23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express Prepaid Card was issued to me for {$1000.00} as a reimbursement for flight cancellation. The card represents Prepaid Rewards, ( a ), there is no reward program for use of the card as advertised, ( b ), when I attempted to utilize the card to pay the outstanding balance on my American Express Credit Card ( 30 year card holder ), it was refused. Clearly, for each transaction I charge on the non-reward prepaid card ( advertised as a reward card ), I loose rewards on the credit card which has rewards. Further, where the card is prepaid ( funds on deposit with American Express Bank ), the movement of the funds from one account to another has no risk and no expense. By forcing the use of the prepaid card with merchants there is an expense to the consumer ( me ), with no reward benefit as ascribed to the credit card. Pursuant to the Prepaid Card Rules this is a violation of the rules in both respects. The inter-lata transfer at the same bank from one account to another for a consumer is requisite. It is clear if the prepaid card is drawn on another bank, the non issuing bank does not have the responsibility to accept the funds on the prepaid card for deposit. However, at the same bank movement of funds inter-lata is required. I spoke with American Express and requested escalation to the supervisor and received the same denial. Prepaid Card number XXXX XXXX XXXX - Credit Card Number XXXX XXXX both American Express.
Product: Vehicle loan or lease

On XX/XX/XXXX ; my wife and I purchased a new XXXX XXXX XXXX that was a loaner car from XXXX XXXX in XXXX. We signed all the loan documents and were told we were pre-approved for the car loan through American Credit Acceptance, we gave our {$1000.00} down payment and left with the car. A few days later, we go the hard approval but we needed to give our proof of residency, and do our welcome call. We provided the requested documents and did our welcome call. We then waited for our license plates and registration but they never came. 

We were contacted on or about XX/XX/XXXX and was told our approval was rescinded because my income did n't add up because the dealership failed to get my self employment documents which I then sent over and the approval was reinstated. 

On or about XX/XX/XXXX ; we went in to sign updated paperwork and were told everything was done and that everything was fine. 

On XX/XX/XXXX ; I was contacted by the finance manager that American Credit Acceptance wanted copies of bank statements for an account I no longer have access to. I was told that this would n't be an issue a week ago when I spoke with the regional manager from American Credit Acceptance. 

I am suspecting that I am being asking to provide all this additional invasive information because I am XXXX American and being discriminated against. This has been a nightmare and I have been more than accommodating to both but this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been submitting letters to both creditors and all XXXX bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXX has gone against my consumer rights reporting information that was never given my written consent and I demand every late payment on my report be deleted before I file a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX  and Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am not liable for this debt with FLAGSHIP CREDIT ACCEP plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries, reported into my credit profile. I am requesting for Experian Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, about my identity being stolen. Please reference to the following inquiries listed below.
Product: Mortgage

I was working with XXXX XXXX from Welcome Home finance, I was constantly asked for documentation that he already received from me on more than one occasion! The terms and conditions were constantly changing from week to week and day by day! I was misinformed or not informed about money or items that were needed for closing costs and reserve money! But my final straw was he ran my credit report 2-3 times within a 2 week span that lowered my credit score to null my qualification to get a loan for a house! In total I believe XXXX ran my credit score a total of 5-6 times since the beginning of XXXX, theres absolutely no reason he needed to run my score this much! Since he did so now Im disqualified from up taining a mortgage with him or with any other mortgage company!
Product: Credit card or prepaid card

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX XXXX XXXX  XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to adhere to Metro 2 compliance and for their violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I wish to express my concern regarding Experian 's lack of response to my previous complaint lodged with your organization. 

On XX/XX/23, I submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies in my credit report and Experian 's refusal to rectify the situation. Despite my earnest efforts to address this issue, I received no information or acknowledgement from Experian, a clear violation of their obligation under the FCRA to conduct a reasonable investigation into consumer disputes. In fact they just keep sending me verified emails, which is interesting because I asked them to provide proof showing where I gave them permission to report this information onto my consumer report. They do not investigate or provide any information, they just send me a verified email 3 days letter with no explanations. 

My concern with Experian 's non-compliance with Metro 2 reporting standards arises from numerous inaccuracies in my credit report. Experian has failed to ensure that my credit information is accurate and up-to-date, which has had a direct impact on my financial well-being. These inaccuracies, which include [ specify any specific issues ], are causing undue financial harm and undue stress on my part. 

I kindly request that the CFPB investigate this matter and take appropriate action against Experian for their repeated non-compliance with Metro 2 standards and their disregard for the FCRA. I am seeking a resolution that includes the prompt correction of the inaccuracies in my credit report, as well as punitive actions against Experian for their failure to adhere to legal requirements. 

I appreciate your attention to this matter and request that you provide me with updates on the status of this complaint. My previous experience with the CFPB has left me disappointed, and I hope for a more effective response to my concerns this time. 

Thank you for your prompt attention to this important matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a recent credit report and it states that the my account is pays account as agreed, paid or paying as agreed, or current account/was delinquent 60 days past due date. My account is current with XXXX and that should make my credit report back to being positive in not negative. Everyone is remarking with the above statements but not showing the same thing on the report. This is not giving me an accurate credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act and XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Subject : Formal Dispute of Late Payment Claim Dear To, Whom It May Concern I am writing to formally dispute the late payment claim associated with XXXX, dated XX/XX/XXXX, XXXX This claim is inaccurate, and I am exercising my rights under federal law to address this matter. 
Specifically, I reference the following statutes : 15 U.S.C. 1666 ( Fair Credit Billing Act ), which provides the right to dispute billing errors.

15 U.S.C. 1666B, concerning the timely posting of payments and correction of errors.

15 U.S.C. 1681B, regarding permissible purposes for accessing and reporting credit information.

15 U.S.C. 1681, particularly Sections 602 and 604, emphasizing the importance of accurate and fair credit reporting.

15 U.S.C. 1681A, which defines terms and standards related to credit reporting.

Request for Proof of Alleged Late Payment : I hereby request that you provide verifiable proof of the alleged late payment, including detailed documentation supporting this claim. If you are unable to provide sufficient evidence or the documentation is incomplete, I demand that you : 1. Update my payment history to reflect " Paid as Agreed, Never Late '' ( PAANL ).

2. Correct or remove any inaccurate or unverifiable information reported to credit bureaus.

Request for Procedural Transparency : Additionally, I request a detailed description of all procedures and processes used to ensure the complete accuracy of the information reported. This should include : The sources of the data used.

Methods employed to verify the accuracy of the payment history.

Steps taken to investigate disputes and ensure compliance with applicable laws, including the Fair Credit Reporting Act ( FCRA ).

Conclusion of Investigation and Report : Upon completing your investigation, I request a written summary of your findings and any actions taken to resolve this dispute. Please send all correspondence and updates to my address provided above.

Under the provisions of the Fair Credit Billing Act and the Fair Credit Reporting Act, I expect this matter to be resolved within the legally mandated timeframes. I trust you will handle this dispute in compliance with federal regulations and with the diligence it requires.

If additional information is needed to facilitate your investigation.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I know I always pay on time, but I dont understand why XXXX being reported as late in some months. Under USC 1666b, any billing mistakes must be fixed, and my account updated to reflect on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX several times over the phone and by mail trying to get them to remove an unauthorized account from my consumer report XXXX XXXX ending in # XXXX. I called Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Dates contacted XXXX XX/XX/XXXX, XX/XX/XXXX with no success. I have return receipts to prove that I have also tried contacting XXXX XXXX. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Equifax asking for my consent regarding this alleged account to place it on my consumer report. 
Equifax has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. In addition, my account was part of the Equifax Data Breach and I have filed a claim! I have spent way too much time reaching out to Equifax with no RESULTS! 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Title15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Equifax and me the Consumer REMOVE XXXX XXXX! As I am in the process of seeking legal action. This must stop!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian ) - Inquiries - personal name reported as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
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 process was unfair and deceptive, as they did not comply with errors 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 or other personal consumer reports

i never applied for anything with XXXX XXXX XXXX XXXX and this is fraud to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear XXXX  FTC Report Number : XXXX  Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX - Account Number # XXXX I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities