23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$1000.00} plus a {$8.00} service fee to XXXX, and received no service.
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 a timely and professional measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and unprofessional, as they did not comply with error resolution requirements under the Regulation E and Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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.

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: Money transfer, virtual currency, or money service

My employer deposited my funds into my chime account on XX/XX/2023 of XXXX and chime still have not released my funds, every time I talk with them they give me the run around. This isnt fair I been with the bank a long time.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly XXXX compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

On XX/XX/2021, Certified Mail Package ending in XXXX was sent to NATIONAL CREDIT SYSTEMS regarding the account reported on my consumer credit report, for the amount of {$1800.00}. There has been no official rebuttal to my Affidavit of Truth, this company remains in violation of laws that govern US commerce. This company reported the account as closed on XX/XX/2021 to XXXX, updated the balance only, still inaccurately reporting this account on XX/XX/2021 to XXXX. The failure to comply with law pertaining to consumer credit has caused me and my dependents great harm. This account remains unverified and should be deleted immediately from all consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint Equifax responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from XXXX  dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to Equifax, XXXX and, XXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXXn and Transunion should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

I submitted a balance transfer to my XXXX card for {$20000.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the balance to transfer cash to me. They added several charges to XXXX, XXXX, etc. There were also foreign fees added by Barclays. A  payment of {$21000.00} made on XX/XX/XXXX. They payment was later reversed that resulted in high interest payment and other fees added by Barclays. I called XXXX XXXX on XX/XX/XXXX and they are investigating.
Product: Credit card

This company is fraudulent and there affiliates. I WILL NEVER PAY THIS COMPANY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I was 100 percent gurranted by the woman on the phone I would not be charged. They will only be seeing if I qualify. Months later I receive a hit to my credit for an unpaid amount owed to them. How is this possible, I pay 100 percent of my bills and credit on time. I reached out to the company in XXXX the lady laughed at me and said oh it is what it is. There accounting team does not answer the phone as well as Ive disputed this with XXXX multiple times, this is fraud, I did not authorize or approve to be charged by the shady company!!!
Product: Checking or savings account

On XX/XX/21 I received a text from someone from Bank of America asking did I attempt {$1200.00} declined on card ending in -- - at XXXX-Reply YES/NO/HELP. Don't want fraud texts? Reply REMOVE. ( see text upload ) I responded NO. Thereafter I got a call from someone saying they are from Bank of America asking if I made transactions in Texas. 
The person said my information is being compromised and that I needed to transfer my money to a XXXX acct. I than was instructed on how to do so on both my savings acct and checking acct. total transferred {$1700.00}. The person confirmed activity in my accounts, leading me to believe that this is an official representative of Bank of America. 
Once the transfer was complete, the phone line went dead and I called the number displayed on phone, to no avail. Bank of America feels they can't recoup any of my money because I willingly sent it. This is XXXX. Bank of America even admitted to me on multiple phone calls stating they are aware that it was a scam, but they can't recoup any of my money. Someone texted and called me pretending they are from Bank of America. I shouldn't not be held 100 % accountable, especially when Bank of America recognizes this as a scam. Pls. help.
Product: Credit reporting or other personal consumer reports

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 THESE COLLECTION ACCOUNTS IS NOT MINE.I HAVE NO KNOWLEDGE OF THESE ACCOUNTS 15 USC 1681b. 


CHARGE OFFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} THESE COMPANIES HASBEEN RAN AS A CHARGE OFF AND THE COMPANIES HAS REFUSED TO SEND ME THE CANCELLATION OF DEBT FORM 1099C.BECAUSE OF THAT THESE ACCOUNTARE INACCURATE AND NEEDS TO BE REMOVED 15 USC 1681b.
Product: Money transfer, virtual currency, or money service

I was accused of fraud and cashapp closed my account
Product: Debt collection

This account was opened in XX/XX/year>2020 without my knowledge. I have disputed this account not only with XXXX XXXX, but also with Midland Credit Management, informing them of previous identity theft, and that there is a statement regarding this and that I am to be contacted. I have put in several disputes and to XX/XX/XXXX it is still on my credit bureau. I will be sending cease and desist letters to Midland Credit according to XXXX XXXX to stop reporting to my bureaus. there is as of today a balance of {$680.00}.
Product: Credit reporting or other personal consumer reports

I have sent out several letters to each company requesting copies of my report and asking for inaccurate information to be deleted and updated. I mailed the first letter XX/XX/XXXX, no response. My second letter was sent on XX/XX/XXXX. I have received no response from either credit bureau with the requested information, or any response at all. The inaccuracies on my report are stopping me from obtaining credit and I want them removed immediately. By LAW they are to respond within 30 days, no response has been made after TWO attempts. PLEASE REMOVE THESE INACCURACIES FROM MY REPORT. 

XXXX My ONLY name is : XXXX XXXX My ONLY XXXX is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX SC XXXX Please DELETE these inaccurate accounts that are NOT mine. 


XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$150.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1000.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

EQUIFAX My ONLY name is : XXXX XXXX My ONLY XXXX is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$150.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 

XXXX My ONLY name is : XXXX XXXX My ONLY XXXX is : XX/XX/XXXX My ONLY Social Security Number ends in : XXXX My ONLY address is : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$750.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY. 


XXXX XXXX Opened : XX/XX/XXXX Balance : {$560.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT. PLEASE DELETE. NO PROOF OF THIS ACCOUNT BELONGING TO ME WAS PROVIDED WHEN REQUESTED. I HAVE NO CONTRACT WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint against Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX. 

I have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/2020 ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. 

Also the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

CFPB, Loancare was not licensed to conduct business in my state of Nevada when I submitted a Qualified Written Complaint to the XXXX ( Proof # 2 ) regarding my experience during a phone call. 

Loancare admits to the violation of Regulation Z ( Proof # 1 ). 

At this time I was receiving funds from the Victims of Crime Program as I had suffered from an event that was no fault of my own. I was told to apply for assistance at the XXXX XXXX XXXX fund as my circumstances may have qualified for assistance. A statement from their eligibility supervisor stating that my credit report reflects no mortgage payments being made. ( Proof # 4 ) I have provided information from my bank account showing payments to Loancare showing four separate payments to Loancare which seems to conflict with ( Proof # 3 ) Additionally, I have provided a print out showing that my most recent statement while in foreclosure was XX/XX/XXXX, provided is a print out dated XX/XX/XXXX, showing XX/XX/XXXX statement availability. ( Proof # 6 ) This seems to me to be a continued abuse of Regulation Z requirements, though I am not an attorney. 

Thank you for taking the time to attend to this matter immediately, Included items each titled proof ; Proof # 1 is 1 page Proof # 2 is 3 pages Proof # 3 is 1 page Proof # 4 is 1 page Proof # 5 is 1 page
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Experian, XXXX Dear XXXX, Experian, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to XXXX5 USC 1666b A creditor may not treat a payment on a credit card and auto lon account under an open-end consumer credit plan as later for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including.

The information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 20 days before the payment due date. 
I NEVER gave You, XXXX, Experian, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, EXPERIAN, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
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 By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

This process is my attempt to follow up on my complaint to make sure that these items are removed from my file : 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 The listed items are erroneously reported in my credit report, please remove or block them.