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

I have disputed the accounts below on at least 3 occasions via certified mail. On each occasion I asked that the credit reporting agencies show me the methods used to verify the information as accurate. I also have the right to request that they produce the original contract from the original merchant with my wet signature. This is a crutial step in authenticating the debts. By law a collection agency that is authorized to collect on a debt must possess the original contract from the original merchant, with my wet signature in the debt verification process, under the FCRA 609/611 provisions. If said contract can not be produced, I may take legal action against the collection company, which may result in compensation to me, under 15 US code 1681 I. As a credit reporting agency, it is their duty to ensure the credit reporting laws are upheld. Once again, I need Transunion to provide me with the original contract and their methods of verifying the debt as accurate. 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX .... 

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

The CRA lists a Bankruptcy on my consumer report. When asked to verify, they first claim the court notified them. Then they claim that they verified through a 3rd party CRA.

However, I've contacted both XXXX and the US Bankruptcy Court. I have attached both letters stating that neither of them validate or confirm public records and that a Bankruptcy would be public record. 
Therefore listing a bankruptcy on my consumer report violates the FCR section 623 ( a ) ( 5 ). This particular section states that when a CRA can not verify or validate the information with the original creditor that the CRA must delete said information from the consumer 's report immediately.

I've attached a copy of both letters, one from XXXX  and one from the Bankruptcy Court confirming that they do not validate or verify bankruptcies and that they do not validate or confirm public record information due to the privacy law regarding The Fair Credit Reporting Act. Having the bankruptcy listed violates my rights and commits an FCRA violation. I've attached a copy of said FCRA section 623 ( a ) ( b )
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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I purchased two televisions from someone on XXXX! I did not know the person so I used XXXX XXXX  to protect myself! I met with the man at a public place, I paid him {$390.00} for two televisions and when I returned home neither of them worked. I immediately contacted Navy Federal to file a dispute. Two days ago I was sent an e-mail saying the amount never posted so there was nothing they could do, which was not true because you can clearly see the charge on my account! Today I get an e-mail stating they can can not comple the dispute, I must contact the person for a refund!! If I was able to contact the person for a refund I would not have had to file a dispute!! I am not going to sit back in a PANDEMIC and let you all steal money from me!!! Where is the consumer protection???? What is the point of you having a dispute department if you can not give people UNAUTHORIZED funds back!!! GIVE ME MY MONEY BACK!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called capital one on XX/XX/XXXX to get clarity as to why my account was randomly closed on XX/XX/XXXX, and the dispute team, fraud department, and management could not give me a direct answer but what may have been a reason. My account is Closed and is hurting my credit score while I'm also being denied opportunities because I have false late payments with a closed account. I've been calling to get clarity and nobody cares to answer my question but they are continually reporting negative and inaccurate information to my credit profile which is causing defamation, violating my privacy while they are being negligent. Capital is failing to follow procedures to correct the situation.
Product: Credit card or prepaid card

I received a series of 3 credits back to my credit card account as a result of a cruise being cancelled ( by XXXX XXXX XXXX XXXX ) due to the pandemic. The total was {$25000.00}. I was unaware that the amount had been deposited in my account as XXXX had given me a XXXX day window for repayment. Unfortunately, XXXX hadn't notified me that the refund had been made. It apparently appeared on my credit card statement on XX/XX/XXXX ; the billing cycle ended XX/XX/XXXX, so I was not notified with that bill. When I finally checked my credit card statement ( around XX/XX/XXXX ), I saw the credits, some of which were used to pay my then current bill. I called and asked the credit card company to send the money to me. They indicated it would be sent to the checking account of mine that they had within 3-5 business days. When I had not received it by then, I contacted them again and was told that it had been submitted for management approval and would be sent 3-5 business days after approval was granted. I do not understand why my money is being held captive to a process whose time is completely controlled by the credit card company ( Citibank ). 
They have had this money for a month. I am hoping that you can prod them to expedite the return of my money.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX todays date XXXX Have looked at my credit report and I have seen multiple fraudulent inquiries on XXXX XXXX and transunion I have not authorized permitted or gave any permission for any of these inquiries. By FAIR CARES ACT LAW us code 1681c-2 and 1681s 1679c disclosure 1681g 1681b permissible purposes of consumer report 12 USC 55334 response to consumer complaints and inquiries LIST OF FRAUDULENT INQUIRIES XXXX XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Mortgage

Mr. Cooper is rejecting my money. Mr. Cooper is trying to purposely put me in foreclosure and take away my home by purposely rejecting my payments. Please help!
Product: Vehicle loan or lease

Greetings this company sold me a lemon and the bank that approved the loan have a great working relationship with this shady dealer, that sold me a lemon. I went to the dealer and ask them to change the vehicle due to the issues and he told me that I have to wait six months in order for him to trade the vehicle, now mind you within that time the car have been in his shop and possession getting fixed and I had to pay for the service and the part that they replaced. In the six month time I went back and told him that you had promised to trade the vehicle because now I am experiencing more problems and that is not fair then he told me that the bank United auto doesnt want him to trade the vehicle. So I told him that I will leave the vehicle on his lot, he told me go home and he will work it out with United auto credit because he knows the manager personally. 
Nothing happened and and I made several calls to United auto credit to let them know, how am I going to continue on making payments on a vehicle that I cant drive, so they told me to return the vehicle and I will not be charged. It took me more than two months to schedule a pick up with this company they are just horrible and shady.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I have just been recently checking on my credit report. While I was checking report I realized it was damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report and its a defamation to my character.
Product: Mortgage

The limited categories provided forced me to select this option because I didn't see one more closely describing my situation. 

My complaint is about Wells Fargo ( my home mortgage lender, " WF '' ) requiring me to obtain flood insurance for my condominium that is located on the third floor of my building, due to my building now being zoned into a FEMA flood zone. If a flood were to occur ( where WF is indicating a 1 % chance of a flood occurring in my zone ), my building would be impacted but my third floor condo would not be impacted. Therefore, having a flood insurance policy would be unnecessary for me to obtain and WF requiring me to do so causes me unnecessary financial cost. In fact, if I opt not to purchase a policy, WF will require impound account fees to cover a flood insurance premium to their liking which would cost me even more unnecessary financial cost. 

WF did offer to accept a flood insurance policy of the Homeowners Association for the building. But such a policy if obtained by the Association will only cover common areas outside of my condo ( i.e. walls out policy ), where its coverage won't impact the condo that WF has the lien on regardless. So, it seems that such a policy is irrelevant to whether or not I should have to purchase a separate flood insurance policy as required by WF.
Product: Money transfer, virtual currency, or money service

I requested cash app realease my funds XXXX XXXX XXXX XXXX and they declined. They won't give me any other information than, you can't use your card ....
Product: Credit reporting or other personal consumer reports

The information is incorrect from this company. I cancelled this in-home telephone system when I was informed that Internet was not going to be available through XXXX XXXX XXXX XXXX I did not use this system and when I notice that the money was being taken out of my checking account. I contacted this company again informing them that I wanted to have internet and wifi and they could not give me the service that I needed. Hence, I informed this company that I needed internet and wifi in the beginning. I did not need telephone service without internet. 

Your information may have changed since XX/XX/XXXX View your current credit report Account info Account nameI C SYSTEM INC Account numberXXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$630.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$630.00}
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. 
XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) account number : XXXX balance : {$27000.00}. I have no knowledge nor did i give authorization to this company.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by reporting inaccurate and misleading information on my credit report. I am distressed by this damaging information on my credit report. 

Equifax is currently reporting that I owe a balance of {$1400.00} to XXXX XXXX Bank XXXX but this is false and misleading. I received an IRS Form XXXX ( Cancellation of Debt ) for {$1000.00}, which indicates that a portion of this debt was legally canceled and must be reported as taxable income. Under IRS regulations, a canceled debt is no longer owed, and creditors can not continue to attempt collection or report it as an outstanding balance. 
1. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Equifax is knowingly reporting an inaccurate balance, despite the fact that part of the debt was canceled.

2. Failure to Properly Investigate ( 15 U.S.C. 1681s-2 ( b ) ) I previously disputed this account with Equifax and asked them to validate this debt properly, yet they failed to correct the information. 

2. Furnishing Incomplete or Misleading Information The reported balance does not reflect the canceled debt, misleading potential lenders and harming my creditworthiness.

Attached to this complaint are : 1. A copy of my Equifax credit report showing the inaccurate balance. 
2. A copy of the XXXX form from XXXX XXXX XXXX confirming cancellation .

3. A copy of my previous dispute letter to Equifax and their inadequate response.

I urge the CFPB to investigate Equifax 's noncompliance and hold them accountable for violating the FCRA. Please confirm receipt of this complaint and provide updates on your findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires where not made by myself! They are fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoken with XXXX from Executive Credit Management. Requested physical signature verification for a hard inquiry on credit report. XXXX replied, " information is shredded once denied ''. Informed XXXX, " resided at another resident ''. XXXX became hostile and stated information was shredded. Requesting a physical signature for verification.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the 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 despite 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: Money transfer, virtual currency, or money service

BACKGROUND SUMMARY 1. Bank of America claims it can not recognize my USB FIDO key to authorize a transfer from my savings account a. Inconsistently, the bank has recognized the USB.

b. The USB key is a bank option since I do not readily have access to the required US cell phone and authorization code.

c. My two USB keys have been verified as functioning and an IT professional has confirmed my computers functionality.

2. Please see previous two complaint submissions for specific details of this problem dating from XX/XX/2024 SUPPLEMENTAL INFORMATION FOR THE TWO ABOVE CITED COMPLAINT SUBMISSIONS 1. A US cell phone contact is now available to me in order to circumvent the USB problem ( s ) 2. On XX/XX/XXXX I attempted to register two recipients for my international wire tran

sfers 3. I tried to re-install my USB. A code was sent to my American telephone contact and successfully entered which pr oduced a bank reply this USB is not familiar. 4. I tried option # 2 ( the cell phone and a code authorization. 
a. I was then advised the transaction could not be completed without a debit card! 
b. I dont have a debit card. I dont live in the United States and a debit card is less useful to me than the option of purchases with my credit card. 
c. I no longer have a checking account because I do not/ can not write USD checks in XXXX XXXX I was not told that the debit card was connected to the checking account. 
i. IN PREVIOUS WIRE TRANSACTIONS A DEBIT CARD WAS NEVER REQUESTED 5. A customer service rep. ( XXXX ) suggested I try changing servers. I did, but to no avail.

6. Another customer rep. confirmed there was a technical problem. He obtained authorization from his supervisor to contact technical support. He advised me Tech Support would reply to within three to five minutes NO ONE EVER CALLED.

All of the above took over two hours of my time. When I asked how a debit card was needed when the bank had my savings account and a credit card, the reply was sadly, that is what is required Sad indeed. 

The bank has now reported they need an additional 60 days to continue their investigation of my complaints. 
My funds are not available to me regardless of what procedures I follow to comply with BofAs requests. 

I urge you to review my previous two complaints with the details, and the banks changing protocols overriding my valued customer simple request.

What is my recourse if the banks 60-day extension results in the need for further studies? My being subjected to the irrational, bank-weighted and manipulative process is unconscionable.
Product: Credit reporting or other personal consumer reports

I have already filed a Ftc report for fraudulent reporting, and XXXX and XXXX are already in compliance, XXXX XXXX XXXX is the only company still reporting illegal information. 

I am writing file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent hard inquiries on my credit profile. I kindly request your assistance in removing these inquiries immediately, as they have been reported inaccurately and obtained without my written permission or a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following fraudulent hard inquiries on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have been reported without my consent and without a permissible purpose, which is a direct violation of the FCRA. I kindly request that you take immediate action to investigate and rectify this matter. 

The fraudulent inquiries mentioned above are in clear violation of the following laws : 1. 15 USC 1681b : This section of the FCRA requires that a consumer reporting agency may furnish a consumer report only when there is a permissible purpose. In this case, the inquiries were obtained without my written permission or a permissible purpose.

2. 15 USC 1681a : This section of the FCRA defines the terms used throughout the Act, including the definition of a consumer report. The fraudulent inquiries on my credit profile do not meet the criteria outlined in this section.

3. Section 611 - Accuracy of Information : This section of the FCRA requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The fraudulent inquiries on my credit profile are inaccurate and should not have been included.

4. Section 604f - Fraudulent Information : This section of the FCRA prohibits the inclusion of information on a consumer report that is known or should be known to be fraudulent. The fraudulent inquiries on my credit profile clearly fall under this provision. 

I have attempted to resolve this matter directly with the creditors involved, but they have been unresponsive and unwilling to address the fraudulent inquiries. Therefore, I kindly request your intervention to ensure that my credit profile is accurately represented and that these fraudulent inquiries are promptly removed. 

I have attached a copy of my Federal Trade Commission Identity theft report and a copy of the inquires on my credit report highlighted. These inquires fall under identity theft and the continuous reporting of them is violating multiple laws as mentioned above. 

I appreciate your attention to this matter and look forward to a prompt resolution. If necessary, I am prepared to take legal action to protect my rights under the FCRA. However, I would prefer to resolve this matter amicably through your assistance. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify accuracy. 
( XXXX XXXX XXXX  ; Account XXXX : XXXX (
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to obtain credit causing an inquiry to be reported on XX/XX/2022 by XXXX XXXX. 

JPMCB REPORTED ON XXXX XXXX 2022. 

XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. 

XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.
Product: Money transfer, virtual currency, or money service

As a college student, I frequently use money sharing apps to send money to friends and buy things that I need. On two different occasions however money was sent to me that did not show up in my Cashapp account. This first time it happened my female friend XXXX   sent me {$10.00}. I noticed the money wasnt there but thought it was a momentary glitch and because their is no customer service number there was nothing I could do. On XX/XX/XXXX a friend XXXX  sent me {$30.00} through the app which did not show up in my account. Immediately I emailed support and they responded within a few minutes but after I tell them the problem and that my money is not there they ignore me. Then again I emailed them and they responded immediately telling me they can help me get access to my account and I explained that I had access to my account but that money was not showing up in it. I said to rather send me my money or refund my friends and I got no response. I need this money to last me the week until I get my paycheck. This company should not advertise a 24 support team that will not respond to claims. Im not the only person who has had this unjustly happen to them and I personally believe that this company needs to be held under greater scrutiny as a multimillion dollar corporation.