23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 



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 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 card

I called my credit card company because I was having problems registering online so I could see my bill and pay it. I spoke to customer service who had me verify my account and then they transferred me to technical support who had me verify my account again. Not wanting to go through a lot of hassle I told him that he did not have to assist me and that he could send my back to customer service. When he did they ask me to verify my account again. Frustrated I asked for a supervisor, and was transferred to fraud and accused of not verifying my account. I said that I did verify my account but I should not have to verify it 4 to 5 times on the same call. Besides I called to look at my account online not to get information about my account from anyone on the phone. I spent a lot of time speaking to fraud, a lady named XXXX who was having a hard time taking my complaint. She finally transferred me to XXXX who identified herself as a fraud manager. I again asked her how do I place a complaint. She was evasive and disingenuous throughout the call and she lied telling me there was only one way to make a complaint. She told me that she had documented my complaint and asked her how could she had if I did n't give it to her to document. I hung up after getting no where and called back for a supervisor to make a complaint. I got Someone name XXXX. Who verified me and told me there was a block on my account. I asked him if that meant I could not make a complaint. He put me on hold and came back with XXXX from Fraud. We went around in circles before she realized that this was n't a fraud case and she transferred me to XXXX who identified herself as an account manager. She told me that I could make a complaint to the office of the president and she gave me the address and she took my payment. All of this took about an hour and a half of my time. I do n't know if my account is still blocked but I want Citibank Office of the a president to know about disgraceful exchange with me so the individuals could b addressed for their poor customer service. No one should have to be verified 5 times on the same call.
Product: Debt collection

Midland Credit Management from XXXX XXXX XXXX, ( their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) ) they bought an old collection account from somewhere else and started to aggressively go after me for this disputed debt. They have called from known numbers and from " anonymous '' numbers sometimes up to four times a day. Also, they called my close friends, my next of kin and discussed the matter with them while under the guise of looking for me. They need to be stopped.
Product: Checking or savings account

On XX/XX/20 I submitted an electronic message to Bank of America asking them to investigate why a payment of {$1100.00} had been charged against my checking account but has not been received or deposited by the company I sent the payment to through my electronic bill payment. After going back and forth, they determined the check had been deposited to a XXXX XXXX account. The company I paid was adamant they do not nor have they ever had a XXXX XXXX account and did not receive or deposit the check. Bank of America had them fill out paperwork to verify this and said they would work on getting the funds back before they re-issued the check to the company I sent the payment. Here we are now almost 2 months and a number of inquiries to Bank of America later and the company has still not received a new check. I keep getting back messages Bank of America " this issue is being researched and we will contact you with an update or resolution ''. I need help getting this money back into my account or a new check issued to the company please.
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 proces-was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit card

Macys credit card services account ending in XXXX. 

While not using the card for two straight billing cycles, I was billed a two dollar charge per 30 day statement. I was unaware of the fact that I would be charged an interest fee which then led to a late payment of {$5.00}. I paid that fee. This current billing cycle they once again charged me two dollars interest fee despite having zero transactions on my card. I called Macys credit card services and I requested them to waive my fee or their or I would cancel the account. However, as a timely paying consumer with no payments and a good history with the creditor, I have kept the account open. I would like a formal complaint to this particular creditor for assessing charges while having no transactions or usage of the card. That is discriminatory and not legal to assess consumers for not using the card.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very dissatisfied with the credit bureau ( Equifax ) I have been unable to receive any knowledge of my credit profile. This matter has been going on for months, I have contact them, send over all identifying verification, even filed for a police report and filed for FTC/Fraud Alert . The have told me multiple times that I am providing them with incorrect mailing address, there's no farther information they can help me with. I have spoken to multiple agents and supervisors, there were not helpful what so every. This very stressful because I have been trying to gain access to my credit report for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Every time I try to connect to XXXX it directs me to XXXX XXXX XXXX XXXX.action TXXXX XXXX   website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/XXXX to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

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

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with CBNA/Best Buy. An account with CBNA Best Buy was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXXXXXX. An official dispute of this information was submitted to CBNA/Best Buy fraud department XX/XX/XXXX ; however as of this date CBNA/Best Buy has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's XXXX  credit report. In addition an official dispute of the CBNA/Best Buy account was submitted to XXXX ; the address associated with the fraudulent account was also reported to XXXX  however, as of this morning XX/XX/XXXX " XXXX '' a representative with XXXX confirmed with my client, XXXX XXXX the fraudulent address and CBNA/Best Buy information was not being removed. 
Both XXXX  and CBNA/Best Buy are in violation of FCRA and have violated my client 's federal consumer rights.
Product: Debt collection

Harris and Harris LTD has submitted for collection on behalf of XXXX for {$120.00} for an account never activated or requested for address in XXXX XXXX, Texas.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed XXXX, Transunion and XXXX consumer credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX  XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Product: Mortgage

Our mortgage is currently with Specialized Loan Servicing ( SLS ). When COVID forbearance options became available, we requested a forbearance on our mortgage, but quickly realized we didn't need those benefits and requested to have the forbearance removed. They removed the forbearance promptly and all seemed well. This occurred XXXX 2020. 

Some time around XXXX, our account began a review for mortgage assistance, although that was never requested by me or my husband. I spoke with a representative on the phone who confirmed this review started with no specific request from the account holders. This mortgage assistance review caused a slew of issues. Our normal monthly payments and escrow only payments were disrupted and were not applied appropriately without having to contact the company by phone ( which is very difficult to do ) to get the account situated. 

The main reason for my complaint today is the valuation report that occurred as a result of the mortgage assistance review/request. We were charged an {$85.00} fee for this valuation report that, again, we never requested. I spoke on the phone with SLS requesting for the fee to be waived two different times and sent a written letter requesting the same. We received a letter from the company saying they received the request and were reviewing it around the beginning of XXXX and have not received a response. 

We never requested mortgage assistance. We were paying our mortgage each month and was never late or behind. We never requested a valuation report that we were charged for. I really wish we could switch mortgage companies, but all I am requesting today is reimbursement of the {$85.00} fee for the valuation report we never requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX  account XXXX my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : 1. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( 98percent usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section.

2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Product: Vehicle loan or lease

Every month I make my payment on time. At one point I had paid ahead of time and Carmax stated that I had missed an XXXX payment and I had not missed this payment. The statement for that month reads as if no payment was made. This error really caused confusion, but I still continued to make payments for the next month- XXXX. In XXXX, I was billed twice for a payment and it caused my bank account to be overdrawn and I owed a balance of {$29.00} and Carmax has yet to return those funds to me. I called on the XXXX of XXXX and made another payment of {$500.00} for a total of {$1000.00} for my XXXX payment and the bulk of my payment went towards finance charges again. My normal monthly payment is {$870.00}, but I sometimes pay a bit more to try to lower my principal balance. Carmax has a policy were you are supposed to make your normal monthly payment, but for any extra payments made, you have to call the next business day and ask for the extra payment to be placed towards the principal balance. This never happens because an excuse is made by a representative as to what you did wrong. Furthermore, I dont think a customer should have to do this each time. My primary issue is that Carmax is not dividing my payments equally towards my principal balance and my finance charge that accrues daily. When I signed my loan, I didnt know that there was no set finance charge for my loan. I feel like this was done so that it will take the customer longer to pay off the loan. I have had my vehicle for a year and paid every month on time and made extra payments and I have only paid off about {$5000.00} on a XXXX loan. I am being charged almost double for the vehicle I purchased. I also cant refinance the vehicle with my bank or anyone other company because of the type of loan I have. The vehicle is also less than what I paid for it. When Im done paying for the vehicle in 2027, I will have paid about {$52000.00} and the vehicle is only worth at this time {$15000.00}. I feel like I was ripped off by Carmax.
Product: Money transfer, virtual currency, or money service

My son pays rent to me every month through the CASH App. We used it because it was easy to track. On XX/XX/year>, my son sent {$600.00} to me through the CASH App which I received an email from CASH App of the deposit. On XX/XX/year>, I opened CASH App to transfer the payment to my bank account. I initiated the transfer for the delayed deposit to avoid any fees. This is the same process I have used every month for years. On XX/XX/year>, I received a text message from CASH App stating that my phone number has been unlinked from my CASH App account. I opened up my CASH App account and found someone from Florida logged on my account. I immediately removed that person from my account. At the time, I did not realize the person who breached my account cancelled my transfer of {$600.00} to my bank and then transferred my money to a unknown Green Dot card for {$600.00} and paid {$10.00} for the immediate transfer. HOW DOES THIS HAPPEN? How does someone get full access to my secured account from another state and CASH App allowed this transfer to happen. CASH App knows all my information and they know where I live. I called CASH App customer support and tried to explain over the phone what happen and asked for a refund. The CASH App representative took my information and said they will respond within 10 days. 10 days passed with no response, so I called the same customer support number. The representative said my claim was denied. I asked to speak to a supervisor or someone else, but they said no one else is available. I feel like a was talking to someone out of the country and was not understanding. I'm very frustrated from the lack of responsibility and position CASH App is taking by denying my claim. It was only {$600.00}, but this type of fraud should never happen. CASH App has the control. They must have a serious problem that is being covered up. They could have prevented this transfer of funds when they realize that someone login to my account from over XXXX miles away. CASH App is responsible for this breach in their security and should refund my {$600.00}. Also, who ever breach my account, made a cash request of {$600.00} and {$1200.00} to my son that was not initiated by me. Very scary that this scammer had full access to my account.
Product: Credit card or prepaid card

On XXXX I sent information for Citibank to follow up on regarding a dispute. The person handling my dispute, XXXX XXXX, never called the mechanic listed. If she had she would have learned that the charge I was disputing was valid. I spent months sending her more documentation only to discover after she has given the merchant several chances after deadlines arrived and has now resolved the case in their favor that she never followed through on the very first vital contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX