23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I picked up a XXXX XXXX from XXXX XXXX in XXXX, Arizona. Before doing so, I called the company to find out how much it would cost. I was told of an upfront charge of {$90.00}, plus an estimated monthly rental of {$34.00} for 13 months. When the 13 months were up I would own the machine. 

A month later I received two EOBs from XXXX/XXXX for the machine. There was a surprise charge of {$330.00} that I was not told about. I called XXXX to find out why. They said they didn't know and to call XXXX XXXX. I called XXXX XXXX XXXX and was told they didn't understand the charge either. However, they assured me that since I was renting the machine, the charges would be spread out over 13 months. 

It was in XX/XX/XXXX that I learned the actual monthly charge was going to be $ XXXX/month, no where near the original {$34.00} estimate. Plus I still didn't know why I was being charged an additional {$330.00} upfront. I returned the machine in XX/XX/XXXX after renting it for about two months. 

Believing I was being overcharged, I called XXXX in XX/XX/XXXX for a review. I made follow up calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It wasn't  until the phone call in XX/XX/XXXX that I learned XXXX had taken no action to review the charges. Meanwhile, I had called XXXX XXXX twice that I was not paying the {$330.00} bill, plus two new bills of {$170.00} until the review was completed. They indicated there was no problem with that. Finally, in early XX/XX/XXXX, I received a letter from XXXX that the review was underway and it would take up to 60 days to complete. I believe a copy of that letter was sent to XXXX XXXX XXXX. 

This week I found that instead of waiting for the review to be completed, XXXX XXXX XXXX sent the bill to a collection agency. I received no warning about this and at no time did XXXX XXXX inform me there was a problem letting the review process run its course. Instead of paying the collection agency, I paid the bills using the XXXX XXXX XXXX online billing system. 

I'm angry that XXXX XXXX never told me it was going to sent the bill to a collection agency and that they did it to bypass the review process and force to me pay the full bill even though I may not owe all of it. I have since learned that using this tactic to collect on a disputed bill may be a violation of federal law. 

I'm asking the Bureau to fully investigate whether any laws or regulations were violated in this matter. 

Finally, I am not complaining about Tri-State Adjustments, the collection agency. I had one phone call with them so far and the representative was polite and respectful. Hopefully, I will have no reason to file a complaint about them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX Balance : {$2200.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$190.00} - Account # : XXXX XXXX  XXXX - Balance : {$530.00} - Account # : XXXX XXXX XXXXXXXX - Balance : {$830.00} - Account # : XXXX XXXX  XXXX - Balance : {$1400.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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  XX/XX/XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item with XXXX, XXXX, and TransUnion on XX/XX/21, and XX/XX/21 and XXXX, XXXX, and TransUnion have incorrectly " CONFIRMED '' this is accurate and XXXX is WRONG. 

Furthermore, XXXX, XXXX, and TransUnion never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means XXXX, XXXX and TransUnion didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! XXXX, XXXX and TransUnion have FAILED.
Product: Checking or savings account

I am receiving mail from Bank of America in XXXX XXXX for accounts that I never opened I also received information about unemployment which I never filed for
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account COMMONWEALTH FINANCIAL SYSTEMS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that COMMONWEALTH FINANCIAL SYSTEMS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. XXXX XXXX XXXX ) Due to? 
Inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I received an email from XXXX claiming I owe a debt that is way too old to collect and isnt mine. XXXX was mentioned in the email which had the debt before. That debt was from an identity theft. It is illegal to pursue a debt that was taken off of a report due to identity theft. I dont communicate with debt collectors via email. I want everything in writing. I forwarded the email I received to the appropriate department for phishing. Do not contact me ever via email or telephone. I want proof of the debt mailed to me.
Product: Money transfer, virtual currency, or money service

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 XXXX financial loss, and I seek appropriate redress for these violations. 
XXXX
Product: Credit card

I had a secured business credit card with Bank of America. I closed the account and am waiting to receive my money back and they are making me wait XXXX days and two billing cycles. The amount that I'm waiting on is {$2000.00} that I deposited to receive the secured card. Is this normal?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to their failure to respond to a dispute letter that I mailed on XX/XX/2023. In my dispute, I addressed several items on my credit report, including XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX and XXXX - XXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Equifax regarding my dispute, and this lack of communication is a clear violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to fulfill their legal obligation to respond within the stipulated timeframe.
Product: Debt collection

The Fair Credit Reporting Act ( FCRA ) also mandates that all information reported must be accurate and reflect the true status of an account. This company has not responded with requested information necessary to validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts 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: Mortgage

Wells Fargo serviced my loan through  XXXX 2015, during which time I was involved in a Chapter   XXXX    Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

An innaccurate account is reporting on my credit file : XXXX  XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card and was so excited about this card and US BANK Has pulled a credit inquiry with XXXX  and I was told I could be approved for credit card if I can verify my identity which I did and being out on hold for hours and talk to 49 different reps and half of them were rude to me and hanging up the supervisor of the account verification dept is refusing to give me my application number for my credit card application and I ask for it several time and I was told they are not allowed to give it out over the phone and he was rude to me and gave me a hard time and said they dont feel comfortable of giving me credit I ask the supervisor why and he told me he wouldnt discuss it with me that I have to wait for a letter to come in .... I explain to him there is nothing wrong with my credit report and I have a good credit rating so I dont know what going on .... I feel discrimination and disgusting and I wont be doing business with us bank ever again The application number is # XXXX
Product: Credit reporting or other personal consumer reports

OnXX/XX/2023, CBNA performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that CBNA had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.
Product: Credit card or prepaid card

A few months ago I requested the BOFA 's credit card department to waive the annual fee for my XX/XX/XXXX credit card due to the difficult situation and uncertainty of the moment. They denied it, and the only option available to get this charge reimbursed according to them was if I decided to close the account. I asked if I could switch or convert this credit card to a different one, and they said that I was able to qualify for the conversion. Recently, less than a week ago I called again and I almost got the same answer but to my surprise, I was able to qualify for the conversion-which technically they close one credit card and open another one- However, they couldn't reimburse the fee because it has had been a long time since my first talked around the subject with them. We are talking about XXXX but wait for a minute. Life has changed dramatically since then? I didn't like the unfair treatment, especially since I have been a customer for over 3 years and I never had missed a payment or been late. On top of that, I explained to them that the main reason for getting this credit card is not there anymore because XXXX XXXX doesn't fly anymore to my country of origin. It did it just for my first year of using the credit card.
Product: Debt collection

I received a letter from Fair Collections & Outsourcing Inc. requesting to pay for an apartment in a state I have never lived in. When I called to tell them this was not me, they told me they would send a fraud packet to confirm it was not me. When I received the packet, it was requesting information like my SSN, phone number, drivers license number, and other personal information. I did not send anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an investigation on a few errors on my report starting XX/XX/2019. The first initial letter asking the credit reporting agency ( Equifax ) to verify some accounts and the status of those accounts. Equifax responded that the items and information that was disputed was indeed verified. On XX/XX/2019 I sent a second letter responding to the letter asking for the method of verification and all parties they communicated with as part of the investigation. On XXXX XXXX they responded again stating these items were verified. They completely ignored the method of verification letter I sent.
Product: Debt collection

I received a call on XX/XX/2017 from XXXX XXXX County from XXXX stating there was some type of warrant against me and for me to call the number XXXX. I called the number and spoke to XXXX XXXX. She claim she was with the district attorneys and asked if I had received notification or served with some papers, I told her no and then asked what it was in regarding, and she said it was from XXXX XXXX XXXX   and that I owed the amount about {$4000.00} when I only took a loan for {$2500.00}. XXXX XXXX asks why I have not made payment on the loan. I told her the amounts were too much for me to pay. She asked me to pay {$420.00} so, they would not proceed to take action against me, she had all of my information as my address and email address, and she repeated to me to verify including my social security number. I put {$420.00} in my XXXX XXXX Debit card, she was able to take the amount the next day, and then she said the remaining balance for the XX/XX/XXXX is {$3000.00} and some dollars. She then said she was going to send me an email ; XXXX XXXX never did. When I asked her about the receipt, she stated that they do not send out receipts and I can check on my bank electronic payments. I made a payment arrangement so, she can take {$500.00}, and she said she can take {$600.00} and some for the next three months and I hung up with her. This did not seem right. I realize afterwards, ( from the FTC board ), collection agencies are not to threaten consumers with lawsuits or imprisonment. The part that really made me think about what happened, when someone from XXXX XXXX County calling me that I have a warrant. I filed a complaint with XXXX regarding XXXX XXXX XXXX and XXXX denied my claim. I had talked to consumer affairs and told I would have to take them to small claims. I request from XXXX, the denial letter, and it looks, as though a third party Called XXXX XXXX was the one who collected the money from my debit XXXX. They tried to contact me because I refused to put more money on my debit card but manage to take {$370.00} from my debit card. The person who called ( XXXX XXXX or someone ) left a message it seems you are trying to deceive us by not making your payment. Which I am not sure if I had erased the message or what. Collection agencies should not threaten consumers and use County
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX {$2100.00} open XXXX, XXXX XXXX XXXX  {$600.00} open XXXX, XXXX XXXX {$570.00} open XXXX, XXXX XXXX  XXXX  {$5400.00} open XXXX, XXXX XXXX XXXX  {$630.00} open XXXX, PA XXXX XXXX {$45000.00} open XXXX, XXXX XXXX XXXX {$46000.00} open XXXX, XXXX  XXXX  {$30000.00} open XXXX, XXXX XXXX {$9400.00} open XXXX, XXXX XXXX XXXX {$87000.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter
Product: Money transfer, virtual currency, or money service

Square doing business as Cash App refuses to do anything to enforce their own nobody under XXXX  can have a cash app account. After finding out our underage XXXX years old daughter has a cash app account, she has opened yet another one using the phone number XXXX. 

We complained about this in XXXX and Square admitted that they had no way of enforcing their XXXX year old and older only policy. Somehow banks and other financial institutions are able to do so ( by requiring a social security number ). Makes me think that Square is deliberately encouraging underage kids to use it. 

When is the CFPB going to take action? Isn't the agency supposed to protect consumers? 

And do you know what kids are using Square and Cash App for? Drugs. We found that the Cash App user ids XXXX XXXX and XXXX are selling XXXX, XXXX  XXXX, XXXX  XXXX, etc. Way to go Square! 

Here 's a list of other user ids : 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  ) How long is Square going to allow this to happen? How long is the CFPB going to let Square allow this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have multiple debt reporting sue to seemingly selling this account but still reporting on my consumers report which is a violation of 15US 1692h. I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge.

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. XXXX XXXX XXXX XXXX.