23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I tried paying my flood insurance by electric check. THE XXXX XXXX   TOLD ME THAT Keybank paid the fee already on XX/XX/2019 and the payment was not due until XX/XX/XXXX which resulted in my mortgage being increased from {$1000.00} to present monthly amount of {$1100.00}. KEYBANK INFORMED ME TO PAY THE FLOOD INSURANCE MYSELF WHICH I DID FOR THE ENTIRE YEAR.The Bank was deducting {$38.00}. I tried to pay my flood insurance XX/XX/XXXX and XXXX informed me that the flood insurance was paid by Keybank. Then I found out that the Keybank was charging me a monthly fee for the flood insurance. ( see letter from KEYBANK ) .Keybank blocked me from paying my flood insurance on time. 
My complaint is that the bank had no right of paying my flood insurance on XX/XX/XXXXXX/XX/XXXX without my knowledge. When I called to pay my flood insurance I was told the bank paid it and then raised my loan amount. I went to see XXXX XXXX Vice President on XX/XX/XXXXand XXXX XXXX Branch Manager previously and XXXX informed me that he would take care of the problem but he didn't.
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 ). Especially, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations 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

Dear CFPB My name is XXXX XXXX and my social security number s XXXX. My physical address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have requested on multiple occasions from Equifax to re-investigate the Public Record : Personal Bankruptcy XXXX filed XX/XX/2009 ( older than 10 years ) to be removed their reporting. I reported on multiple occasions that the report show multiple in accuracies in which they have never have confirmed through the courts? XXXX does not show this Bankruptcy, Other 2 Agencies have since removed XXXX and XXXX. They refuse to follow through with these requests and rely on old data that was inaccurate in the first place. Please help in resolving this request. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting capital one acct # XXXX has violated my rights 15 usc 1682 section 602 A states I have the right to privacy 15 usc1681 section 604A section 2 states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX XXXX that was unauthorized by me. My personal info has been compromised in a the Equifax Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Product: Credit reporting or other personal consumer reports

Equifax is violation my consumer rights. I have notified and sent all proper documentation
Product: Credit reporting or other personal consumer reports

XXXX N. XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> Subject : Notice of Dispute Pursuant to 15 U.S.C. 1681n ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681n. The inaccurate or incomplete information listed below is causing harm to my credit score and, consequently, my financial standing. Please treat this as a formal dispute.

Item ( s ) in Dispute : 1. Account Name : XXXX Account Number : XXXX I request that you investigate the validity of the disputed information. If it is found to be inaccurate or incomplete, I ask that you DELETE it from my credit report in accordance with the FCRA. 
As provided under 15 U.S.C. 1681n, I am aware that you are required to perform a reasonable investigation of the dispute and respond within 30 days of receiving this notice. If you do not resolve this dispute in my favor, I reserve the right to pursue further legal action, including but not limited to filing a claim for damages due to any willful or negligent noncompliance with the FCRA. 
Please confirm receipt of this dispute and inform me in writing of the results of your investigation. 

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX CAPITAL XXXX - XXXX XXXX XXXX  - XXXX CAPITAL XXXX - XXXX XXXX XXXX  - XXXX WFC - XXXX REF : XXXX CHAPTER 7 XXXX XXXX XXXXXXXX CT IL XXXX - XXXX XXXX 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, credit repair services, or other personal consumer reports

I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation. 

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report. 

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion. 

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??
Product: Credit reporting or other personal consumer reports

I have on numerous accounts attempted to correct a typo that has been created by an agency. They have the incorrect social security number that has now been placed as mine and causes rejection as well as hindrance and sometimes even suspicion flags when being pulled. This has been an issue for years and I am told the only way is to send the original documents which I simply refuse to do. I am now reaching out to this service to seek help.
Product: Credit reporting or other personal consumer reports

I am part of a national public date of breach and I informed them of that and put the credit freeze on and it never updated my credit score. Ive had multiple identity fraud and to protect me they didnt. I have multiple investigations and nothing has been done. They didnt send me any letters regarding my stolen identity and fraud. I have multiple discrepancies that have never been taken off and I would like for it to be fixed. I would like to be compensated financially due to having this fraud and losing so much money.
Product: Debt collection

I contacted Hunter Warfield regarding a collections account on my credit from XXXX in the amount of {$4000.00}. I knew the information they had was inaccurate so asked for specifics which they could not provide. I then contacted the original creditor in hopes of clarifying the facts. I was told they have no records of myself or owing money. At that time I contacted the collections agency again to figure out how they were going to rectify this unfortunate situation and removal of this account from my credit report. It was made clear to me they weren't in any hurry to correct this error. This is bad business and poor customer service!
Product: Checking or savings account

I took a loan for home improvements through XXXX XXXX XXXX. I was told the loan was a fixed rate XXXX. I'm being charged a monthly finance charge on top of the interest rate. In looking at the documents maybe I'm confused but see where that is listed as a monthly fee. Since I am seeing many issues with this company and concerned
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the XXXX data breach some time ago AND the more recent XXXX breach.
Product: Credit reporting or other personal consumer reports

Experian 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 systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify customers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2023 I reached out to XXXX, to get information on why my balance on my cash app card was being decreased when I had not made any recent purchases. XXXX, in the billing department at XXXX, told me cash app representatives had sent emails to their company on XX/XX/2023 saying their was an error with their ( cash app 's ) payment processor that resulted in replicate deductions from the consumers accounts that made purchases at XXXX. XXXX looked in the system at XXXX and told me cash app had erroneously taken one or more of my refunds for returns from them. I have reached out to representatives at cash app, via the app and by phone, to return my {$39.00} to my account balance. XXXX or XXXX, I couldn't understand her, has refused to issue a refund even though she admitted their was an error with their payment processor between XX/XX/2023 and XX/XX/2023. I told her that I had spoken to XXXX at XXXX and they could see duplicate transactions in their system. She kept reading her script as I informed her that my account was now short and I had to meet my first of the month responsibilities. She was not moved by my requests to return the {$39.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report related to the collection account from XXXX XXXX XXXX, originally from XXXX XXXXXX/XX/XXXXXXXX XXXX. The account number in question is XXXX. I believe this information is not accurate and is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that you investigate and either update or remove this account from my credit report.
Product: Mortgage

I am a XXXX veteran and my husband I recently purchased a new construction home using XXXX VA loan. The selling price was $ XXXX. At the time of appraisal, our home was appraised for $ XXXX. As a result, we requested a reconsideration on XXXX XXXX, using more accurate and up to date comps that the initial XXXX did not use. 

In addition, our loan processor changed companies so we were assigned a new POC on XXXX XXXX and again on XXXX XXXX when our closing date was set for XXXX XX/XX/XXXX. It was very difficult to get in touch with any of the new POCs which was a huge concern due to the timeliness of our reconsideration request with the VA and upcoming closing date. Several emails were sent to the lender and their responses were vague and left us feeling like our request to the VA was lost and would not be included in the final closing estimates due to nobody being able to provide any info as to how long the process would take to hear back from the VA other than its not a quick process. 

On the morning of our closing we were told the VA process would take forever and that it is not a quick process so based on that information from the mortgage company, we kept the same closing date. 

Our reconsideration ( ROV ) request was approved by the VA to increase the value of our new home on the same day as our closing. As a result, it would eliminate the need for us to pay the $ XXXX difference of the selling price. The lender stated in order to resolve this issue, they would need to collect all funds from all parties ( builder, both agents and us as the buyer ) in order to give us our money back. The only challenge seems to be the builder who is unable to return those funds due to subsequent transactions. 

All parties have agreed to sign any documentation required to resolve this issue on our behalf, but the lender ( Security National Mortgage ) is being very difficult requiring the entire wire amount to be returned in order to redistribute funds that would include our $ XXXX. 

Since a way to resolve this issue is completely out of our hands, we are not able to get our $ XXXX back. The only people that lose in this deal is us as the veteran and the buyers.
Product: Credit card or prepaid card

I applied for a credit card and Comenity did not follow Fair Credit Reporting Act. 

Did not contact applicant on phone number listed on fraud alert. 

I have capability to lock my credit with XXXX, remove freeze with XXXX  but nothing with XXXX  ( they charge a monthly fee for the service ). My file with XXXX  is unlocked I contacted Comenity and they were not able to address my concerned. 

They want me to apply in 30 days, having a few more inquiries on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.
Product: Debt collection

This collection debt appeared on my credit report, but prior to this, I had no knowledge of its existence. I have never received any written notification or validation regarding this debt. Additionally, I have never had an account with this company.
Product: Debt collection

I received a letter from XXXX XXXX XXXX and their Attorney 's stating that I owed XXXX XXXX XXXX  {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX  Inquiries from XX/XX/2020. 
Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 
Thank You, XXXX XXXX XXXX
Product: Credit card or prepaid card

While shopping at XXXX on XX/XX/24 I was asked if I wanted to apply for their *rewards program*. Assuming this was like the rewards programs at grocery stores I figured it couldnt hurt. The lady working the register asked for my ID, punched in my info registering me for the rewards program and then asked me to sign the pad. After which she informed me that my credit card would come in the mail. At no point did she tell me she was actually applying for a credit card instead. At this point I told her I did not agree to open a credit card, and she basically said " Its done now ''. The lady next to me in line was going through the exact same thing with her checkout associate. Its clear that the store was using misleading language to sign people up for credit cards they did not agree to be applied for. I then spoke to the manager who also told me basically that its done and theres nothing they can do. My credit has been harmed by a credit pull that serves no value on a credit card that I do not plan to ever activate and had no intention of ever using. This will prevent me from leveraging my credit in an optimal way in the future.
Product: Credit card or prepaid card

BARCLAYS BANK DELAWARE credit card services closed my credit card for no reason. 
They claim that have sent letter to me in. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the BARCLAYS BANK DELAWARE terms etc. 

Never had a late payment pay all my bills on time. I've been with BARCLAYS BANK DELAWARE bank since 2017. I have not received any letter from them. I have BARCLAYS BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act. 

1.BARCLAYS BANK DELAWARE has violated my rights to Safety, by closing available credit line I had at my disposal for no reason, 2.BARCLAYS BANK DELAWARE has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern. 

3.BARCLAYS BANK DELAWARE has violated my right to information, by not sending the communication in all available methods. 

4. BARCLAYS BANK DELAWARE has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, alleging systematic 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 XXXX 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 dispute accounts, as XXXX 's action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX. {$3400.00}, XXXX XXXX XXXX {$5200.00}, XXXX XXXX XXXX. {$4300.00}, XXXX XXXX. {$10000.00}, XXXX XXXX  Bal. {$96.00}, XXXX XXXX XXXX. {$2400.00}, XXXX XXXX XXXX. {$72000.00}
Product: Debt collection

The below was reported on my credit report lowering my score by XXXX XXXX. I did not receive any notification from the company of the debt. Even further, the debt is from medical bills that were covered by my insurance company. If the company contacted me, XXXX could have provided the needed info and asked them to contact my insurance company. Instead, I am spending time trying to fix my credit score. 

XXXX Alert Date XX/XX/2024 Balance Amount {$1500.00} Is Collection YES Open Date XX/XX/2024 Payment Status XXXX XXXX XXXX XXXX XXXX XXXX Status Date XX/XX/2024 Name WAKEFIELD & ASSOCIATES Phone ( XXXX ) XXXX Business Type XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TN Zip XXXX