23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

i noticed my creit score dropped by XXXX points and i called XXXX and said that i had XXXX hard inquires on my account. I did not authroize4 these transaction. and i would like them removed
Product: Money transfer, virtual currency, or money service

Imposters posing as XXXX XXXX ( XXXX XXXX ) defrauded me of {$150000.00}. My hard earned money was converted into bitcoins that were transferred from Blockchain.com to a fake website called XXXX. Blockchain.com team says that I was in control of the wallet and that they reported the issue to their security team. 
I can provide details of all transactions and even filed complaints with XXXX, XXXX, local police and Secretary of State of GA. Please help.
Product: Checking or savings account

Navy Federal Credit Union has been charging an over draft fee and this has been a hardship on my family.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXXXXXX XXXX XXXXXXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

On XX/XX/year> I went to the XXXX XXXX at XXXX XXXX in XXXX XXXX at the advice of my doctor through XXXX. The XXXX was showed photographs of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeing the Dr. XXXX XXXX at the XXXX  I told her what the XXXX said. She examined me visually and DID NOT XXXX  the XXXX  which limited her knowledge of the severity. She responded that there was nothing to XXXX. She prescribed XXXX  and sent me home. She did not heed the XXXX 's recommendations. I paid my {$500.00} deductible and drove to the pharmacy to fulfill my prescription. 

XXXX days later, the golfball sized XXXX  grew to the size of a grapefruit. This was extremely painful and the XXXX  were obviously not working. I called a friend who is a nurse and she advised me to go to a different XXXX  for treatment. I followed her advice and was treated successfully at XXXX XXXX XXXX XXXX. Dr. XXXX, said that the XXXX  didn't work because of the severity of the XXXX. He XXXX XXXX XXXX XXXX XXXX exactly like the XXXX said to do. At this point the pain was so intense that I was prescribed XXXX  to tolerate the pain, along with more XXXX. 

I also had to request a family member to drive up from XXXX XXXX to take care of me, because I was incapable of caring for myself, due to the location of the XXXX. Luckily for me, my brother was available at the time. 

I paid all my medical bills from XXXX XXXX XXXX XXXX, but do not fill inclined to pay a doctor that UNDER TREATED me and did not listen to my needs and the recommendation from the XXXX. 

The amount I owed after insurance paid was only {$85.00}. I sent a letter disputing the amount explaining that I was under treated. They still say I owe. Now there is interest attached, and the payment they are requesting through a collection agency is {$94.00}. 

This is a matter of principle and under treatment. I was absent for the entire month of XXXX due to the lengthy recovery period, had to visit XXXX hospitals and incurred more debt because the XXXX XXXX doctor did not perform the correct procedures to ensure my well being.
Product: Vehicle loan or lease

Company violated my consumer rights under 15 U.S. 1601
Product: Mortgage

Ocwen Loan Services h as deducted numerous egregious charges from the escrow account without any burden of proof that a real expense occurred. Items such as property inspection fees etc. I have requested Ocwen numerous times to show me that an actual expense occurred and to provide the pictures of the said home inspection or a receipt of an invoice that was submitted from the inspector. They keep sending me the mortgage statements that show deductions but do not provide the proof of expense. The law firm handling the foreclosure case did have the case on hold but now have opted to proceed to foreclosure without resolving this issue. The law firm has also tacked on multiple duplicated fees that have increased the rear amounts owed to an unfeasible amount of money. Ocwen continues to play musical chairs with assigning a different relationsh ip manager every few weeks. Each time the new manager seems to not know what has happened to date?? This certainly delays  any resolution to the issue while they feel free to continue into foreclosure. The problem with Owen started when they refused to explain the charges and I put the mortgage into escrow and did notify them of such. Ocwen has never asked to see the escrow account info or to release the funds or ever resolved the issue or granted my requests for proof of expenses. IN fact all they did was raise the mortgage to satisfy their charges.  Ocwen  also sent a reply to my request to explain the charges to the escrow account stating that my name does not match any of their records??????
Product: Credit card or prepaid card

The card advertises a debit feature but Incomm doesn't allow users to actually pay with a pin and forces the credit option to exctract more fees from merchants. In addition some merchants will only accept giftcards with a pin to prevent fraud for larger transactions.
Product: Credit card

My social security number was used to open several accounts. 
I filed a police fraud. Report and all the papers from. The credit Card company 's. This company removed it from my credit reports Then put it back and started billing and calling me again. I. Have Never used this card or made payments on it. I told them. 
The person responsible for the card and it did n't make a Difference.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> a collection from XXXX XXXX XXXX  appeared on my credit. The collection is attached to an address of XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there and this collection is not mine also alongside there were several inquiries to my credit which are listed in this FTC, which I have attached to this Complaint, I have numerous issues with this in the past Ive been victim of identity theft, and these things happen with this particular credit bureau. The amount is only {$75.00} but it does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$4100.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$240000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports.

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : 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 XXXXXX/XX/year>
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 CARD, 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 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: Bank account or service

On XX/XX/2017 a check was written from my Business Checking account, unbeknownst to me. The check was a part of the starter checks. It was signed by a person who I do not know but that person just signed his name on the check - completely different from my signature. The check was allowed to be processed and funds were debited from my account, in the amount of {$900.00}. I filed a claim with Chase and, after about 2 months of investigation, they denied my claim stating that I failed to take proper care of my checks. I explained to them that the checks are kept in a locked drawer and that I am not sure how this person got a hold of it. What about the fact, that the signature does not match my signature? According to Chase, that does not mean much since, in their opinion, I did not take care of the check. I also explained to them that I did not file a police complaint for stolen check since I expected Chase to take care of it. I talked to their Senior Claims representative on a couple of different occasions but they came back with the same conclusion. My Banking contact at the branch office talked to Chase Claims Department and he was appalled to here what they had to say. He feels that this was a clear case that Chase should have ruled in my favor and pursued the person who wrote the check. Please note that I have recently moved, hence the address on this complaint is different from the address on Chase 's letter. 
The fundamental issue here is - the signature card has no significance. Banks do not check for your signature on checks and they take no responsibility if the signatures do not match. I am not sure that all customers are aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with equifax in XXXX and XXXX, to no avail has any of my information been corrected. My credit file has actually almost completely disappeared, I 've went from 56 trade lines down to 5 trade lines which has hurt my credit standing, caused me to get higher interest rates and/or denied credit. 
I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/XXXX but, I am unable to check to see the results of this dispute due to there system not recognizing me because of the inaccurate information they have. Equifax is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. 

Equifax are states they used NexisLexis to validate two public records, A Bankruptcy, and a Tax Lien which reports on my credit report inaccurately, but when I contact XXXX XXXX am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Equifax is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$470.00} Last reported XX/XX/2018 Equifax XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request to Review and Correct Reporting under FCRA Section 623, Truth in Lending Act, and IRS 1099-C Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations regarding the cancellation of debt.

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance.

According to IRS Publication 1099-C, creditors are required to file Form 1099-C with the IRS when they cancel a debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form 1099-C to both the IRS and myself, indicating that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : 1. Review, verify and delete the current reporting status of this account on my credit report.

2. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines.

3. Issue Form 1099-C if applicable, or correct any inaccurate information reported to credit bureaus.

4. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy.

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS.

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial Services are reporting lates on my account in XXXX and XXXX. I should not have any lates. I have been making my payments on time EVERY month and I don't understand why they are reporting inaccurately. These lates are erroneous and need to be removed off my credit.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that the CFPB has an active lawsuit against Experian for conducting sham investigations and illegally conducting business. 

I have been negatively impacted by these poor /illegal business practices which are conducted by Experian. 

Which has drastically affected my life in a negative way. These poor business practices have hurt my chances of having accurate credit scores after receiving responses to my earlier disputes that the accounts were verified. 

My family and I have been denied credit on numerous times as well as housing due to these poor investigations that allegedly resolved as verified. 

Quickly resolve this issue by delete these files immediately.
Product: Checking or savings account

I paid a chef to cook for XXXX and she basically never came and I have yet to receive a refund from her. The amount was ( XXXX ) {$250.00} transactions with square totaling to {$500.00}. I disputed the transaction once she stop responding to my request for a refund on XX/XX/23. On XX/XX/23, chase denied it stating it was valid although I sent supporting documents showing the person apologized and offer me a refund that didnt happen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in XXXX XXXX  forced performance on a loan which I wished to rescind the contract within 24 hours due to un disclosed damage to the frame of the car. XXXX XXXX XXXX has a business relationship that is more personal instead of professional with XXXX XXXX XXXX They took my information from the car dealership and refused to let me return the car. 

I fell into a hardship and they harassed me every single day, email after email, call after call. I have asked them to remove the alleged debt from my credit report, as they have sold the debt and has a debt collection agency call me. I told them all to quit calling me but they refuse. It seems to me there are definitely fraudulent dealings with this financial company. They refuse to honor any laws surrounding consumers rights and force under coercion and duress to sign papers and refuse to allow any review of the actual documents. 

I wrote them certified with a formal request for documentation and they now call me several times a day with automated calls. 

That is illegal and against the law! The Attorney Generals office needs investigate this predatory loan entity operating in several states!!! 

I would like my demand for the original loan documents and ANY/ALL of the paperwork they have with my wet signature. 

Thank you
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit report as they were opened without my authorization : Accounts to be blocked and deleted : 1. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of Education/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Inquiries to be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX