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

A Balance on the credit card which I paid off before the due date had accumilated interest fees on the account without my knowledge. I didnt use the card for months or log in online, then XXXX  notified me the bank had reported a late payment on my credit report. I then called costumer service and they removed the interest fee but told me Id have to contact Excutive about the late payment report. Ive wrote them over a month now and theyve never respond. I paid the balance off before the due date so there shouldnt be any interest or payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my Equifax Credit report today and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a 1099C form for tax purposes as the debt has been canceled out and is reporting as income to the Internal Revenue Service. I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 


XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Product: Credit reporting or other personal consumer reports

I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment XXXX XXXXXXXX. At that time the name of the apartment was XXXXXXXX XXXX XXXX. The apartment changed the name to XXXX XXXXXXXX XXXX XXXXXXXX  sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " Lease_ContractXXXX XXXX XXXX. I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
XXXX. " Final Account Statement XXXX '' showed the final bill which I disputed with the XXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water  Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX Water / Sewer FINAL WATER BILL ( XXXX ) XXXX CONCLUSION : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681 b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This has not been done correctly. XXXX XXXX XXXX has been doubled and no proof of signature was ever proven. 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This was not done and was not informed of the investigation when it was done with proof of signed documents. They did not email me or send reinvestigation letter at all. The information was not verified at all. I even tried to get online and was unavailable to access. I also have a reinvestigation that has been past 30 days, XXXX XXXX XXXX that was submitted on XXXX. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. They never really did and investigation at all. They continue violet my rights and all these accounts should be deleted from my report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I request that you review this information and make the necessary corrections to my credit report. 
Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am requesting that Barclay Bank waive/refund the late fee of {$29.00} incurred in XX/XX/XXXX due to what I believe are several system errors through no fault of my own. Barclay customer service advised that they never received a payment in XX/XX/XXXX. But I never cancelled any of my {$86.00} payments! I have included all the documents which prove the payments and transactions and errors. 
XXXX approved for Barclaycard Financing Visa for an XXXX XXXX purchased XXXX on XXXX website for {$1500.00} and I set up automatic payments 7 days prior to the due date for {$86.00} for 18 months on the Barclay Bank website. 
XXXX I decide to increase the payments to {$130.00} to pay the loan off early. 
XXXX **** This is the 1st system error occurred as I discover that the monthly payment doubled : Your scheduled payments of {$260.00} pays the minimum amount due of {$29.00} by XXXX XXXX document is attached. I write to Barclay : I just revised my monthly payments to {$130.00} per month ... this is now showing up as {$260.00} double what I authorized! Please correct this. 
XXXX Barclays claims my payments are only {$130.00} : Upon review, we can confirm that your account is currently enrolled in recurring payments. Our records show that your payments are set up for {$130.00} to be applied monthly on the payment due date. 
XXXX Because of issues with the Barclay automatic payment system I change the monthly amount back to {$86.00} with auto payment scheduled 7 days prior to the due date with screen clearly showing XX/XX/XXXX as the next due date. I receive a confirmation. 
XXXX XXXX This the 2nd system error. I receive an email that the {$130.00} has been cancelled. However - I never received any notification that Barclay had cancelled the {$86.00} payment for XX/XX/XXXX! 
XXXX I anticipate paying off the loan in XXXX as calculated via my auto payments but discover that the Barclay website shows that I owe a balance of {$200.00} rather than {$86.00}. I spoke with XXXX in Barclay customer service that my balance shows {$200.00} instead of {$86.00}. She verifies that 18 month payments of {$86.00} would pay off {$1500.00} by the last due date in XX/XX/XXXX. She discovers that there was no payment in XX/XX/XXXX and that I incurred a late payment fee of {$29.00}. Not good since I never cancelled any of my {$86.00} payments! Note also that the payments resumed in XX/XX/XXXX without any further action from me. 
I have gone ahead and paid off the {$200.00} balance and cancelled the XXXX {$86.00} payment. 
I request that the {$29.00} be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a mortgage through XXXX XXXX in XXXX XXXX Michigan. I did not explicitly sign anything, or opt into or out of anything. 

By Tuesday, I had received no less than 40 unsolicited phone calls from various mortgage companies trying to have me finance through them. 

After research, I see the Fair Credit Reporting Act allows companies to cold call consumers to offer the best rates. 

This is the most ridiculous invasion of privacy. My bank never told me my data/ informatino would be given/ sold to all these mortgage companies. This process should be illegal. 

The credit company that started all this is " Factual Data ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX Open options Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is my final warning. I am currently working with a law firm to sue the XXXX reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Vehicle loan or lease

In the early morning hours of XX/XX/XXXX, I was awoken by my dogs because a towing company was trying to tow my XXXX XXXX XXXX  The entire situation caused a scene in the front of my home in the vicinity of several neighbors ' homes. In fact, law enforcement was called, and they told the towing service that they had to leave. I had never received any correspondence from Ally Financial informing me of the repossession. The tow service did not provide me with any information, either. This incident occurred on a Sunday, so the following Monday, XX/XX/XXXX, I called Ally Financial regarding the vehicle because I had missed payments ; however, I had previously attempted several times to contact them, and they would not give me any information. One agent did tell me that the vehicle had been charged off, but I never received any information to this effect from the company. That Monday, I was able to speak with a representative, XXXX ( employee identification # XXXX ). He offered me a settlement of {$14000.00}, and he stated that I would have to pay this amount off within 12 months. I was given an amount of {$1100.00} to pay monthly. After having to deal with such an embarrassing situation in front of my home less than 48 hours prior, I felt that I had no choice but to agree to the terms since I needed a vehicle. I have been paying the amount since XXXX of XXXX. When I asked Ally to send me a letter stating the amount of the settlement, I was told that they do not send letters to that effect. They did send me a letter with a totally different and higher amount than what was agreed upon. The amounts on the letter do not add up to the amount that I am paying. 
I later discovered that a charge-off was placed on my consumer report without my permission ( FCRA ) even though I am still paying on this vehicle. 
When I disputed Ally 's practices, I was sent a copy of the contract. In reviewing that contract, I realized that I do not have an agreement with Ally Financial. My contract is with XXXX XXXX XXXX! At this point, I don't even know how Ally Financial manipulated their way into this contract. By placing the charge-off on my consumer report, they are damaging my creditworthiness, and, despite my requests, they are refusing to clear up the consumer report. I feel that Ally Financial and XXXX XXXX XXXX have conspired to take advantage of me, and they continue to prey on me with the high car payments for a used vehicle. It is my belief that they have violated several of my consumer rights, especially my right to privacy.
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 : address fraud on their platform, leaving m, 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Checking or savings account

On XX/XX/21 I applied for a debt consolidation loan. I was contacted by a company that I believed was legit, I gave them my information. The company is named XXXX XXXX and I come to find out there not a real company. There is now constant withdrawals and deposits on my bank account which I have nothing to do with.
Product: Credit card

My trip was delayed due to hurricane in Florida. As a result, I incurred significant expenses. A feature on my card was travel insurance ; specifically travel insurance associated with airfare and vendors aligned to the card. My reliance on this led to me to use XXXX  for my travel and XXXX XXXX for rental services. 

My flight from XXXX was canceled ; due to lack of childcare the following day, I had to drive nearly XXXX hours to XXXX to reach a flight that was out of the storm coverage area. I incurred additional expenses from the rental card and an additional hotel room. 

I applied for insurance and provided the additional documentation. Despite providing multiple documents, the card or insurance company did not request any additional information. After two weeks, despite checking in and told, didn't need anything new ; I received a form denial letter stating my delay was less then XXXX hours. When I called to inquire, a rude customer service representative, whom showed little care for my situation, told me if I had a problem, I should file a complaint with the state department of insurance. 

I've been a card holder for a number of years ; supporting them through COVID when most people left travel cards as there wasn't much travel. I expected better. I consider their practice of indicating in their marketing materials they have travel insurance to be deceptive practices ; and their customer service practices for long time customers to be abysmal.
Product: Consumer Loan

I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX. 
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.