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

XXXX is reporting incorrect information on my Bank of America card. They are reporting the first delinquency is XX/XX/XXXX. I filed a dispute in XX/XX/XXXX, they claim they verified it is accurate. However, XXXX removed the account from their report because the beginning of the delinquency was over XXXX years old XXXX beyond the statute of limitations. XXXX verified the account with Bank of America and the first date of delinquency was in XXXX according to their review. I believe XXXX and Bank of America are intentionally misreporting my credit and refusal to correct it is discrimination due to my age, race and gender.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Art ( 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020
Product: Mortgage

We received your attached default notice XXXX XXXX, 2016. 

We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

During XXXX, XXXX XXXX neglected to renew my XXXX XXXX XXXX. During XXXX, I tried to obtain XXXX XXXX and was told that XXXX XXXX would need to call and renew the insurance. XXXX XXXX refused. In XXXX, my lost my condo to a fire and XXXX XXXX would not give me a claim # to pay for the hotel that I was forced to live in. I begged for a claim number and was denied. I had been paying my mortgage for XXXX years on the XXXX of each month. I also questioned where my money had gone to if I paid on the XXXX of XX/XX/XXXX. No answer. I have a diary of phone calls to the company. I was not able due to their neglect to pay the mortgage, XXXX fees and my hotel room that I was forced to live in for a year. 

I would like XXXX XXXX to remove that XXXX  from my credit report since I was able to sell the unit and my unit was never sold at a Sheriff sale. 

I am not allowed to upload the letter sent to my from XXXX XXXX mortgage dept
Product: Credit reporting or other personal consumer reports

I sent my FTC report and Sate identification to XXXX, Transunion and XXXX. They are reporting fraudulent accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$350.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$350.00} -This is not my account.
Product: Debt collection

XXXX  claim that I owe {$280.00} for the device which I purchased through XXXX. 
The attached receipt shows that when I purchased the device ( Retail price : {$1100.00} ), I made a down payment of {$400.00}. I traded in my XXXX  XXXX for which I would get {$700.00} rebate. ( rebate detail attached ) The remaining {$49.00} was paid off on XX/XX/XXXX. ( attached ) along with {$120.00} that was due for monthly payment which i was making every month since XX/XX/XXXX till I discontinued the service in XX/XX/XXXX The above math shows I paid the full amount that I owed for the device. But XXXX claim that I owe {$280.00} and they have not provided me with evidence ( documents ) of how I owe that money. 
To me XXXX is just trying to extort additional payment from me without showing any valid proof. 
Please investigate this fraudulent claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 I have not authorized or initiated these hard inquiry, nor do I have any recollection of engaging with the mentioned creditors on the respective dates of inquiry. As per the Fair Credit Reporting Act ( FCRA ), Section 611, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Product: Credit card or prepaid card

I changed bank accounts and when I put in my new bank account the program kept taking the old bank number. When I realized it I called the bank and talk to IT person who helped me go to another program to input. In the meantime no pmt made. My new bank account had 2 account numbers with the checking account ending with a XXXX. I just put in the bank account number as the online program asked if it was checking or savings account. This was not right and check returned again. In the meantime I called the bank several times asking what to do as I could not make any changes in program. I had the money and was trying to pay. They closed my account. It was a Citibank Costco card. I appealed twice to no avail. I was due to have my cash rebate of {$500.00} sent to me the following week. They said since my account was closed I could not get the money I earned. I think this is outrageous. This was an honest mistake and part of the problem was their online banking system. Im a senior citizen and getting ready to retire and I feel like I have been robbed.
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts!

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( XXXX ) accounts within the last XXXX days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened 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 XXXXEquifax InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Debt collection

I enrolled in a debt consolidation program and one of the creditors i added to the program keeps calling my cell phone and my work phone. I have not been available when they have called at work but they have left messages and today they said that a warrant in debt has been issued for me. I have mailed a stop payment letter and the debt consolidation company has been in contact with them
Product: Checking or savings account

Citi Bank doesn't honor my signup bonus rewards. I opened a new business checking account and a new business money market " XXXX '' account on XX/XX/XXXXXXXX  and maintained at least a {$25000.00} combined deposit in both accounts for 60 days. To this day, I still have at least {$25000.00} in the two accounts. So, I have maintained the fund for almost half a year already. I am supposed to get a sign-up promo of {$700.00} by XX/XX/XXXX. I made numerous calls and emails. Today, as of XX/XX/XXXX, they only honored {$500.00}, saying they can't find the original promotion in the system anymore. I have the physical promo flyer in my hand. But the customer service at XXXX said they can't do anything without a promo code. There is no promo code printed on the brochure whatsoever. The banker XXXX XXXX who opened my account doesn't answer my call or my email at all, maybe he already left Citi already. The new banker XXXX XXXX at the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, CA XXXX ), where I opened my account, said he has no ability to trace back or find any promo code. It's big bank fraud over consumers. I did exactly what the promo said I needed to do and didnt get anything. I spent at least 20 hours contacting at least 10 Citi banks in different branches and called at least 20 times about this, and no one was willing to help. Citi lied entirely to me to use our money for free for so long without even honoring the bonus.
Product: Checking or savings account

I am XXXX XXXX I bank with Wells Fargo out of XXXX New Mexico. I recevied a check from XXXX XXXX on Monday XX/XX/2019. I called the company that the check came from and they advised me it was a good check. i then called the bank the check was written off of. The banker advised me that it was an open account, I deposited the check on XX/XX/2019 into the atm at Wells Fargo. When the atm printed out the recite it said the founds would be aviable on XX/XX/XXXX XXXX I called Wells Fargo XXXX, The amount was not avalible in my account. The transaction had been processed tho. i talked to a representitive they told me the money was posted and then withdrew from my account because there was a stop payment on it. They told me there was nothing they could help me do about this stop payment. i could contact the maker of the check. 
I was in a class action lawsuit. When I recieved the 1099 Settlement check the teller at Wells Fargo asked me how much was the check for. I told her thats what i am trying to find out. They would not deposite the check into my account until i found out how much the 1099 settlement check was for. i contacted my attorney and spoke with the parilegal. I was advised to get ahold of the Defendent in my class action lawsuit. I advise the parilegal that would be conflict of intrest, The Paralegal said well i will call the Defendets lawyer. When i had called my attorneys office back i talk to the paralegal and i was advised to go ahead and deposite the check, i went to the atm on XX/XX/2019 because the bank had already closed for the day. when the atm read the check it was for XXXX i recieved the recite from the atm. The recite said deposit will be avalible on XX/XX/2019. When i checked my online banking it said the amount had been posted and then the bank took it out of my account. i called the XXXX number multipule times to find out what was going on about this check, I was question about the amount about this check, i would tell the representitive that this was from a class action lawsuit and it is confidental. i told them that i had documentation from the courts and my attorney about how much the check was for. They told me they did not want to see the documentation, My account now has been closed because of both of these transactions. I believe that Wells Fargo did not make my funds availible for me when the recite said i would have money avalible to me. There is more information about my account i can proved you with. If you need any documentation let me know and i will send them to you email or by mail. 
My contact information : XXXX XXXX XXXX XXXX XXXX XXXX New Mexico XXXX ( XXXX ) XXXX XXXX Thank You XXXX XXXX
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 un open end consumer credit plan as late for purpose
Product: Payday loan, title loan, personal loan, or advance loan

I was advised from credit karma that I was approved for a loan with XXXX and it was in fact denied
Product: Credit card or prepaid card

I purchased a {$50.00} Cash Card from Square Card to load as an app on my phone! I can not access cash and they wont send me a Debit Card to use my money!
Product: Debt collection

The collection agency NTL Recovery Agency recently reported a balance of {$1100.00} for a past XXXX  bill to the address XXXX XXXX XXXX XXXX. I never lived at the reported address and I spoke to multiple representatives informing them of the same. This item was reported on XX/XX/year>2024 FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting or other personal consumer reports

I made full payment the was reporting me as late payment I called them the said the cant do anything I would like to get removed out of my Credit bureau it was XXXX balance and o paid XXXX with interest fees total date of closed account was on XX/XX/2019
Product: Consumer Loan

Was contacted by Holloway Credit Solutions on XX/XX/2017 and told I had outstanding balances with XXXX medical offices and that multiple letters have been sent to me. I have received no letters and requested that the rep on the phone ( XXXX XXXX ) send me something in writing detailing what I owed and that I would take care of it. XXXX XXXX refused to send me ANYTHING in writing and demanded that I take care of the bills on that call with no proof of what I actually owed. I demanded his supervisor name and to speak with her ( He listed XXXX XXXX as a supervisor ) and he refused to give me access to a supervisor or manager of any kind.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter.

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law.

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference. 

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made. 

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

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

I AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.
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 Customer Finance Protection act ( CFPA ). Specifically. Cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable add unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they Did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Caine & Weiner attempted briefly to collect on an illegitimate debt charged to XXXX XXXX by XXXX XXXX XXXX. This debt was acquired after XXXX suffered a XXXX XXXX XXXX which required XXXX XXXX XXXX and XXXX XXXX  in an XXXX XXXX  and was unable to drive said vehicle, make insurance payments and perform basic functions. No attempts were made to resolve this issue by XXXX. Caine & Weiner and other debt collectors harassing tactics of debt collectors has significantly hindered XXXX XXXXXXXX XXXX recovery. These companies will be subject to a lawsuit if credit marks are not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3800.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates : XX/XX/2021 - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail pointing out FCRA violations.
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/XXXX. And now we are in the month of XX/XX/XXXX 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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I 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. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my report I found accounts that I have never applied for. A bill with signature do not imply that the debt is legitimate anyone can send a bill and claim ownership. Also you are in a violation of FCRA 681b ( g ) ( 4 ) HIPAA Law. No one is allowed to share my medical information to anybody there is a violation of my privacy.