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

Equifax Inc. reported that their systems were hit with a cyberattack and that the attack may have affected nearly 143 million people. Due to this, my information may have been compromised. I am afraid that my information can be used to either open up fake accounts under my name or identity theft. In light of this information, I have set a fraud alert on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed nor did you send me anything, you seem to be ignoring my request and this is a violation of my right as a consumer. I sent the letter on XX/XX/2022, but it's been over a month now and I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to take legal complaint should you continue your negligence.
Product: Money transfer, virtual currency, or money service

I am filling 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 FAIL 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 ACT ( EFTA ) AND REGULATION E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLENCE.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Fair Credit Reporting Act ( FCRA ) Dispute and Opt-Out Notice Dear Capital One, This letter serves as a formal dispute of information on my credit report and an opt-out notice pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681s-2. 
Identity Theft Victim : I am writing to dispute information on my credit report due to identity theft. Specifically, the following accounts are inaccurate and should be removed : Third party agencies XXXX XXXX XXXX XXXX XXXX any other third party agencies using my information 15 USC 6802 Restrictions on Sharing Information : Financial institutions ( banks, credit unions, investment firms ) can not share a consumer 's nonpublic personal information with unaffiliated third parties unless the consumer gives written consent. 
Providing Notice : The financial institution must provide a clear and conspicuous notice to the consumer explaining what information is collected, how it's used, and with whom it might be shared. The notice should also detail the consumer 's right to opt-out of information sharing. 
Capital One has been Sharing my personal information to third parties Legal Basis : 15 U.S.C. 1681c-2 requires consumer reporting agencies to block information identified as a result of identity theft within 4 business days. As a victim of identity theft, I request the immediate deletion of these accounts. 
Previous Attempts : I have previously attempted to address inaccurate information on my credit report. These errors have caused significant damage to me and my family. 
Request : Therefore, I am requesting the following : Immediate Investigation : A thorough investigation into the disputed information on my credit report. 
Correction of Errors : The removal of any inaccurate or unverifiable information from my credit report, specifically the accounts listed above. 
Opt-Out Notice : I hereby opt-out of any and all authorization, written, unwritten, verbal, or non-verbal, previously granted to Capital One to share my personal information with third parties, except as permitted by law. 

Incorrect reporting of personal name and Address total inaccuracy in reporting on the credit report directly going against 15 USC 1681. The Inaccurate information must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX ), account # XXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX  payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.
Product: Debt collection

Creditors Bureau USA has contacted me several times regarding an expense for a test conducted by XXXX XXXX that was covered by my insurance. XXXX is intentionally trying to double-bill me. On XX/XX/20, I was contacted by them again after my insurance company, XXXX, confirmed that I should not be billed for the expense. The caller lied on the recorded line and said that he spoke with XXXX and that they said that they did not cover the test. I requested not to be contacted by Creditors Bureau on a recorded line with the same caller. Today, XX/XX/20, I received an additional threatening call on a recorded line from Creditors Bureau USA even though I had requested to not be contacted by them again. The caller said that he erased my phone number, but they will continue to try to contact me even though I requested that they do not on the recorded line. Both Creditors Bureau USA and XXXX XXXX have tried to extort me for a bill that I do not owe money on because my insurance plan covered the test.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from XXXX XXXX XXXX XX/XX/XXXX notifying me of line of credit decrease based on credit report from XXXX indicating a delinquent account in the amount of {$590.00} with SychronyTJX Rewards. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with XXXX. XXXX then referred the dispute to Synchrony on XX/XX/XXXX. I then received some paperwork from Synchrony dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. Synchrony did its  investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from Synchrony on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX INT : XXXX
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. Has violated my rights. 


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 DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX 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. THEY DO NOT HAVE MY WRITTEN CONSENT.

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX since 2020
Product: Credit card or prepaid card

I made a purchase through a XXXX company on XX/XX/XXXX. The prices are listed in CAD dollars on the website with an option to convert to USD. The purchase was charged in the USD not the CAD equivalent ( {$140.00} CAD was charged as {$140.00} USD ). I reached out to the seller and sent screenshots of the website and how much I was charged. The seller stopped responding. 

I waited till XX/XX/XXXX when the payment was charged to my credit card account and disputed it through the online portal. The portal asked if I had any evidence to upload to the dispute to which I responded yes. The dispute was submitted without an option to upload any documents. I received an acknowledgement email and letter from Bank Of America which provided a mailing address or fax number to upload evidence. I was out of the country and returned on XX/XX/XXXX. I called Bank of America and asked if there a way to upload my email chain to the dispute and was told I need to wait 10 days for an agent to review my dispute to " open '' the online portal to upload my documents. 

Why is it necessary to wait an additional 10 days to upload information I had when the dispute was opened? This process seems unnecessarily long and time consuming. First the consumer needs to wait 10 days for the dispute to be viewed, then upload the documents then wait again for the dispute to be reviewed a second time. This dispute only needed to be viewed once if the portal would allow me to upload the documentation the first time. Having a consumer go into a branch or fax documents is an antiquated system. If my dispute is submitted electronically, I expect to be able to submit the supporting documents for my dispute at the same time. While this wait is going on, the payment amount being disputed has not been refunded. This system is built to protect the bank and the seller, not the consumer.
Product: Checking or savings account

XX/XX/year> : The amount of about {$2800.00} should have been deposited into my checking account via direct deposit at Capital One Bank. I have not heard anything from Capital One about my deposit and I have not received my deposit. However, I do see the information where my employer has paid me. I had plans to use those funds to pay bills. In addition, I may have to cancel my plans that were already paid for and nonrefundable due to Capital Ones breach. Such negligence should be investigated as this is causing significant damage and causing me to lose additional funds that I did not cause. Capital one has not provided any definite or accurate answers and has already gone over the time frame that I was told it would be resolved.
Product: Mortgage

So first, this company had a third party company show up to my house three times to see if I still occupied the residence in the process of me trying to communicate with them about loan modification. 

Second, I called Shellpoint Mortgaging Service LLC on XX/XX/year> to let them know that I do not plan to stay in the property and would like to do a deed in lieu of foreclosure to deed the house back to the bank. I was told that I have to put my house on the market for at least 4 months without an sale or offer in order to qualify for the deed in lieu. On today, XXXX XXXXXXXX XXXX, I had an appointment scheduled with an appraiser that was cancelled because I was not happy with the customer service and requested another appraiser. However, Shellpoint also sent an appraiser for the deed in lieu, which he informed me he was here to make sure the property was cleared out and no furniture was here. 

I still occupy my home, and am waiting for a new appraiser to contact me to schedule so I can know at least how much to list my house for, as per the qualifications for the deed in lieu. 

The amount of frustration I have to endure interacting with this company is asinine. Not only do they not communicate in a timely manner, they also don't seem to do anything correctly. 

I deeply believe this company is trying to force a foreclosure on my home, even though I am making multiple attempts to prevent that from happening. I've filed multiple complaints with the CFPB and the XXXX. My next step is taking this matter legal because this is getting out of hand. 

Shellpoint literally has THOUSANDS of complaints. Why are they still allowed to be in business?
Product: Credit reporting

I have been attempting to improve my credit score. I have been monitoring my credit report via Experian. I ordered my credit report and observed that it contained some errors. I wrote the attached letter to Experian and asked them to take corrective measures. I cited each entry that I felt should be removed and also cited the points of authority that justified such action. 

I read the Fair Credit Reporting Act as well as the clarifying letter form the Federal Trade Commission. The letter from the FTC said " The commencement of the delinquency that led to the action '' I took that to mean when the first late or default on the obligation occurred. That is when the seven year clock on reporting begins/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom It XXXX Concern, I am writing to request an update to my personal information on file with your agency. Please find the correct and accurate details below : XXXX. Full Name : XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/XXXX XXXX. Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Employment : XXXX XXXX The current information listed on my credit report may be incomplete or inaccurate, and I ask that you update it accordingly. 

To assist in verifying my identity, I have enclosed the following : A copy of my government-issued ID ( drivers license or passport ). 
Please process this request and update your records at your earliest convenience. I would appreciate a confirmation once the changes have been made. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Elain Financial Services didnt give me credit on my account for the month of XX/XX/2020. As factual proof of payment for the month of XX/XX/2020, I provided Them with my citizens bank statements showing multiple payments being made via automatic pay for the month of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times to have this Account # XXXX removed from my Equifax credit report when the company is clearly taken advantage of my rights and is in violation of multiple FCRA laws. To start, In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : Also states a consumer reporting agency can not furnish a this account without my written consent.

Under 15 U.S.Code 1681b permissable purposes of consumer reports I never gave any written consent to report this a count to my Equifax credit report. No consent is identity theft.

Under 15 U.S.Code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) this account is in violation not reporting 100 % accurat, it lists Child support court as the furnisher thats forgery and misleading because the courts dont report this type of account.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are decpetive and unfair.
Product: Mortgage

My home loan was being service by Seterus. Seterus was purchased by a company called Mr. Cooper. Mr. Cooper sent me a letter stating that my loan modification with Seterus would not change. I received a online text from Mr. Cooper saying that my XXXX payment will be XXXX more each month. I called and was told that my escrow amount is low. I ask how did this happen. I've been with Mr. Cooper for almost a year now. I told the loan agent at Mr. Cooper about my modification and the letter stating nothing would change my loan modification. I did not get a letter a call about the increase. I notice the increase as I was making a online payment. The information was noted on my account. I think something that is important as a XXXX  a  month loan increase should be sent ASAP and stated with great urgency and highly visible.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.