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

I am writing to express my deep concern and frustration regarding the persistent inaccuracies on my credit report related to an account. Despite numerous attempts to rectify this matter, I continue to face obstacles in achieving a resolution. I first became aware of the issue when reviewing my credit report. The account in question, which is inaccurately reported as being opened late, has caused substantial damage to my credit score and has negatively impacted my financial standing. Since the initial discovery, I have made several attempts to correct this error through the established dispute resolution process. Despite my best efforts, the corrections have not been reflected accurately on my credit report. The persistence of this error is not only affecting my creditworthiness but is also causing undue stress and inconvenience. I believe it is essential to rectify this matter promptly to prevent any further harm to my financial standing. I kindly request the following actions be taken : A thorough investigation into the inaccuracies related to the late open account on my credit report. Prompt correction of the erroneous information on my credit report. Confirmation of the resolution and an updated credit report reflecting the accurate information. I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to an accurate and fair credit report. Failure to address and rectify this matter in a timely fashion may compel me to take legal action to protect my rights. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$13000.00}.
Product: Payday loan, title loan, or personal loan

I have been with Atlas credit company over 3 years. I always made my payments on time and never fell behind. Now I am facing a hardship situation due to the decline in pay on my job which makes my finances and overall bills hard to pay. I told them that I was trying to consolidate all my bills so that I can do something regarding the balance on the account but XXXX XXXX stated that they didn't take consolidation payments and needed full payment. They have sent people to my house with business cards and have constantly called my job for payment. He stated that he would take me to court and that they would send the police to my job if I didn't pay. XXXX and another customer service rep has said that I would be served on my job and sent a petition letter to my house but no court date was on the letter. XXXX has called a numerous times on his personal phone call as well requesting payment.
Product: Credit reporting

I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 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: Mortgage

loan was with Bank of America the modification was a temporary fix mod was interest only from 2 % to 4.75 % now with deferred balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I went to court and the judge only gave XXXX XXXX XXXX possession only and XXXX   for rents. They placed on my credit report that I owed {$1900.00} which is not correct. The judge only gave them possession only.
Product: Debt collection

I had a credit card debt with XXXX XXXX. The debt was removed from all my credit reports. Now a collection Agency is trying to collect the same debt. LVNV Collection Agency just appeared on my XXXX credit report. With the same debt, that was removed, ( XXXX XXXX ). The debt was removed from my report because it was over seven years old.
Product: Credit card or prepaid card

In XXXX, XXXX my wife and I submitted a claim against Chase Credit Cards in the amount of {$10000.00}. ( {$7300.00} on my Chase Freedom Visa and {$3000.00} on my wife 's Chase British Airways VISA ). We are both senior citizens on fixed income. These 3 charges were all related to a XXXX XXXX XXXX  who fraudulently charged us a total of {$17000.00} on 3 credit cards XXXX XXXX XXXX  XXXX XXXX ( mine ), Chase Freedom Visa ( mine ) and Chase British Airways Visa. ( My wife 's ). They opened 2 credit cards in my name- Chase Freedom, and XXXX XXXX XXXXXXXX XXXX. In XXXX, XXXX, XXXX XXXX XXXX agreed that it was fraud and refunded us {$7300.00}. Chase refused, because they said that the documents were in order and there was " no billing error ''. I spoke to XXXX at Chase Executive Office in XXXX, Ohio that I would be refiling in XXXX of XXXX for fraud at the end of the contract. 

Just today I learned that the company involved, Consumer Law Protection Group of XXXX, MO, and the owner-Manager XXXX XXXX had been indicted on XX/XX/XXXX for 3 counts of bank fraud and 6 counts of money laundering by a Grand Jury, according to the US Attorney 's Officefor the XXXX XXXX XXXX Missouri as a result of {$2.00} XXXX fraudulent PPP loan scam. It also turns out that he and his business partner, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX and XXXX XXXX and their wives, they own XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
Both companies have registered numerous complaints from the XXXX XXXX XXXX  and consumers have been bilked of many thousands of dollars. 
My previous complaints were XXXX and my wife was XXXX.
Product: Money transfer, virtual currency, or money service

We recently bid on a foreclosed property on XXXX and won the auction. Upon completion we received information from XXXX to wire the earnest money to Service Link Title company. We did so on XX/XX/2021. A few days later we received notification the the title company handling the closing had changed to XXXX. This company sent us a different Title company ( vender ) to wire the earnest money to. XXXX sent an email stating that Service Link would be rejecting our wire transfer over a week and a half ago. I contacted Service Link on Thursday XX/XX/XXXX and they stated the funds were sent and would take a couple of days to process. They have been in possession of our funds for a month and have made no attempt to return them. We are past due for sending the earnest money to the corrected title company and Service Link is holding up the closing process for our new home. XXXX has all of the details regarding this transaction.
Product: Money transfer, virtual currency, or money service

I have uploaded screen shots photos tried going to banks and speaking with them call support and got no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion XXXX and XXXX investigate these two accounts ( XXXX XXXX  XXXX and XXXX and verify the inconsistent information that is reporting on these accounts across all three bureaus. To date I have not received the requested copies of the investigations nor have the accounts been deleted from my reports. I have enclosed her a copy of the report highlighting the inconsistencies and also a tracking number for the letter I sent requesting that these erroneous items be deleted. I am aware of consumer reporting law and I have copied the section below that applies for reference. This is a violation of my rights. 

Also here are the tracking number for the letters that have been sent to date XXXX XXXX A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

I requested that Transunion XXXX and XXXX investigate these two accounts ( XXXX XXXXXXXX XXXX and XXXX and verify the inconsistent information that is reporting on these accounts across all three bureaus. To date I have not received the requested copies of the investigations nor have the accounts been deleted from my reports. I have enclosed her a copy of the report highlighting the inconsistencies and also a tracking number for the letter I sent requesting that these erroneous items be deleted.
Product: Student loan

on XX/XX/year>, I contacted Mohela because I noticed for the payment on XX/XX/year> the interest charged was doubled compared to prior months. They said the interest was accrued for XXXX because of forbearance. To my surprise, I never requested forbearance and I have always been on auto debit. They said because they were changing their platform in that period they did not draw payment from my account. I explained multiple times that it was Mohela 's fault if they forgot or failed in any way to withdraw the payment. Why should I pay for their mistake and bad accounting practice. I requested the payment to be properly adjusted and they refused. Surely, there are many other borrowers in the same situation, but failing to recognize they have been punished and charged double interest for Mohela 's dishonest accounting and lack of professionalism. It is easy to fix the overcharged interest but they refuse.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the accuracy of late payment entries reported by XXXX XXXX XXXX on my credit report, as permitted under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of late payments for a duration of 21 months. 

The details of the account in question are as follows : - **Creditor Name** : XXXX XXXX XXXXXXXX XXXX XXXXAccount Number** : XXXX - **Disputed Late Payment Dates** : XX/XX/XXXX - XX/XX/XXXX I believe these late payment entries are inaccurate due to timely payments made, payment arrangements. Under the FCRA, consumers have the right to dispute information that is inaccurate or incomplete, and I am exercising that right. 

I have attached supporting documentation that substantiates my claim, including relevant documents, such as payment records, correspondence with XXXX XXXX XXXX. 

I kindly request that you conduct a thorough investigation into this matter and remove the inaccurate late payment entries from my credit report. Additionally, I would appreciate receiving a copy of my updated credit report once the investigation is complete. 

To assist in processing my request, my personal details are as follows : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX - Current Address : XXXX XXXX  XXXX XXXX. 

If you require any additional information to facilitate this investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response regarding the investigation of my dispute. 

Sincerely, XXXX
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 reporting or other personal consumer reports

I reported to XXXX that there was accounts that are not mine and they didnt help me. Please know that the XXXX XXXX, XXXX XXXX, Avant and XXXX XXXX  credit cards are not mine. I know CFPB is suing Experian for XXXX XXXX due to credit report errors and I feel like no one has helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Transunion, The companies below have many inaccuracies on my Transunion credit report : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter I am looking to have these credit accounts removed from my Transunion credit report for many blatant inaccuracies they refuse to fix.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Date Updated XX/XX/2022 High Balance {$630.00} Original Creditor XXXX XXXX  Past Due {$630.00} Pay Status >Collection in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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: Checking or savings account

We have been attempting to withdraw {$91.00} to close our XXXX account with M1 Finance LLC ( " M1 '' ) and have been unable to do so as M1 has been refusing and therefore holding what is left of our funds, hostage. The primary method to withdraw funds is through the linked bank account connection. We have been unable to use this method as the current linked bank account has been closed. In order to update the linked bank account connection, M1 has changed to using XXXXXXXX XXXX XXXX third party company with proven questionable privacy history ( XXXX XXXX. XXXX XXXX. XXXX, XXXX ), to facilitate ACH ( Automated Clearing House ) transactions. We never agreed to use XXXX  and never received any notification for this functionality change. During the process of replacing the existing linked bank account connection, XXXX prompts for username and password for our bank login credentials. This is a severe breach of banking security to provide a third party access to one 's bank account. XXXX  provides an option for " Link with account numbers '' but after entering the new bank account 's routing number, it prompts for bank login and password credentials. We have attempted this with two different bank routing numbers and are both presented with prompts for our bank 's credentials. We attempted to transfer our account ( XXXX  ) to another institution on XX/XX/XXXX, and it was denied. We then contacted support on XX/XX/XXXX, and after several days of messages back and forth with a XXXX XXXX XXXX and even providing bank account statement for proof of ownership of the new bank account to link, request for manual linking of new bank account was refused, despite M1 having the ability to do so. During this time of M1 dragging their feet, they were able to deduct another {$3.00} for the Platform fee. Request to issue a check of remaining account balance was refused. M1 allegedly provides wire transfer as alternate method for transferring funds out of invest accounts ( XXXX XXXX XXXXXXXX ) but provides no mechanism for account holders to do so without contacting M1 and requesting it. We requested wire transfer out ( considering one of the documents we provided has wire transfer information ), but it too was refused. M1 now claims " Since wire transfers and issuing checks are not available, the only option to get the funds is to connect to a bank. '' Consequently, forcing us to use XXXX to do so when we never agreed to use XXXX  for continued use with M1. In sum, M1 is holding what is left of our funds of {$88.00} hostage and not allowing us to obtain these funds in order to close out our account. They have refused all alternate methods of funds withdrawals only to force us to use XXXX  and breach bank security policies.
Product: Vehicle loan or lease

I was pre approved for a XXXX XXXX XXXX XXXXXXXX Location : XXXX XXXX XXXX XXXXXXXX XXXX XXXX I spoke to sales rep- XXXX and he told me I can get my pre approved deal no money down at all I told them my XXXX XXXX XXXX XXXX they told me I have to put money down and I said no I dont this is a consumer credit transaction then he went and got the manager and he came and told me they gon na do a soft pull They ran my social credit more then twice with XXXX XXXX and Stellants and I dont know where else and then they told me Im denied in less then XXXX mins No approval unless I put money down or have a co-signer so they sent a co- application thru email and I put all my brothers information XXXX XXXX except my brothers social but they kept insisting I send my brothers social unsecured in email and I refused I asked for my truth and lending contract and they could not produce the contract so they took adverse action against me and gave me no knowledge.my social was used and I received no benefit I requested I call the bank underwriter to see why I was denied I did and the XXXX XXXX  and XXXX XXXX  said they wanted to speak to the dealership to negotiate a agreement to see if it can be reversed to a approval based on consumer law not personal opinionated factors of the banks and dealership underwriting policy I told them they are knowing and willingly violating TILA and FCRA and a number of consumer rights 12 CFR 1002 ( b ) 15 USC 1692 15 USC 1642 15 USC 1681 ( M ) 15 USC 1611 15 USC 1691 15 USC 1662 ( b ) 15 USC 6803 I left the dealership and they said they closed kick me out in mid deal and ever since then they keep telling me false and misleading information currently they wont return my calls every time they lied and said they would call me back is on the record line also more of the confusing information and discouraging and discriminatory actions against me for no reason all consumer customers are supposed to be treated fair and Equally
Product: Credit reporting or other personal consumer reports

I Have reviewed my credit Report and found some inquires that I did not recognize 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  Equifax. 
XXXX, XX/XX/XXXX, Equifax. 
XXXX, XX/XX/XXXX, EQUIFAX. 
XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX