23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email from Bank of America on XX/XX/XXXX ( enclosed ) notifying me that I owe them {$420.00} in unpaid fees related to a safe deposit box that was closed in XXXX of XXXX. I had to file a complaint with the CFPB at the time ( XXXX ), due to Bank of America 's willful negligence and inability to resolve this issue without the involvement of regulators.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices. Which violate the consumer financial protection act ( CFPA ). Specifically cashapp 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 act ( 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

Unauthorized Inquiries on credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.
Product: Debt collection

I reviewed my credit report and saw a collections from AWA Collections for a debt that I know nothing about. On my credit report it states that the original debt was with the XXXX XXXX, which I am still a member of. My mail box has been broken into many times over the last 4 years and my identity has been used fraudulently. I have reached out several times to AWA Collections to have them delete this item and they have not responded. This is not my debt and I know nothing about it.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX 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 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 =======EQUIFAX 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 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 XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, my account was closed at approximately XXXX XXXX. I tried to transfer my funds externally, but my financial institution US Bank blocked my transaction, closed my account and has not updated me about my remaining XXXX and some dollars in my account that I have received through my jobs paycheck as a legal employee and have paid taxes on every dollar. I need my money to pay my rent as I quit my job shortly after however my money has not been sent to me and I have not been given an update. I went in person to multiple locations only to be told my account closure is pending and they can do nothing about it. I need my money ASAP or I will end up being evicted. Please help me.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These items below are on my credit report and need to be removed within 4 days. 
Potentially negative items XXXX. XXXX {$140.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX. XXXXXXXX XXXX XXXX  {$5000.00} XXXX. XXXXXXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXXXXXX XXXX  {$980.00} XXXX. XXXX XXXX XXXX {$490.00} XXXX. XXXX XXXX {$0.00} Inquiries XXXX. XXXX XXXXXXXX Inquired on XX/XX/year> XXXX. XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I've asked the Credit Bureaus to do a verification of collections XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX on my Credit Report and they STATED that everything was accurate, I did do a thorough research myself and found improper inaccuracies on Credit Report even after they did an investigation. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15U.S.C 1681 Section 602 A. States I have 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Transunion ( Inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX 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 Please validate this information and provide with me the copies of any documentation associated with these accounts, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 






CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX XXXX ) XXXX CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my Experian... XXXX and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.
Product: Checking or savings account

My name is XXXX XXXX and I have a XXXX business which I use Square to process payment for my business but Square has decided to deactivate my account for more than 6 months now without giving my access to my money. 

I can not withdraw over {$2000.00} which I have with square and they told me that they would not give it to me. 

I need Square to tell me when I'll be able to withdraw my money as I waited for so long.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate repossession entry on my credit report, listed under XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. CXXXXe XXXXi ( a ), I am requesting an immediate investigation and removal of this entry due to inaccurate reporting.
Product: Credit card

On XX/XX/XXXX 2 airline tkts were charged to this card. On XX/XX/XXXX the tkts were cancelled and supposedly refunded to the card in the amount of {$1200.00} X 2 = {$2400.00}. I have transaction # 's XXXX and XXXX given to me by XXXX XXXX XXXX  for the refund. Barclays Bank keeps saying they havent received and will not do anything about locating the money. They even spoke to XXXX  to obtain ALL the info including ticket # 's, refund transaction # 's etc verifying the refunds were issued from their end and Barclays refuses to acknowledge or locate my money and post it to my credit card account. I disputed the charges, spoken to managers and supervisors to no avail. 
THIS WAS AN electronic transaction... It has to be traceable and no one is helping me resolve, especially Barclays Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with XXXX XXXX to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. XXXX XXXX has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and TransUnion pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). XXXX XXXX and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. XXXX XXXX has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code XXXX USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) XXXX XXXX does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification XXXX XXXX and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and tried to make the changes to my credit reports by trans union XXXX and experian. Over and over an over again. I have tried to make the changes online myself as well. Many times. I have not once spoken with anyone who even has a credit score or social security number themselves. I have been told over and over and over again that all my personal information on my credit reports has been changed to the information I have provided. I have been told that all the false and inaccurate information on my reports is not even on my reports. When I am looking at the information with my own eyes online. While I am on the phone with the service agents. They just tell me that they have done what I asked them to do. But in fact nothing at all changes from the false information on my reports to the accurate information I give them over the phone. Its as if they are taking my information and using it to change my reports to whatever they want to add. This sounds ridiculous but it is in fact 100 % true.
Product: Mortgage

My income was cut by almost 50 % in the past two years. It caused me to fall behind on my mortgage. I applied for assistance with Shellpoint Mortgage and they are now refusing, evading, to review me for assistance. They state I was offered a trial payment in the past and that is the reason. However, I hired an attorney to help me with the process and my attorney states Shellpoint is violating RESPA Regulation X by " evading '' review for assistance. I wish to apply for assistance and Shellpoint is blocking me from doing that. I could not accept the trial they were offering me at the time, but I can now make payments again. There is no reason they should be refusing to help me save my home.
Product: Mortgage

{$1000.00} extra payment to principal made on XXXX put in special deposit. 
{$1000.00} extra payment to principal made on XXXX put in special deposit. 
We have called many times for them to correct it still has not been posted!
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

CKS is trying to collect on a debt that they know was one of the fraudulent accounts. I attempted to request a full transaction history so I can ensure that none are legitimate. They refused, deleted it from my report to avoid having to verify, and then placed it on there again. They have my FTC report hospice certification for the time period and all other documentation. I do refuse to speak to them directly. As they are extremely abusive pushy and trying to trick me into verifying the debt, so they will need to do all verification via mail and through 3rd party. I offered arbitration when my health allows if they believe this debt is truly legitimate.They have also reaged this account A few times and changed the balances.
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 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 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, credit repair services, or other personal consumer reports

My XXXX year old mother just contacted XXXX  to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX   answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. 

I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. 

So basically, you both protect the criminal and not the victims. Great. Thanks alot.