23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First of all this debt is 12 years old I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am a homebound XXXX n retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my autistic child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send 20 dispute letters last year ( Credit Pros ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I will not let this hinder my sons quality of life again.
Product: Credit reporting or other personal consumer reports

Letters have been sent to company XX/XX/year> XX/XX/year> and XX/XX/year> information just comes back as verified. Submitted letter for proof of how they verified no response.
Product: Checking or savings account

I would like to close my Huntington Business Checking account ( # XXXX ). Unfortunately, Huntington Bank requires an in-person visit to a branch for account closure, but the nearest branch is a XXXX XXXX from my location. A XXXX round trip is not feasible for me.
Product: Vehicle loan or lease

On XX/XX/2020, I went to the DMV to transfer the title and registration from XXXX to XXXX. I learned from the DMV that I needed a copy of the title with my name on it and the lien holder information, First National Bank.  I contacted the bank and they were unwilling to provide the copy of the title without a faxed request from the DMV. The DMV would not fax a request to the bank. I contacted the bank again and relayed to them that the DMV would not fax a request and we needed them to provide the copy of the title so I could complete the registration and title process so we can utilize our vehicle in the state of South Carolina. The bank has an arbitrary rule not to release the copy of titles to their borrowers. Our vehicle is now unusable as we apparently will never be able to get the vehicle titled in our new state of residence. The bank is unlawfully holding a simple copy of the vehicle title hostage for no logical reason.
Product: Checking or savings account

I opened up a college chase account around XXXX. I received a {$1500.00} dollar check form XXXX the college that I attend for participating the summer bridge program. 

After that School was about to begin and this was the time a lot of scammers infiltrated our domain and were sending fake job offers. I fell victim to this scam, but nothing happened to me personally as for receiving a fake check for {$420.00} which i deposited this was on XX/XX/XXXX and the next day I decided to the deposit my {$1500.00} check the {$420.00} was returned back as fraud around XX/XX/XXXX or XXXX. My account was locked shortly after.After I found out I called chase and told them about the incident and they said my account would be unlocked as soon as my {$1500.00} dollar check went through and it did around XX/XX/XXXX. My account was functional and the money was in the bank. there wasn't a single problem. After a week chase closes my account and tells me that they need to verify the check with owner. All the numbers they have lead straight to voicemail and every number i try to give them that will work they deny since it's not in their database. I don't what to do and Im very scared I don't have a lot of money and this was gon na help me get through my first year of college. I contanted the finance department and even they were confused stating if the check went through what was the reason for the verification. He also stated there is little to no chance they have any numbers that are associated with the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, while looking at my credit report, I saw a hard inquiry by XXXX and when. Selling, they told me the hard inquiry ( which substantially lowers credit score! ) was done by XXXX XXXX? 
I called XXXX and, I knew they had no permissible reason for doing a hard inquiry as I Pay on time in full since my 1st payment in XX/XX/2016! XXXX XXXX said they did not do it and they expedited the b investigation and called me as they said they would but now I cant get in contact with XXXX  where I was part of the hackiNg.
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 proce 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 ( 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 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

There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how or why it appeared. I routinely check my report, and this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but it wasnt. The unauthorized inquiry remained, which is completely unacceptable. I need this issue addressed immediately, and I demand a thorough review of the documents Ive submitted so that I never have to deal with this kind of stress again.
Product: Credit reporting or other personal consumer reports

am writing to formally request your assistance regarding multiple disputes I have filed with [ Credit Reporting Agency/Creditor ] that have not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my good faith efforts to resolve these matters, the responses provided by [ Credit Reporting Agency/Creditor ] have been inadequate, and my rights under federal law have been disregarded. 

Under the FCRA ( XXXX U.S.C. XXXX ), credit reporting agencies are required to conduct a reasonable investigation of disputed information. Additionally, they must provide me with evidence substantiating the accuracy of the reported items. However, my requests for proper verification have been met with generic responses and a failure to produce any tangible proof validating the alleged debts. 

Furthermore, under the FDCPA ( XXXX U.S.C. XXXX ), I am entitled to request verification of any debt being reported. Any failure to furnish the appropriate documentation constitutes a violation of my consumer rights. The continued reporting of unverifiable information is causing significant harm to my financial standing and creditworthiness. 

I respectfully request that the CFPB investigate this matter and hold [ Credit Reporting Agency/Creditor ] accountable for failing to adhere to federal regulations. Additionally, I demand the immediate removal of any unverified and inaccurate information from my credit report in compliance with my legal rights. 

Please acknowledge receipt of this letter and provide me with an update on the status of my complaint at your earliest convenience. I appreciate your time and assistance in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have had my bank account with Truist for over 2 years. Theres isn't any fraud on my account obviosuly as they would probably reverse a payment or completely close my acct. This is there second time locking my account. They said I needed to walk in with 2 forms of id. I have walked in 3 branches showing them all my documents and they all refuse to still unlock. Customer service has told me over the phone multiple times I just need to go in to verify my identity and I have done that and they still wan na hold my money. I think Truist is trying to really steal my money. I can't pay my bills and am late because they have decided to hold/borrow my money for themselves. If Dont already. Do not bank here!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

This is in regards to my account ending XXXX. For about 3 months now, Synchrony XXXX credit card has been incorrectly applying my monthly payments. They take the payment and apply it to the last month 's bill. Then they claim that I owe them for the same month -- that I owe them a second payment. I have chatted with them online. They always correct the problem and remove the late fee. But this keeps happening. I called them this time and tried to talk to their CSR to get this resolved. He just kept saying that the system said I owed it and therefore he was admit that I owed it. I need you to fix this problem... forever... long term... permanently. The way that they are doing this it is taking advantage of people like me. We pay our bill each month, albeit early in the month before the due date on the XX/XX/XXXX of each month. But because they have an inadequate system that can not recognize that a payment has been made for the current month and apply it to what will be due at the end of the month I have to repeatedly call in and tell them that the payment was not a duplicate -- that I am not late -- that I have already paid them once that month and not required to make two payments in each month. Up until now they have resolved this. This is absurd.
Product: Credit reporting

My credit score is being lowered simply because I have an inquiry. I 'm a full time student in a XXXX program and have applied to private and subsidized lenders for student loan funds. As a result, my credit score is effected because they automatically check my credit when applying. In addition, I 've applied to a couple of credit cards which appear to have better interest and/or point program, but not necessarily going to take the line of credit. THIS DOES NOT MAKE ME A RISK!!!!! If I 'm not paying my bills or paying late I can understand that having a impact on my credit score, but IF I AM PAYING MY BILLS AND PAYING ON TIME, WHY SHOULD MY CREDIT SCORE GO DOWN!!!!!!!!!! I think this is unethical, unreasonable, and unacceptable!!
Product: Credit reporting or other personal consumer reports

i have accounts opened on my report i have no knwledge of an didnt even know abiut til now an its not right thats is on there if its really not me XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report, which are reported by third-party agencies. Please remove these accounts, these inaccuracies and delinquencies are destroying my ability to obtain credit, housing, education, and my life. Thank you!
Product: Credit reporting

I obtained a credit report from Experian on XX/XX/2017. We also obtained one for my wife using my credit card for both. The credit report was " free '' and they charged a {$1.00} for credit scores. They had a pop up with a lengthy description of terms of service which I accepted. ( I did not read it thoroughly as this stuff is mostly boiler plate usually. ) I accepted. On XX/XX/XXXX they made XXXX separate charges of {$21.00} on my credit card. I noticed the charges on XX/XX/XXXX and called. They indicated that it was a membership fee that I agreed to in the terms of service area. I have to say, that the disclosure is not clear. I asked for a refund and they refused. They have supposedly cancelled my membership but will not refund the nearly {$44.00} in charges that were not plainly posted. I know of no financial institution that can bury notices like this and the lengths that mortgage companies must go to in disclosure and think Experian is using deceptive practices with the {$1.00} charge to lure you in and accept the terms of service with the hidden fees. I want Experian to refund my moeny.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau.  Please block and remove all information from my credit report, and send me an updated copy of my credit report. The items outlined in my dispute do not belong to me and is a result of fraud that I did not authorize. Im bothered by the fact your company sent me an updated letter stating you verified these inaccurate fraudulent accounts.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate. From my research on the FTC web site, you cant parrot information from the collection agencies, but you must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA.
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 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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.Section States : no consumer 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

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports :
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian <XXXX> keeps emailing me and says that I can login into my account to check my credit score. I do not recall making an account at any point. I went to change my password to see if I could deactivate this falsely made account but the only way was to call or mail in. There were no options to speak to representative to deactivate this account and the auto prompt told me to mail them if I want to explain why I was contacting. If a company has an online account then there should be a way to deactivate the account through their website without jumping through a huge amount of hoops. As this company has already lost the sensitive data of millions of Americans I want nothing to do with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in 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 captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$8800.00}
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the inaccurate information reported in my credit file. The account listed below shows late payments that I have verified as incorrect. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX or full account number ] Disputed Item : Late payments reported in XXXX, XXXX, and XX/XX/year> I have attached documentation showing my payment history from the creditor, which confirms that all payments were made on time and the account was paid in full as of XX/XX/year>. Specifically : XXXX. Payments were made on [ list key payment dates from the schedule ]. 
XXXX. The total payments match the original balance of {$1500.00}. 

This documentation demonstrates that the late payment entries are incorrect. I respectfully request that you investigate this matter with the creditor and remove the inaccurate late payments from my credit report. Please provide me documentation of the historical history of this account, providing otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$1400.00} Opened XXXX XXXX, XXXX XXXX  Balance {$3.00} Opened XXXX. XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2024 I made XXXX purchases from XXXX and was promised that I would receive my merchandise by XXXX XXXX, 2024. I didn't receive my merchandise, so I contacted Cash App customer service to file a dispute. A few days later, I received an email from Cash App denying both disputes, and the reason given was that based on their investigation, the merchant had fulfilled their obligation. I asked that they would furnish me with the information used to deny my dispute, because I can't see how they concluded that the merchant had fulfilled their obligation when I still have not received the merchandise I order. In my opinion, I feel that Cash App didn't really investigate this complaint. To this very day, Cash App have not provided me with the information they used to deny my dispute. XXXX  purchase was in the amount of {$42.00} and the other {$39.00}. Each time I've contacted Cash App, my call was transfer to another agent, who passed me on to agent after agent without being able to address my situation.