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

I disputed an account with TransUnion Credit Information Services on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. XXXX and TransUnion stated to me the account was removed and then reinserted back on by the XXXX XXXX. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.
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 proce 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 XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

I was sent information on a company called,  National wide biwee kly administration, inc to help me pay my mortgage faster and in 2 monthly payments instead of  one large one w hich never got to my  XXXX  housing finance mortgage company on time causing me late fees and when I complained they cut me off keeping  3 ful l work checks of mine saying that was there fee for do me that favor. So they stopped completely which I have the letters stating that they are in management changes but I can not get my fee back or other losses.   My account with them is #  XXXX  record number :  XXXX . I want  my 3  checks I paid for for this service which equals to at least {$5000.00} and then the penalties I had sustained for them not getting my mortgage in on time.  Rounded is  about another {$1000.00} not to mention the bad smear on my credit for being late on my mortgage it cost me. I could n't reocer for 1 year and have. It 's now that I 'm catching up. I had people coming out from mortgage company checking on my house and it 's a well kept house. I was very embarrassed. I want this company held accountable for doing this to a bunch of. I am willing to sue this company for pain and suffering a sell as all my lost for at least {$50000.00}. FHA is not the problem it 's  Nationwide biw eekly. I see on your government website that others have complained to case  XXXX   XXXX
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. WAKEFIELD & ASSOCIATES  does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105  states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-108 ( a ) ( 1  ) Every collection service shall have, for each location at which it conducts business a locatio n manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123 sta tes a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor . WAKEFIELD & ASSOCIATES is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Debt collection

XXXX is reporting a debt kn my report that is passed 10 years old please verify please send me the original when this account was opened and when it went bad by the original creditor XXXX has changed the original fates of this debt please verify
Product: Credit card or prepaid card

I paid off my capital one card after my automatic payments because they did not pay the full balance. Then they restricted my card for fraud and my credit score is dropping because of it. My balance is XXXX and they still restrict it with no help.
Product: Mortgage

Applied for a mortgage on a property ( no existing mortgage, no other liens ). Property was assessed at {$440000.00}. Loan amount of {$150000.00} denied because " Value or Type of Collateral not Sufficient. '' Dishonest banking practice throughout the process.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

Fifth Third Bank transferred {$850.00} from my checking account ending in XXXX to my mortgage loan account ending in XXXX on XX/XX/24 in error. This has caused my checking account to be overdrawn by ( {$390.00} ). I havent been able to use the funds in my account since XX/XX/24 as a result of this which is very inconvenient and causing financial hardship for me.
Product: Student loan

Collecting on debts that have been discharged through bankruptcy might not only violate the Consumer Financial Protection Act 's prohibition on unfair, deceptive, and abusive practicesit could also violate the order of a United States bankruptcy judge this includes student loan debt.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report, I noticed that I've been a victim of identity theft and found a credit inquiry I have no knowledge of here are the inquiries that I've found XX/XX/year> please Remove these fraudulent inquiries from my credit report. I've also attached my identity theft report as well
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding XXXX 's Inaccurate Reporting Subject : Complaint Against XXXX for Reporting Inaccurate Information on Credit Report Date : XX/XX/XXXX Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Complaint Details : Credit Bureau Involved : XXXX Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX I am filing this complaint to request the immediate removal of inaccurate and unverifiable information reported by XXXX on my credit file, specifically concerning the XXXX XXXX XXXX account. 

XXXX is reporting " Charge-Offs ( CO ) '' for the months of XXXX and XX/XX/XXXX, which are inconsistent with the factual history of this account. Furthermore, XXXX has inaccurately reported delinquency statuses, including ( e.g. 60, 90, 120, and 150 days past due ), without proper validation or verification. 

These reporting inaccuracies are violations of 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S. Code 1681e ( b ), XXXX is required to maintain maximum possible accuracy in the information reported. Failing to verify this information violates my rights under federal law. 

These violations, along with XXXX 's history of compliance issueshighlighted by the CFPB 's recent enforcement action that resulted in a {$15.00} million fine for failures in investigating credit reporting errorsnecessitate immediate action.

Request : I respectfully request that the CFPB : 1. Direct XXXX to remove the inaccurate charge-offs and delinquency statuses from my credit report for the XXXX XXXX XXXX account due to their unverifiable and inconsistent nature.

2. Ensure XXXX complies with its obligations under 15 U.S. Code 1681 ( i ) and 1681e ( b ).

3. Hold XXXX accountable for its failure to follow proper procedures, causing harm to consumers like myself. 

Attachments : 1. Screenshot of the XXXX credit report highlighting discrepancies. 
2. Payment history for XXXX XXXX XXXX from XXXX. 
3. Copy of the CFPB press release on the {$15.00} XXXX fine. 


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

Equifax continues to report fraudulent information on my credit report even after i have taken all the necessary steps to rectify and correct the problem. XXXX, XXXX, and XXXX XXXX are accounts that were open in my name apparently by a relative who used my information without my consent. I 've been aware of fraud since XXXX when my purse was stolen. Every since then from time to time accounts pop up n my credit that I unaware of. XXXX and XXXX have removed all fraudulent accounts but not Equifax. Besides the fact that their website has been hack too many times one could not easily not trust them with vital information being stored safely and be reported correctly, I see their action as negligent and a violation of my consumer rights as a identity theft victim. Fraud does n't mean an account does not exist it simply means an account was open by someone pretending to be the victim. They do n't seem compassionate and have shown that they want to keep this on my credit file even though I have an official police report as well as a identity theft report from the FTC. I appreciate the other 2 bureaus for being professional, ethical, and fair. its my hopes that this complaint will alarm other consumer agencies to investigate their unethical practices. I 'm suffering damages because of their negligence and desire that they follow the same guidelines as XXXX and XXXX. I 've literally done everything but file a lawsuit when that should n't even be considered.
Product: Debt collection

On XXXX XXXX, I disconnected my XXXX  services in preparation to move to XXXX OR, which is not a service area for XXXX. They removed the early termination fee from my bill and credited the account. That left my account with a credit of XXXX. Once my final bill was printed the cancellation fee was added to back to my account along with other minor charges that were clearly AFTER my termination. 

This account has been turned over to a collection agency- it is not a valid charge and I should have received a credit BACK from XXXX. The balance on this account is simply due to the charge of the Early Termination. 
XXXX was also aware that I was moving to XXXX Oregon as they sent my final bill to my Oregon address as seen on the enclosed bill. 

XXXX has not been willing to help or rectify this bill. The collection agency changes every few months and no one is willing to help. I am not sure of where to even send this cry for help.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX regarding my issue with them sharing my personal information with nonaffiliates which includes EXPERIAN, XXXX XXXX XXXX and XXXX. According to XXXX privacy policy which is also attached states that they do not sell or share my personal information with non affiliated XXXX parties I have made multiple attempts to opt out of them reporting my personal information which is backed by the privacy act of 1974. Copies of notices are attached. 

Not to mention Webbank/fingerhut, EXPERIAN, XXXX XXXX XXXX and XXXX an are reporting income to my report which illegal according to the IRS publication XXXX XXXX  is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Webbank/fingerhut is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d If This account startin with XXXX is not removed from all credit reporting agencies I will be filing the appropriate forms on all parties involved with the appropriate authoritative agencies such as the IRS to combat the fraud perpetrated against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX continues to show an open balance when I have tried consistently to resolve this, At first this company wa sall good my score went up. I went through the whole program and finished. 
There was a zero balance and they even sent a check back to me to indicate I am finished with the program. 

Then I heard nothin else and now they keep showing a balance and keep reporting incorrect information on my credit report. 
ask them to mail you the letter that my account zeroed out and I succesfully finished their program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to work due to an extreme circumstance, so I got behind. The Capital One rep at the time waived the late fee from XX/XX/XXXX - XX/XX/XXXX and I asked him would that be updated on my credit report because I have a 30-60 late on it. He told me yes. It was never waived and I have tried many times, but no one is being helpful at all and just reading the standard credit reporting script.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I submitted a request with Equifax.com to freeze my credit account. After submitting the pertinent information, I received a response " We 're sorry ... .we can not process your online request concerning an Equifax security freeze. To assist us in processing your request, please submit in writing the required items outlined below : Complete name, complete address, Social Security number and date of birth. '' to Equifax Information Services, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX*I AM NOT GOING TO SUBMIT THIS PERSONAL INFORMATION VIA MAIL IN AN ENVELOPE ADDRESS TO EQUIFAX XXXX!!!!!! 

After calling the automated Equifax Automated Information Request Line at XXXX, prompt # 3 Security Freeze and providing my state, social security number and numeric portion of my current address as requested, I have learned that my Equifax credit account is in fact FROZEN. I never received a 10-digit Personal Identification Number ( PIN ) for future reference to temporarily or permanently unfreeze my account in the future because at the time of my on line application/request, I was informed that my online request to freeze my credit account was unable to be processed at the time. 

I 've tried several different avenues of communicating my concern and frustration attempting to get instruction on how to proceed with handling this matter, and most of all, how I can gain access to and recover my 10 digital personal identification number ( PIN ). I 've called 10+ automated phone numbers i.e. Equifax Freeze Response Hotlines,  FTC Consumer Response Hotlines, and Consumer Financial Protection Bureau to get assistance with no avail to finding a solution to this problem.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXXXXXX {$160.00}
Product: Payday loan, title loan, or personal loan

Dear Total Auto Finance, I am writing to request investigation of the following : Contract # XXXX Dated XX/XX/2020 Dispute XXXX Down Payment Amount {$3500.00} Explanation on dispute : I Been Scammed. A contract for the vehicle stated a down payment amount {$3500.00}. However law states No cash should be exchanged with a successful credit transaction 15 USC 1679a-2 : Consumer Credit Transaction Credit was approved with multiple lenders ( Total Finance and XXXX XXXX XXXX XXXX was charge fraudulent charges and defrauded. 
15 USC 6802b : Obligation Will Respect To Disclose Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Funished information from Portfolio Recovery Associates multiple times. 
XXXX XXXX XXXX XXXX for an alleged debt of {$4600.00}. 

This collector is not forthcoming with actual verification to pursue this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

according to apple/gsbank apple card does not have a limit which is absolutely false these guys are reporting false statements on my credit report.. also these guys have violated my rights time and time again according to 15 USC 1681 my right to privacy by reporting incorrect statements!! apple does not have the right to furnish my account without my written consent which is a direct violation of the privacy act in truth in lending in truth!!
Product: Credit card or prepaid card

A week ago, I received several chargeges from XXXX that I didn't order. 
After several fees and double charge, i still had a 59+ balance but my card kept getting declined. 
I have tried several times to make purchases and transfer cash but nothing works. 
I received a direct deposit from my paycheck, and I still can't access my money. 
This started almost 5 days ago, XXXX. 
The cuatomer service number is automated and doesn't give an option for any resolution. 
Please investigate American Express XXXX XXXX, Bluebird prepaid cards, I fear I am being robbed.
Product: Bank account or service

The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove XXXX XXXX account which was opened as a fraud. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit card or prepaid card

XX/XX/2023 I advised Capital One charges made to my account were not authorized. I filed a fraud report 15mins after receiving fraud alert. All charges were reported as fraud. Additional charges were declined at my request. My fraud claim was denied. Capital One did not honor my statements or documents I received showing fraud claim was made immediately. I never received items. Items were purchased fraudulent outside of the country.