23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Portfolio Recover of XXXX, VA keeps calling my cell phone XXXX XXXX XXXX repeatedly and they should not be contacted my cell phone to collect a debt. They do not leave a message and call from various phone numbers with different area codes. I would like this practice to cease at the earliest.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws regarding how my personal and credit information has been handled. Specifically : Willful Noncompliance : Under 15 U.S.C. 1681n, credit information about me was accepted and reported without proper verification, demonstrating willful noncompliance with federal requirements. This has caused harm to my credit standing.

Failure to Disclose Opt-Out Rights : Per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of having my personal information shared. This omission violated my consumer rights and resulted in misuse of my data.

Reporting Inaccurate Information : In violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ), inaccurate accounts and inquiries were furnished without proper validation. This includes discrepancies in debt amounts, late payment reports, and unverified accounts.

Unfair Debt Collection Practices : Debt collectors engaged in harassment by reporting inaccurate debts and contacting third parties improperly, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ) and regulations on acquiring location information ( 15 U.S.C. 1692b ).

Deceptive Reporting of Late Payments : My credit report includes " late payments '' that are inaccurately reported, with no clear definition of what constitutes a late payment, violating 15 U.S.C. 1666b. This is both deceptive and harmful to my financial reputation.

Unauthorized Reporting : Information was included in my credit report without my explicit consent, which contravenes the permissible purposes under 15 U.S.C. 1681b.

Negligent Noncompliance : Some accounts were reported without verifying their accuracy, breaching 15 U.S.C. 1681o, which establishes liability for negligent handling of credit information. 

These violations have led to false or unverified information on my credit report, causing financial distress, unnecessary contact from creditors, and damage to my creditworthiness. I am demanding that all unverified and inaccurate accounts and inquiries be corrected or removed promptly as required by law. If these issues are not resolved, I am prepared to pursue legal remedies to protect my rights.
Product: Credit reporting or other personal consumer reports

I received a letter from The United States Bankruptcy Court stating that they do not report individual bankruptcy case filing data to credit bureaus, nor do we update information directly to the credit bureaus. Please see letter attached. The credit bureaus XXXX, XXXX, and Experian. They are buying and selling my information without my consent. Since the bankruptcy record with all the companies that was affected by the bankruptcy was place in all three credit bureaus reports since XXXX, all these years you have denied me good credit and paying high interest rates. Where did the three credit bureaus get their information from? Remember the bankruptcy Court do not report information to credit bureaus, that means ALL credit bureaus. This is FRAUD.

Where did the three credit bureaus get their information from? Under the FCRA, I can seek statutory damages furnishes inaccurate information. You have four days to delete the information from all three credit bureaus.
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 XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX8110. 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX capital XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX to whom it may concern : your company is in clear violation of the fair credit reporting act. 
XXXX XXXX XXXX ( a ) XXXX ( B ) XXXX WHICH GIVES ME A RIGHT TO ASK FOR INVESTIGATION PROTOCOL XXXX XXXX XXXX ( a ) ( XXXX ) B WHICH GIVES ME THE RIGHT TO CHALLENGE REINSERTION OF NEGATIVE ACCOUNT WITHOUT PROOF OR NOTICE THAT THEY WHERE REINSERTING DISPUTING ACCOUNT AS YOU CAN SEE IN MY PREVIOUS LETTER I ASK FOR PROOF THAT I WAS LATE AND I ASK FOR THE METHOD OF VERIFICATION AND SAID COMES XXXX XXXX TRANSUNION XXXX AND XXXX REFUSE TO OBEY THE LAWS OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for XXXX XXXX XXXX XXXX XXXX XXXX This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with the following : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, XXXX XXXX This communication is with a debt collector. '' I have contacted Equifax several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. XXXX out of the XXXX of the collection accounts were removed. However, there are XXXX collection accounts that need to be removed immediately. I had XXXX XXXX XXXX XXXX at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.
Product: Checking or savings account

On XXXX XXXX, 2022 I received an email from XXXX to authorize or decline an invoice. I did not click on the link in the mail. 

I went to my XXXX account online and with the two step authentication and declined payment of the invoice of {$550.00}. 

I then called the phone number listed within the XXXX message because it was suggested that I call. 

On the XXXX page listed a phone number that I called. ( XXXX ) XXXX. I reached out to someone on this number who said he was from XXXX and he would help me reverse the charges. 

He asked me to add an app. I said this doesn't feel right. I deleted the app later so I don't recall the name. 

He said that there were numerous other charges from XXXX and XXXX in addition to the original one I was calling about. He said that he could help me fix it and get my money back. 

We went to the XXXX app and he had me add email addresses and buy XXXX. He said that we had to enter it this way for a refund to my checking account. I said I don't see any credit in my checking account by doing this. I was assured that I would be refunded the amounts. It would take time to refund. A total of {$420.00} was charged with XXXX using my Chase Visa/debit card. 

At one point he said that he could not hear me and would call me back. He then called from another phone number. 

I am embarrassed to say that I was tricked and scammed. 

You need to know that I called this number from the XXXX website. The phone number was not in the original email they sent me. 

I suspect the scammer was the original person I spoke to and may very well be working within XXXX. He then had someone else call on a different phone number to scam me. 

I stopped when my bank called and suggested that I hang up from the guy because there were numerous suspicious charges on my checking account. I hung up and the scammer continually tried to call me back. I did not respond. 

It has taken me hours to try to figure this out. 

The Chase  initially replaced the money that was taken from my XXXX and XXXX accounts. They did research and determined that the fraud was done on my own phone and they removed the money from my account. 

Following are the amounts taken from my Chase  checking accounts that were not by me. The person said he was from XXXX removed this money : XXXX {$420.00} XXXX {$800.00} Chase  initially put money in my account due to fraud after I called and identified the fraudulent charges. 

Later on XX/XX/2022 and XX/XX/2022, Chase removed this money from my checking account because they said the fraud was done on my phone by me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquires XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ]
Product: Mortgage

Property was sold on XXXX XXXX, 2015. Mortgage servicing company ( Roundpoint ) received full payoff amount on XXXX XXXX, 2015. As of XXXX XXXX, 2015 I have not received the {$2700.00} in escrow funds that should have been released immediately when the mortgage was paid in full.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amex/Citibank- reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. 

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Synergistic Communication Inc I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to Synergistic Communication Inc, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement claiming it was a valid dispute and provided documentation, I sent a response letterXX/XX/XXXX disputing the information and bringing to the attention of the dispute personal the signature on the provided paperwork is not mine and provided reference to the chain of documentation that has been certified an notarized in correspondence to this matter to prove this claim. I requested they remove the information from my credit report and report this to all three major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX2021 I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXX XXXX  - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account NumberXXXX XXXX  XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX - Account NumberXXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX This is not mine. 

XXXX / XXXX - Account NumberXXXX Please Update all payments, all pay was made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22. Have a fraudulent unauthorized inquiry from XXXX XXXX XXXX That I would like remove from my credit report or provide proof within 30days
Product: Credit reporting, credit repair services, or other personal consumer reports

The account says XXXX original creditor with no contact info balance XXXX Lvnv funding LLC now
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reappearance of an old XXXX account on my credit report, which was previously removed after being determined that it did not belong to me. This account was originally reported inaccurately and was removed from my credit history. However, as of last week, I noticed that it has been reinserted without justification.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a previously deleted item is reinserted, the credit reporting agency is required to notify me within XXXX business days and provide the source of the information. Additionally, under FCRA [ 15 U.S.C. 1681s-2 ], furnishers of information must ensure that they report only accurate and complete information. Since this account was previously removed, its sudden reappearance suggests a violation of these provisions. 

Furthermore, I was a victim of the Experian and XXXX data breaches, which compromised my personal information. Given this breach, I am concerned that this unauthorized account is a result of identity theft or erroneous data handling. The Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 provides additional protections for identity theft victims, requiring that fraudulent accounts be blocked from credit reports upon proper dispute.

I am requesting : Immediate reinvestigation and removal of this inaccurate XXXX account from my credit report. 
Written confirmation that this account has been permanently deleted and will not be reinserted without proper verification. 
Details of the furnisher who re-reported this account, including their contact information and verification documents. 
If this matter is not resolved promptly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX timeframe mandated by the FCRA [ 15 U.S.C. 1681i ( a ) ].

Sincerely, XXXX XXXX
Product: Bank account or service

I opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Bank of America and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.
Product: Mortgage

I received a new job and had to move to another state. I put my house up for sale and soon realized that the value of the house did not match what I owed on the house. I have submitted multiple requests to US Bank to do a short sale or deef in leiu. There have been multiple issues trying to do the short sale. First issue it took too long ( close to 6 months ), buyer removed purchase. XXXX issue was US Bank would not send out an appraiser and buyer walked. Third issue US Bank wants full amount on short sale and buyer walked. I 've also asked to do a deed in lieu but have been told that since First legal has occurred deed in lieu is not an option.