to contact and they still call my wife and I, ignoring the number update.
Product: Credit reporting or other personal consumer reports

I have already filed this once and it did get resolved, here we are again. In XX/XX/2024 they yet again changed it to in repossession. When in fact it is not. This is hurting my credit file and way of life. Please for the last time do something or Im sueing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The dispute is that I do not owe this debt. I did an FTC report with the credit bureaus. They have not provided information to validate that this debt is mine. Please help with this matter as my credit is being damaged.
Product: Credit reporting or other personal consumer reports

I have hard inquires on my report that I would want removed off my report due to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

BANK OF AMERICA is committing fraud on me .Under 12 CFR 1005.2 ( I ) this is my account as a federally protected consumer and they have placed a {$2500.00} credit limit on my account without my expressed consent which is fraud.Under Regulation Z of the Truth in Lending act banks cant extend credit or loan money.BANK OF AMERICA is deceptively creating the impression that they are the ones funding this account and that this account belongs to them which is fraud and federal violations.
Product: Checking or savings account

I own a law firm in XXXX. My firm was victimized by a check fraud scheme. We notified our bank, Fifth Third, and yet the bank continued to cash clearly altered, fraudulent checks on our account. Fifth Third has refused full reimbursement. We have spent an inordinate amount of time over the past 8 months trying to resolve this problem with Fifth Third. Their bureaucracy is incredible. 

Fifth Third failed to protect and reimburse our business. Fifth Third does not have strong protections in place to prevent unauthorized account takeovers. It is my view that Fifth Third misleads and misinforms victims of fraud, and illegally denies reimbursements. 

While banks are supposed to be the safest place to keep money, Fifth Thirds negligence has allowed scammers to breach the vault. If a bank can not secure its customers accounts, it is failing in the most basic duty. 

Ohio Revised Code 1304.30 ( UCC-401 ) prohibits a bank from charging against the account of a customer an item that is not properly payable. Properly payable means that the charge was fully authorized by the person who wrote the check. Accordingly, when the bank pays on a charge against a customers account based on a fraudulently altered and/or forged check, the charge can not be properly payable. 

As stated above, the fraud was repeatedly reported to Fifth Third, and yet the bank continued to cash forged checks. As stated above, it was not difficult for Fifth Third to identify forged checks : the name of the payor was altered, and the signature was not even a close facsimile to the one on file. 

ORC 1304.30 and the UCC places a duty on the bank of the payor account to make its account holder whole in the event it pays on a charge made through a fraudulent check. The policy rationale behind placing the initial liability on the drawee bank rests on the belief that the relationship between the bank and the account holder is contractual in nature, and the banks paying a charge based on a fraudulent check violates its agreement with the account holder only to pay those properly payable charges. 
In the instant case, and pursuant to UCC Section 3-406, XXXX XXXX XXXX XXXX XXXX exercised proper and ordinary care, promptly reported the multiple incidents of fraud, and in fact relied on the assurances by Fifth Third that the issue was being corrected and the account was secure. 

We now understand that bank account fraud is an epidemic problem in the financial system. However, this is even more reason for Fifth Third to employ strategies to better protect its customers assets. Yet despite this epidemic, it is clear that Fifth Thirds procedures did not effectively respond to notices of unauthorized payment orders or defeat ongoing fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Gas south charge off for a fraudulent account and an settlement offer with Exeter financial. These companies are intentionally holding my credit growth up and I want it taken off all my credit reports immediately. I feel like this is racially motivated to AA from having good credit I dont need a hand out but a hand up I pay my bills on time even when Im struggling through this pandemic. Please review my reports from all agencies and kindly have them to remove immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently filed a complaint and the company requested more information. I provided this information invalidating their claim of valid information reporting again and they continue to report the information. I am requesting information for the validation of these accounts as proof a validation. I have requested this information several times prior to this and the other complaint. I have emailed the executives of Experian to review this information as well and to no avail no response but updates of the same information. The company is in violation of my FCRA rights as a consumer to have accurate reporting information on my profile. I will attach the proof from the reporting agency XXXX XXXX  that this credit reporting agency claims to get this information from. I have also attached a copy of the email to the executives of Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit card

First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  - XXXX {$86.00} DATE OPENED XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the XXXX XXXX XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX {$61000.00} XXXX XXXX XXXX {$61000.00} XXXX XXXX XXXXXXXX {$0.00} XXXX - XXXX {$0.00}