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

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 Transunion 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, inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash 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 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: Credit reporting

I have made numerous calls and sent numerous faxes to Equifax. The faxes contained a cover sheet with Name, Address, SSN, D.O.B., File #, email address, and the reason for the fax, which is to remove from credit file. The fax also contained a letter on company letterhead, my name, date, acct #, and in the body of letter, info stating this account was no longer with this company ( XXXX XXXX ) and has been deleted from their files. But, no matter how many reps I spoke with ( over XXXX ) or how many faxes I sent, they still would not remove, this collection from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thingy. There are things on my credit that is not mine. I've filed with the FTC and talked to the police. I'm doing on my own. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXXXXXX XXXX   XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Please remove these items from my credit.
Product: Debt collection

I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree. 

The debt collection agency has not sent me any proof of validation what soever either via mail or email communication. 

They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay. 

A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency XXXX XXXX XXXX XXXX Original Creditor : CheckintoCash Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} XXXX emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor
Product: Checking or savings account

Started a new job in XX/XX/XXXX. ( GOV ) My direct deposit was not submitted on time therefore I was issued a paper check for my 1st week of work. Check was sent my mail issued by Us Treasury. Which arrive to my mailbox 3 weeks after official pay date. 

I Deposited the check in the cap one mobile app. I then received an e-mail from capital one that my funds would be available in 7 days or so. 

Then I received another email stating We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. 

I called and they needed to verify check.???? Didn't make sense, they clearly know then can verify using the Treasury verification check website, which I did myself.I provided number to my gov office HR. It's been a month and I have no access to my money or savings account. I can't even make credit card payments. Locked of of my capital one account.
Product: Credit card or prepaid card

In September, my wife contacted the Bank of America to cancel a business credit card she was no longer using. The representative inadvertently cancelled the wrong card, instead canceling the personal credit card we had with them for more than 30 years. Soon after discovering our personal card had been canceled -- the card was denied as we attempted to make a purchase -- we contacted Bank of America. They acknowledged that the mistake was theirs, but told us they could not simply reinstate the card. The customer service process was a nightmare and I 'll spare you the details, but eventually ( in a callback several weeks later ), they explained that because of the Fair Credit Reporting Act, restoring a closed account, even one that was closed by their mistake, required us to go through a re-application process. As an aside, the original three reps with whom I spoke -- yes three, starting with a front line rep and progressing to her supervisor, then his, a " resolution specialist '' -- insisted that " by policy '' they had to go through a re-application process and never once cited Federal Law. They made it sound like it was just an internal policy/process which, quite naturally, I assumed could be waived since the mistake was theirs. 

If they are correct in stating that the Fair Credit Reporting Act actually requires a re-application process whenever a closed account is reopened, even when the bank makes a mistake such as this, then I 'd say the Act has gone too far in regulation. My wife called to cancel the business card on a Saturday afternoon. We discovered the problem on a Sunday evening. We called on Sunday evening and again Monday morning. The account had n't even been closed for 48 hours. It was a bank mistake, but they said they could not just uncheck the box that said " account closed '' and restore our credit card. They claim Federal Law ( the FCRA noted above ) prevents them from doing so. If that 's the case, the law is far too restrictive. 

Can you please tell me : Does the Fair Credit Report Act actually prevent them from corrrecting their error and reopening my account? Yes, I could have gone through the re-application process, but I do n't think this should be necessary. They made the mistake. They should be able to fix it. 

I have already contacted the FTC ( though my Senator, XXXX XXXX ) and their legal team has asserted that nothing to their knowledge in the FCRA should keep the bank from fixing their mistake and re-opening our account. However, they said your agency is also involved with the Act, so I might wish to contact you, too. 

If you confirm, as they did, that the FCRA does not prohibit Bank of America from " simply '' reopening my account after *their* mistake, I will contact them myself. 

Thank you and kind regards, XXXX XXXX XXXX XXXX, UT
Product: Debt collection

I was contacted in XX/XX/XXXX by someone claiming they were from Northwood Asset Management Group and they were calling me regarding a debt with XXXX XXXX. She claimed they had a VOE ready to verify my employement to begin garnishing my wages and they wanted to resolve it instead of letting it get to that point. I ended up setting up payments to be automatically deducted from my checking account. Those payments became too much and I decided I wanted to revoke my ACH authorization and send payments by mail, as well as reduce them. The man I spoke to on the phone was rude and unprofessional. He argued with me, asking me if I owed the debt, why wouldnt I want to take care of it and not allowing me to revoke ACH authorization. I began talking over him because he was becoming so nasty and he would ask me if he could speak or finish speaking. I kept repeating I wanted to mail payments and revoke ACH authorization. He eventually put me on with a supervisor, XXXX XXXX. He was much nicer but again, wouldnt revoke my ACH authorization. He said they didnt accept payments by mail, and also claimed they didnt have a website for me to check them out on. I asked for copies of my debt, as well as the VOE the lady claimed to have in XX/XX/XXXX and he said he didnt have any of that and they dont keep paper in the office, and they dont even have any paperwork because they bought the debt from someone else. He said he could send me a validation letter from them, but thats it. Nothing pertaining to the original debt. My ACH authorization was never revoked, but my payments were reduced.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$100.00} was taken from me from a XXXX Bank of America username with the phone number XXXX XXXX XXXX  XXXX pretending to be Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Self lender because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. Self lender disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on XXXX and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.
Product: Debt collection

Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a victim of identity theft ... The account is XXXX XXXX XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with Experian, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
Product: Credit card

DISCOVER BANK MADE A HARD INQUIRE ON MY CREDIT TEPORT WITHOUT MY CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM DISCOVER
Product: Credit card

I have a complaint against synchrony bank. I have a few store cards through them which include 0 % promotional purchases for a specific time period. After being approved for the cards and using them once, synchrony decreases the credit limit which increases my DTI ratio and drops my credit score. Then before I can finish paying my promotional finance purchase, they close my account, which in turn drops my credit score again. I am never late with payments, and have always paid more than the minimum. Their reasoning in their letter is always the following : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Too Many Bankcards With High Balance Compared To Credit Limit Not Enough Balance Paid Down Over Time On Retail Accounts And the only reason I even have their first complaint is because they keep dropping my credit limit on all my cards. As for a lack of real estate secured loan information, I own my house so I dont have a real estate loan. I know Im not the only person with this complaint about synchrony. I am being responsible with my cards and paying them off in a timely manner. With synchrony always reducing my credit limits and closing my cards, it is in turn affecting my credit score which is making my financial situation worse. This is a serious problem with them and exceptionally frustrating. When you call synchrony to discuss this issue, the only advice they have is to re apply for their card.
Product: Debt collection

On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.
Product: Money transfer, virtual currency, or money service

Tried get money sent from cash app and spoke to XXXX XXXX XXXX. This person said he was a cash app agent, who processed the initial transaction then advised cash app was needed. Once the steps for the update was followed they drafted from my Grandmothers account 3 times for unauthorized transactions that never came to me and the bank has no record.
Product: Credit card or prepaid card

I received an unsolicited debit card from USBank. I did not apply for this card and am concerned that by them sending this card in the mail is potentially causing me a risk of identity theft. I tried on several occasions to talk to them and was passed to three different departments to a point that the automatic phone tree options would not let me even talk to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX XXXX, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by  XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified items on my consumer report that is a result of identity theft. The information reporting is not accurate and is an improper use of my information. Please delete and block all negative information reporting. These inquiries and/or late payments aren't accurate, was not a transaction authorized by me. These are the following : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX The CRA have old addresses on my file that leaves me vulnerable to more possible identity theft. My current mailing address XXXX XXXX XXXX XXXX New York.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md. XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # [ XXXX XXXX ] To Whom It XXXX Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I paid off my loan with Newrez on XX/XX/XXXX. However this company did not credit the payoff amount to my account. I continue to receive monthly bills for XXXX and XX/XX/XXXX. When I called company, I was advised to pay the bills until the problem was resolved. Therefore I paid {$890.00} for XXXX and same amount for XX/XX/XXXX. 

After I called and email Newrez several times, I received an email on XX/XX/XXXX said they closed the loan. On XX/XX/XXXX I received a refund check of {$1700.00}. 

Since I paid off the loan on XX/XX/XXXX, I should have at least receive {$1700.00} ( XXXX ) as a refund plus the interest they owe me for holding up my money. 

The whole process has wasted a lot of my time and I have to come up extra money to pay the loan. This company has never apologized for their mistake at the first place then try to short change me for the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX I received a text message from the ( American Express Serve XXXX XXXX card company 's automated system stating a XXXX decline fee had been charged to my card. A minute later I received another text message from the card company again stating a XXXX decline fee had been charged to my card. At that time I opened the card app on my phone and noticed multiple withdraws from an unknown ATM location had a cured. My direct deposit from my employer was deposited that morning to the card.There was three withdraws for {$200.00} totaling {$600.00} and one with draw for {$100.00}. {$700.00} was the daily limit so the attempted withdraws after {$700.00} was the reason I got notice from my card for the decline fee of XXXX cents. 
Right away I called the card company customer service and informed them of the unauthorized ATM withdrawals. I was transfered to the fraud protection department. I gave them all info on how I found out and was told they would investigate my case after I sent a declaration of dispute form and let me know by email in 10 business days or it may take up to 45 days. I received an email from them with the form to fill out. I filled out the form and uploaded to the cards website on XX/XX/2023. On XX/XX/XXXX I called the card company to check the status of my complaint and was told I would receive an email by the next day with the fraud department findings. I received an email from the card company fraud department on the morning of XX/XX/XXXX saying my fraud claim had been declined and that the ATM withdraws were authorized by myself. No other statement of facts as to the reason for them declining my claim. The email stated I would have to submit a written letter to them asking for the investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account XXXX XXXX, XXXXXXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

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