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. XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Bank XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. XXXX, # XXXX, 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 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: Mortgage

I called in to Shellpoint Mortgage Servicing and was advised by a representative of two late payments which had occurred for XXXX {$27.00} and XXXX {$27.00}. Fast forward to XX/XX/XXXX, I called into Shellpoint and was advised a payment I made in the amount of {$270.00} the system only applied {$220.00}. I filed a complaint, as I did not authorize for the late fees applied to this payment. A representative stated once the payment cleared for XX/XX/XXXX the late fee will be removed. Unfortunately, this has not taken place and this company continues to display duplicitous practices time and time again.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I disputed a {$500.00} charge on my Chase credit card by XXXX XXXX ( XXXX XXXX of XXXX XXXX ), an attorney in XXXX XXXX, CA, for legal services she did not provide. I retained her on XX/XX/2017 to evict a tenant who was not paying rent. Chase dismissed my protest and upheld their decision upon appeal. 

Ms. XXXX alleges that she filed an eviction complaint with the court on my behalf but she would not provide me with a copy of the complaint, despite repeated requests, nor was the complaint reflected in the court 's online system. Accordingly, after giving her proper notice, I terminated our agreement on XX/XX/2017 and asked that she return the {$500.00} fee. She refused to do so. 

I filed a complaint with the State Bar of California ( attached ) and they ruled in my favor and issued a warning notice to Ms. XXXX. 

Chase refused to accept these facts and simply stated that Ms. XXXX did, in fact, file the eviction complaint and thus my dispute is not valid. 

Chase misses the point. Because Ms. XXXX was unwilling to provide a copy of the complaint, I terminated our agreement and thus lost valuable time in the eviction process.
Product: Money transfer, virtual currency, or money service

InXX/XX/2017 Google cancelled payments to my " wallet. '' They never notified me until I inquired. To which I was told, via email, they suspected fraud. I was given no way to discuss the matter over the phone or in person. I was told via another support person that my account was being investigated. 

They will not tell me what is wrong or reopen my account. I have {$930.00} US Dollars in the account that I can not withdraw. 

It is very misleading that I can have an account that they can choose to shut down without explaining why and not letting me access funds. 

Goggle wallet/spend is horribly unregulaged and they use and sell my personal information. There is no way to contact them as the " investigators do not have phones, '' as i was told. So what is stopping them from stealing everyone 's money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and attempted multiple times to remove the below incorrect personal information on my credit report. This below information does not belong to me and needs to be removed immediately with all inquiries and accounts that utilized this information. 


Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordancewith the Fedral credit reportingact. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # DiscoverBank, Account namXXXX XXXX XXXX XXXX XXXXccount name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiries that I did not authorize nor do I have any association with those creditors.
Product: Credit card or prepaid card

Hello, XX/XX/XXXX I need to resolve these issues to pay for school. I did file in XXXX, I filed XX/XX/XXXX for unemployment but have never collected any money. I have 4 days to fix it and my XXXX is my claim ID. I have only 4 days to fix this and I need help. Contact me ASAP please and I also understand that I have directly disregarded the warning. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to US 1681 privacy act my credit information has been released illegally in a Mass credit breach. I asked that all items on my credit report be removed immediately and not used as the mandate 30 day investigation. In which this does not apply my privacy, rights violated, and I asked at all items be removed from my credit immediately
Product: Credit reporting or other personal consumer reports

This account was charged off on following date : XXXX XXXX Since date of last avtivity has been inconsinstanly updated the last active XX/XX/XXXX on XXXX, equifax and XXXX, We can not say this account is 100 % accurate, it is demand inaccurate, and please delate this account.
Product: Checking or savings account

On XX/XX/2023 ; XXXX XXXX XXXX internet service was disconnected at XXXX. I called XXXX XXXX XXXX  on XX/XX/2023 to make a payment. However, I was unable to do so because I given the balance for my XXXX XXXX XXXX wireless service in the amount of {$170.00} which I paid on XX/XX/2023. I asked the XXXX XXXX XXXX representative if I could make payment for {$70.00} ( monthly payment ) and scheduled a payment arrangement for XX/XX/2023. I was told, no I have to make the full payment in the amount {$170.00} because my service is disconnected. My XXXX XXXX XXXX wireless phone is XXXX. I told the representative my XXXX XXXX XXXX wireless is not disconnected. The representative stated to me, I receive partial internet only some websites I am able to get. Also, my TD checking account was charged too many times for return checks when I customers are given a grace period to deposit money to pay for transactions.
Product: Debt or credit management

The company claims its name as Cordoba Legal Group. Initially was sent an email claiming to relieve debt, had an initial call and sent a document to sign that was not clear in details and terms. Reached back out to them to cancel the contract and have had no contact.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged position of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Transunion report number XXXX The following addresses have been PREVIOUSLY reported incorrect and are still showing XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX The following Inquiries were not made by me and have been requested many times to be removed. 

XXXX ). XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX DC XXXX XXXX/XXXX/XXXX
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 m! 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 cause
d significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I've examined my credit report and noticed several unauthorized accounts listed. Please find the details in the attached document.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX years. 

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX, New Jersey XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding a derogatory rating on my account. This negative mark is significantly impacting my credit, having already led to a loan application denial and increased interest rates on my existing credit accounts. The financial and emotional strain this is causing me is severe and ongoing. 

I formally request that you take immediate action to remove and block the negative entries reported about me to the three major consumer reporting agencies, in accordance with legal requirements. I expect this to be completed within the timeframe stipulated by law.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX a collections representative contacted me to collect past due payment on my car loan. After I tried to set up arrangements I was told on each call that I need to make a full payment or they can't guarantee the safety of my vehicle. On the call today XX/XX/XXXX I was told my car will be repossessed if I didn't make a full payment. My vehicle isn't even in the department that handles repossessions nor do the Representatives that I spoke with have the authority to issues a repo. Blatant violation of fdcpa regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and XXXX and have yet to receive anything.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNVERIFIED, INCORRECT, NOT MINE, NOT MY RESPONSIBILITY and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infraction is as follows : XXXX Account # XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that the above-mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. 

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

XXXX XXXX  is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's investigation did not fix an error on my report. This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Credit reporting or other personal consumer reports

For the last XXXX months ( XXXX ) I have tried to get the following credit cards validate on my credit report. I have requested validation of debt to XXXX and Equifax and the credit card companies XXXXXXXX XXXX  and XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.