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

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I called in to Transunion and spoke with a supervisor, XXXX, on XX/XX/XXXX. He confirmed that they had received my complaint/dispute and all of the documents through CFPB, but said he would have to submit the dispute again because of something about it not meeting their " fraud block criteria ''. When I asked him what those criteria were, he informed me that he couldn't tell me that information. He said he can resubmit the dispute for me again, took my information, and then said it should update ( and be deleted ) in about 1-2 business days. I then called again on XX/XX/XXXX and spoke with another representative who said that the dispute has been filed again and inquiries/info sent to the credit card companies as of yesterday, and that there is no timeline for when it will be updated. So Transunion is telling me different messages and refusing to delete the unauthorized inquiries immediately.
Product: Debt collection

Collection law firm based in XXXX XXXX, with satellite office in XXXX, XXXX reneged in satisfaction letter of past credit card debt dated XX/XX/22 printed on letterhead from XXXX XXXX office. ( Garnishment order carried out by XXXX, XXXX XXXXffice. )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

Cawley and Bergmann have sent me letters claiming I owe a debt but Ive asked them numerous times to verify that I owe them this so called debt.
Product: Student loan

Im not able to reach the Mohela regarding the Public Service Loan Forgiveness program. Im only getting a busy signal or message saying the call can not be taken due to high call volume. The online PSLF form status does not show a record of my application.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account number : XXXX
Product: Credit card or prepaid card

I had XXXX charges made on XX/XX/XXXX while traveling, using my Citi card. Citi considered these potentially fraudulent and flagged them. I did not realize until finishing my trip that they did so. They issued credits for the charges of {$29.00}, {$29.00}, {$31.00}. 

To then access my XXXX  app, I had to re-pay the charges on XX/XX/XXXX since the original transactions hadnt gone through and XXXX restricted my access for incomplete payments/transactions. 

Citi subsequently reversed the credits after finding they were valid charges made on XX/XX/XXXX. So, I have effectively paid twice, XX/XX/XXXX and XX/XX/XXXX. I have opened a dispute multiple times with Citi about this. They keep finding against me despite now paying twice for the charges. Their customer service reps seemingly understand these identical amounts are being charged twicebut never find in my favor.
Product: Checking or savings account

Someone stole my identity and opened up a checking and savings account with USAA. I called when I originally noticed ( a day after opened ). The verification question was my parents birthdays. I gave the correct ones and usaa said that is not correct. They said i can not do anything or be transferred without being confirmed its me. I described situation and offered to send any forms to prove it was me including social security card, federal and state ids or anything else. They didnt want anything bc I didnt know the security question the scammer created. I said can you at least pause the account to prevent any additional fraudulent activity or close it temporarily. They said no. I have no way to close this fraudulent account. I called them XXXX  times now. I am so frustrated and just want the account closed because its not me. They can not and will not do anything to move this along. I have recording of usaa person saying everything stated above.
Product: Credit card or prepaid card

I owe a bala

nce on my Lowes credit card. The Lowes website wont let me pay this balance ahead of time. The credit card is managed by Synchrony bank. A bank should not stop a consumer from paying a balance even though it has not billed. I think this is their way to gain interest and fees. As long as I have balance I should be able to pay it.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not receive my bi-weekly direct deposit from Capital One on my regular pay day, which is Thursday. This has impacted my ability to pay my bills and have now incurred late fees. In an email, they said this would be resolved by Friday morning on XX/XX/year>. It is now well into the afternoon, and I have still not received my direct deposit. This is unacceptable.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 card

On XXXX/XXXX/XXXX I charged {$500.00} to my carecredit card to have vet work done for my mom 's cat. We took advantage of a 12 month promotion. Pay if off in 12 months and we would n't be charged interest. We budgeted $ XXXX/month for the payments, with the belief that it would be paid off within 11 months. Due to some cat rescue work, I did have to make some additional charges on the card ; however, I kept paying $ XXXX/month with the belief that it would be applied to the oldest charge first, which I believe is part of the new regulations. However, on XXXX/XXXX/XXXX when I was paying my bills, imagine my surprise that the balance showed over {$100.00} on the promotional balance. I called on XXXX/XXXX/XXXX and discovered that for XX/XX/XXXX - XX/XX/XXXX ( as well as possibly earlier ) my payments were only partially applied to the promotional balance. She credited over {$20.00} from each payment ; however, that left me with a {$5.00} balance on the promotional payment. I have paid that as of today and hope to see it cleared tomorrow. However, this does not excuse the fact that Synchrony Bank/Care Credit applied my payments willy-nilly so they would be able to charge the full years ' worth of interest on the entire {$500.00}.
Product: Debt collection

Saw my pay check and it had a garnishment of XXXX from XXXX XXXX XXXX XXXX. I email them to stop garnishing my pay check during covid 19 pandemic. They refuse. I cant pay rent. They never contact me or anything. They are taking money from me during a pandemic this is an outrage. Case XXXX I dont even know what this is for.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing real estate and upon pulling my XXXX credit reports, I discovered several discrepancies pertaining to the following accounts : 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 On XX/XX/year> I sent written and formal disputes to all three credit bureaus to have each account validated in accordance with 15 U.S. Code 1692g - Validation of debts. They have all three reported back and " after completing a " thorough '' investigation '' your account has been updated and correct. '' An investigation was not completed because the inaccuracies are still listed on my credit reports. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I have attached documents to show my attempt to validate these records and showing the inaccuracies in my reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off for 2 accounts XXXX of XXXX, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As law 15 USC 1681b states credit agencies must have written instructions from myself giving permission to allow reports to go on my report, therefore was not permitted by me, I ask that this company verify and written permission stating of my permission. As law 18 USC 1028A XXXXXXXX XXXX and any other report has used my personal information without lawful authorization.
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 to these violations.
Product: Credit reporting or other personal consumer reports

These inquires are not authorized or related tk any transaction by me : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the law 15 U.S 1681b these need to be removed.
Product: Credit card

I would like to file a complaint on Old Navy Navyist Rewards Card services ( BarclaysUS ) On XX/XX/year>, I made an online purchase from Old Navy, total amount was {$100.00}. I registered for paperless statements. 
Since I was aware of the balance of my purchase, in XXXX, XXXX I mailed in a check of {$100.00} to pay off the balance. 
I have not heard anything from Barclays since then so I assumed the balance had been cleared off, until XX/XX/XXXX XXXX I received an email from them notifying me that I have a balance of {$370.00} with them. I called in Barclays customer service to find out about it. I am advised I am having that much amounts of balance because late fees has been accumulated since XX/XX/year>. They've charged me {$41.00} for late fee monthly {$100.00} + {$30.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$41.00} ( XXXX late fee ) + {$32.00} interest ( XXXX ). Total amount of balance is {$370.00}. I asked for forgiveness on those late fees because they have not send me any notification on the balance, late fees and interests since XXXX at all. The representative ( her name is XXXX - XXXX ) can only waived off 3 months of late fees ( {$41.00} * XXXX = {$120.00} ), brought the balance down to {$240.00}. 

XXXX. They are charging {$41.00} for a month late fee, the charge is too much XXXX. They should have sent out notification to me on the balance I would like to request forgiveness on late fees in XXXX, XXXX, XXXX, XXXX, XXXX. I will be able to cover XXXX late fee {$30.00} I am aware that the interest fee will not be forgiven {$32.00} So my balance would be {$100.00} + {$30.00} ( XXXX late fee ) + {$32.00} ( interest fee ) = {$160.00} Please take this case into your consideration. I would have taken care of the balance if I was aware of, I would not ignore the bill and I would not have waited that long to be stuck in this aging balance. I have tried my best to keep good credit score even though I have been struggling financially Thank you
Product: Debt collection

Could not verify my debt, did not recognize amounts, would not provide address or information to verify if they were legitimate, left voice message threatening to come to my residence or place of employment, acted very suspiciously and made notion of it being pre-trial remediation
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOV ASSOC obtain my credit report without permission to access file on dates XXXX, I have not given company permission to access my credit profile and you have no permissible purpose by law. 
PORTFOLIO RECOV ASSOC in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
PLEASE SEE ATTACHMENTS :
Product: Money transfer, virtual currency, or money service

I used Zelle numerous times and reported discrepancies. My financial institution and Zelle Failed to investigate my claims adequately. They informed me that tracking was impossible and recovering fees was not feasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$52000.00}
Product: Checking or savings account

I completed fully funding a new savings account @ MARCUS by Goldman Sachs with " new '' funds in the amount of {$15000.00} on XX/XX/2021 ( attached ) after completing the required interbank funding procedure debits and credits and test deposit. 
On XX/XX/2021 I received a marketing offer ( attached ) for a {$100.00} Savings Bonus effective from XX/XX/2021 through XX/XX/2021 that I was unaware of when I opened the described new savings account. 
Upon receiving this promotion offer on XX/XX/2021, 11 days after its effective date and within the time interval specified by the offer requiring only a {$10000.00} funding to be deposited and remain for 90 days I contacted XXXX and escalated my request to be credited the {$100.00} to a supervisory employee XXXX XXXX who initially resisted my request but then agreed to submit a formal request for further review.
Product: Credit reporting or other personal consumer reports

I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus Transunion XXXX and XXXX advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.