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

I recently pulled my Equifax credit report from the free annual credit report site. I found some incorrect information on my report but can not dispute it because Equifax has not allowed me to login to my credit file for over a year now. I do not have this problem with XXXX  or XXXX  - never have. With Equifax I constantly get an error message that advises me to call in. I spent a lot of time calling in last year in XXXX and the problem still isn't resolved.
Product: Credit reporting or other personal consumer reports

To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( TransUnion ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company. In pursuant to 15 U.S.C. 1692k I am owed XXXX for each missed payment found within my Consumer Report ( 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 my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report from Capital One where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.
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 posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. This also happen on my credit card account and I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Identified Violations and Compensation Request : XXXX. Inaccurate Reporting : Violation : The account status is reported as Pays As Agreed despite inconsistencies that may suggest otherwise. 
Compensation : Request {$7500.00} from XXXX XXXX  XXXX and {$7500.00} from Equifax for this violation. 
XXXX. Missing Purchaser Information : Violation : The report does not indicate to whom the account was sold, which is a requirement for accurate credit reporting. 
Compensation : Request {$7500.00} from XXXX XXXX  XXXX and {$7500.00} from Equifax for this violation. 
XXXX. Incomplete Payment History : Violation : The payment history details are incomplete, which violates the requirement for comprehensive credit reporting. 
Compensation : Request {$7500.00} from XXXX XXXX  XXXX and {$7500.00} from Equifax for this violation. 

Total Compensation Request : XXXX XXXX  XXXX : {$22000.00} Equifax : {$22000.00} These issues constitute violations of the Fair Credit Reporting Act ( FCRA ) and possibly New York State General Business Law 349, which mandates accurate and complete information in credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Equifax Information Services LLC any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of investigation results from XXXX on XX/XX/2018 stating that the erroneous reporting account numbered XXXX from XXXX XXXX XXXX has been verified as accurate. I have been fighting this problem with erroneous reporting with XXXX since XX/XX/2018. In the enclosed docs, you will find a report from the XXXX website indicating an investigation had been completed on XX/XX/2018 on account numbered XXXX, and more specifically, the account being reported as having 10 missed payments. This account was opened on XX/XX/2018 and closed on XX/XX/2018 and the Highest Balance reported was {$35000.00}. As you can see under the title Dispute Reasons, XXXX states that the payment history/rating is incorrect and the creditor agreed to delete this account. Now on XX/XX/2018, the account is still erroneously reporting on my credit report. You will also find in the enclosed docs that XXXX has deleted this account from my credit report because they couldn't accurately verify this account. I demand that XXXX  and Experian also delete this erroneously reported account from my credit report due to defamation of character and negligent enablement of inaccurate reporting.
Product: Debt collection

n accordance with Fair Credit Reporting act Convergent these Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$760.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance : {$0.00} Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance : {$6400.00} Account Number : XXXX Account Name : XXXX XXXX M Account Balance : {$9400.00} Account Number : XXXX Account Name : T-Mobile Account Balance : {$3500.00} Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$1300.00} Account Number : XXXX Account Name : XXXX Account Balance : {$320.00} 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

Equifax credit bureau does Not want show me My credit scorer on there official website, with a message show on there website regarding to my account ( We are temporarily unable to provide your credit score. Please try again later. ) I called Equifax company more than 4 times telling them Please show up my credit score and returning back my credit score, because you deleted it/ wiped my credit score all my years trying to building up, unfortunate they informed me there's nothing we can help you with. because this problem still exiting it's still affecting me with negative way I'm getting rejected apply for loan from XXXX 's because my credit score in Equifax credit bureau does not show up when XXXX 's run my CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$0.00}XX/XX/XXXX XXXX  {$430.00} XX/XX/XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX   {$1900.00} XX/XX/XXXX XXXX  XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX {$530.00}XX/XX/XXXX XXXX XXXX   {$450.00}XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/2022 I Paid my friend via Chime bank transfer via XXXX XXXX. My friends name was listed as a username and so I sent him {$100.00}. He never received it. I inquired about his payment with calling Chime customer service. They said it had gone through. I asked them if I could three way ( conference call ) with XXXX ( the intended recipient of the monies- {$100.00} ). They said okay. They took his personal information and acknowledged on the phone that it wasnt his account, despite it being his number listed. I requested my money back and the transaction cancelled, but they declined and wrote to me stating this instead. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX  - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$100.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I at first only wanted my money back. But then realized, what if Chime has opened all these accounts with peoples numbers that arent them. I cant be the only one who sent to a username that was populated in the Chime app by Chime accessing my contacts in my phone.
Product: Credit card

I am attempting to redeem my earned rewards through my Barclay credit card and am receiving multiple errors. The initial error I received last week said the site was under maintenance. I've tried again today, the site loads and I'm able to select my travel purchase for my redemption statement credit. I asked to redeem 200,000 miles, while I have a balance of 200,085 miles. When selecting redeem, the website produces an error saying please enter a valid value. I called customer service, who said their system was down and they were unable to do the redemption, but they can walk me through the redemption process. They had me try the same steps that I had tried on my own and received the same error. Per their suggestion, I requested a lower amount 197,500 miles for {$1900.00}. It too received the same invalid value error. It seems to me they do not want to redeem this earned reward.
Product: Credit card or prepaid card

On XX/XX/2021, the mobile phone received a text message confirming a purchase of a chase credit card. I didnt know it, so I sent a text message to reject the transaction, but I checked the bill and found that a previous purchase had been made successfully. The consumption amount was {$1200.00}, so I Contact Chase customer service, they said they would investigate, the amount was temporarily removed, but after a month, the charge was recharged, I contacted customer service, they asked to submit the alarm record, after I submitted it, they said it would take 90 days to investigate, and the result is now all 9 months have passed and no investigation results have been released
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem I'm having is I've contacted the 3 major credit bureaus and asked them numerous times to validate inaccurate information on my credit report. I will attach the letter I sent to all 3 credit bureaus.

All 3 bureaus mailed dispute result back claiming to have verified the items on my credit report. Now the issue occurs because they did not validate the information from the original data furnisher via by mail they did it electronically and also, they never produced a copy of the signed contract with my name on it. The 609 Fair Credit Reporting Act the ( LAW ) requires that the information on my credit report must be accurate, verifiable and not outdated and 100 % accurate. They all have failed to comply with the law and now I'm seeking assistance from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
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 an 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 fraud transfer act ( efta ) and regulation E. these actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX  {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

We closed our refinance with XXXX XXXX  back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to Mortgage Connect the escrow company that closed our loan. When I reached out to Mortgage Connect for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to XXXX as per their request. Until today I have not heard back from Mortgage Connect or any one from XXXX regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX 2021- XXXX XXXX 2021. I submitted over five payments and they were all sent back from the bank. amount {$510.00} was reported late when it wasn't by XXXX XXXX  bank XXXX. I made multiple payments. I called daily I have claim numbers as well when I called .XXXX my late fee 's were deleted because the payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

I have had a financial hardship and have filed for a loan remodification. Since I have filed for a loan remodification I have requested other information to be mailed and emailed that I have not received. I have also had problems every time I call them and can never get through to speak to someonethat is handling my case. My options are to leaves voicemail and wait for someone to call me back within 24 hours and i still do not receive a call and I 'm always having to call back and speak with someone that is not assigned to my case/loan, which is frustrating and time consuming. As of now I am facing foreclosure and am required to vacate my home within 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a billing error in the amount of [ {$1400.00} ] on my account. The amount is inaccurate because [ XXXX XXXX  has been overbilling me for XXXX Fees for 18 months ]. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ my requests for them to correct the balance due and apply the {$1300.00} of payments made towards my account which was {$1200.00} ) supporting my position. Please investigate this matter and correct the billing error as soon as possible. I contacted XXXX regarding the {$11.00} fee charged to my account on a monthly basis and they informed me that XXXX XXXX  was overcharging me intentionally to prevent my principal amount of {$1200.00} from being decreased. None of my payments of {$1300.00} are applied and my balance is {$1400.00} as of this date. I think this is Consumer fraud and XXXX XXXX  is using derogatory credit methods to get me to pay them in excess of what I have already made. 
Sincerely, XXXX XXXX
Product: Credit reporting

I went to XXXX and requested my free credit report from both Equifax and XXXX. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.
Product: Debt collection

My name is XXXX XXXX. 
Caine and Weiner have responded and agreed to remove incorrect information from my Wife 's credit report see CFPB complaint ID number XXXX as of XX/XX/2023. My complaint is the same see below : We previously resided in XXXX XXXX XXXX XXXX XXXX. We moved to XXXX in XX/XX/2023. We used to have XXXX XXXX XXXX XXXX XXXX in XXXX. Shortly after moving to XXXX we asked XXXX to transfer our insurance to XXXX state. But they said they couldn't cover the type of insurance that we needed in XXXX. So we canceled with XXXX and moved our business to XXXX. I called XXXX since it was half way through the month and spoke with XXXX XXXX. Since XXXX sent us a reimbursement check for our homeowners insurance but we were awaiting what would happen with our auto insurance policy for our company vehicle. I spoke with XXXX and they said there was a XXXX amount outstanding and that I couldn't dispute a cancellation charge since it had already gone to a collection company!!! About a week or so later i received a letter from a company called Caine and Weiner and i was absolutely shocked we had been treated like this by XXXX. So I made the payment which included a cancellation fee, rather than waste any more energy disputing. I have just received my credit report and I am absolutely disgusted that a company can tarnish your whole report based on nothing! In any other country this would be illegal. Please remove this otherwise I will contact a consumer protection attorney for misuse of my credit report.