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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a brand new XXXX XXXX XXXX on XX/XX/XXXX. I spent the year converting the XXXX into a XXXX XXXX to use for XXXX XXXX purposes. The work was completed in XX/XX/XXXX and I launched my XXXX XXXX. 

On XX/XX/XXXX the Mercedes XXXX I purchased broke down on XXXX XXXX and was sent in for recall ( Here are more details on the recall - https : XXXX ) - Mercedes knowingly sold the vehicle to me with this critical part missing. Once returned, the vehicle was damaged and needed to be repaired for a total of {$770.00}. In addition, I XXXX XXXX XXXXXXXX XXXX due to the XXXX being held at the Mercedes dealership awaiting a part to arrive for XXXX months The total amount of lost income is {$5900.00} due to me being forced to cancel her XXXX, XXXX, and XXXX bookings, which caused extreme XXXX XXXX. 

Additionally, I am requesting a credit to her financing account for the XXXX months she paid while the XXXX was in the shop and unable to be used. These payments total {$980.00}. 

I spoke to a representative from Mercedes Benz  XXXX and she agreed to reimburse me for these losses in the total amount and to date, I have not received anything. Copies of spreadsheet for income loss, and repair invoices are attached hereto for your reference. 

Demand is hereby made that Mercedes make payment of XXXX to me for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a letter in XX/XX/2018, asking them to remove incorrect reporting of the account I had with them. The account was added to my Chapter XXXX filing, but it was not of my own doing. I DID NOT add XXXX to my Chapter XXXX. I paid the account off and asked them to close it, BEFORE, I even knew I would have to file for bankruptcy. XXXX has not responded to this request. They have incorrectly reported that the account was included in my bankruptcy. If they do not correct this matter, immediately, I will file notice with the bankruptcy court and file contempt against them.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXXXXXX Balance : {$76.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

New statement balance was {$7100.00}. I rarely use this credit card and so had forgotten that it was set up for automatic monthly payments. The Bank of America website and statement do not show that the account is set up for automatic payment, so I made a manual payment. As a result, TWO payments were made out of my checking account. 

XX/XX/XXXX : Called BofA and requested reimbursement of the {$7100.00} extra payment made. She requested my checking account number and routing number and said I would receive it " within 10 business days ''. 

I called about a week later to confirm the payment was in the system and they reconfirmed and repeated that the process takes " up to 10 business days ''. 

Friday, XX/XX/XXXX ( 10th business day ) : I called that afternoon because it still was not in my account. She re-confirmed the request was in the system and said she could " assure '' me it would be in my account over the week since this was the 10th business day. 

Tuesday, XX/XX/XXXX ( 12th business day ) : I called because I still had not received the payment. She confirmed my prior calls, but said the way the request was put in the system was not for a payment within 10 business days, but " within two billing cycles ''. She put me on hold to confirm with a supervisor she could request an " expedited payment '' and said it was now in the system as such and I would receive it " in XXXX XXXX XXXX XXXX ''. 

Thursday, XX/XX/XXXX ( 14th business days and more than XXXXXXXX XXXX  after last call ) : I told my story, he said he would transfer me to a supervisor, the next person I received was speaking XXXX and was not a supervisor, transferred again. I had to provide the long story again to employee XXXX was reporting to be a supervisor. She explained that my payment was not in the system as an expedited payment, but was still in the system as being paid " in two billing cycles ''. She had no record of an expedited payment being put into the system during my call two days prior. She " assured '' that she now had it in the system and I would receive an " expedited payment '' that would take " XXXX XXXX XXXX XXXX  ''. 

This is over {$7100.00} that I blame Bank of America for taking from me in the first place due to not identifying on the statement website that I am setup for automatic payments. It's now three weeks after requesting my money and I have no confidence at this point that I will actually receive it in the next XXXX XXXX because everything they told me during the first five has been untrue. According to my phone log, I've also wasted XXXX XXXX of time trying to get my money back. At this point, I believe I should be paid penalties, interest, and reimbursements for my time and stress. It has caused me a lot of problems.
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 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX 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: Money transfer, virtual currency, or money service

XXXX XXXX  XXXX : 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 to 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

After reviewing my credit report, I have unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent According to the fair credit Reporting Act 15 U.S.C 1681 ( b ), Permissible purposes of consumer reports. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting act. 


XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

a collection appeared on my credit report from LVNV Funding LLC. I contacted my attorney regarding the issue. He sent them a letter requesting documentation of the debt and received no reply. I have requested information via email and have received no response. 
I reached out to XXXX and disputed the entry which they said the investigated and found it to be valid. I asked what evidence / documentation they received and they advised that they don't do that. Basically they ask the entity that posted the debt if it's correct, they said yes, end of story. 
This has be ongoing for over two years and I can not reach a closure and it's affecting my credit. 
There doesn't seem to be any recourse for the consumer. If LVNV funding can provide documentation of the debt I'll take care of it. If they can not, they need to remove the entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2020 there was an inquiry made by XXXX XXXX on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from Wells Fargo Dealer S that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Payday loan, title loan, or personal loan

I can't pay the loan off and want. a refund anything over XXXX.
Product: Credit reporting or other personal consumer reports

I was made aware a XXXX XXXX account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordingness with the Fair credit act XXXX  account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Discover Bank 's Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against Discover Bank 's for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$4800.00} Account Number : XXXX ; Amount/Value : {$5800.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-offs with balances, causing severe harm to my credit report. 

To address this matter, I provided Discover Bank with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that Discover Bank ; XXXXXXXX XXXX XXXX ; and XXXX Card : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with Discover Bank Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

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

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft.peak acceptance Account number XXXX date open XXXX XXXX, XXXX XXXX account number XXXX, XXXX credit account number XXXX, Missouri Higher education account number XXXX date open XXXXXXXX XXXX XXXXXXXX account XXXX XXXX, Louisiana XXXX XXXX account number XXXX and XXXX XXXX account XXXX XXXX some accounts are more then XXXX XXXX XXXX XXXX also have XXXX inquiries that isnt mine capital on bank XXXX on XXXX XXXX XXXX Louisiana XXXX XXXX XX/XX/2023 and Tower loan XXXX XXXX. 15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding inaccurate information being reported on my credit report concerning the XXXX XXXX XXXX account. Specifically : The charge-off status is inaccurate, as the balance was paid in full by my insurance company, and the account was considered closed. 
Late payments are being reported after the account was resolved, which is incorrect. 
These inaccuracies are negatively impacting my credit standing, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681.

The balance for this account was fully paid by my insurance company on XX/XX/year>, and the account was closed. However, the account is inaccurately reported as charged off, and late payments are being listed after the account was settled. These inaccuracies misrepresent the true status of the account. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies, including XXXX, must maintain reasonable procedures to ensure the accuracy of the information they report. By failing to correct this inaccurate reporting, XXXX has violated these legal requirements, which has caused harm to my credit report and overall financial standing. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute any inaccurate or incomplete information on my credit report, and XXXX is obligated to conduct a thorough reinvestigation of this matter. 

Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA holds XXXX and other responsible parties liable for damages caused by inaccurate reporting, including actual damages, attorneys fees, and costs of action. I request that the CFPB ensure XXXX 's compliance with these regulations and assist in resolving this matter. 

If this matter is not resolved within 30 days, I will explore additional legal remedies to protect my rights under the FCRA, including seeking damages for the harm caused by these inaccuracies. 

Thank you for your attention to this matter. I look forward to your prompt response
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally express my concerns regarding the inadequate data protection and privacy practices of Cash App, which have resulted in the exposure of my personal and financial information. This breach of privacy not only puts my sensitive data at risk but also directly violates consumer protection laws, including the **Consumer Financial Protection Act ( CFPA ) ** and **Electronic Fund Transfer Act ( EFTA ) **.

Despite Cash Apps obligation to implement effective security measures, I recently discovered that my personal data was accessed or exposed without my consent. This failure to safeguard user information constitutes negligence and has left my account vulnerable to potential fraud and financial harm. 

Furthermore, when I attempted to resolve this matter through Cash Apps dispute resolution process, I found it to be unresponsive, inadequate, and deceptive. Your company did not comply with the proper error resolution requirements outlined in **Regulation E**, which govern electronic fund transfers and protect consumers from unauthorized transactions.

These lapses in data protection and customer support have caused me significant distress and financial risk. As a result, I am demanding the following actions : 1. A detailed explanation regarding how my data was compromised.

2. Immediate security measures to prevent further unauthorized access.

3. Proper redress and compensation for any inconvenience and potential damages suffered due to this security failure.

4. Compliance with federal regulations*l to ensure better consumer protection moving forward. 

If this issue is not addressed promptly, I will have no choice but to escalate my complaint.

In addition I am uploading a copy of the billing statement as proof that the company is engage in deceitful practices in hiding the account information yet requesting it to issue relief. 


Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.
Product: Credit reporting or other personal consumer reports

My information was exposed during a data breach and I was offered a settlement of {$14.00} and change via a e-gift card. This happened with Eqifax
Product: Mortgage

I am extremely dissatisfied with Pen Fed Credit Union 's customer service phone line, their loan servicing department, and their website. They sent me a vague letter on XX/XX/XXXX that was dated XXXX XXXX, XXXX. It stated : " We recently processed a change affecting your monthly mortgage payment processed through the drafting program. '' They couldn't have been more vague if they tried. So I called them to find out more details. Their customer service is non-existent. First, they only provide one phone number by which you can reach them, ( XXXX ) XXXX, between the hours of M-F XXXX XXXX   to XXXX XXXX  ET. These are the hours that most people work. I called that phone number today at XXXX XXXX  and sat on hold for 1 hour and 39 minutes. No one answered my call. No message came on to even let me know that they closed. 

Also, the Pen Fed website is very difficult to use. They refuse to provide any loan payment history beyond payments applied over the last two months. 

Because they have no physical locations in my state, I can't even go visit with them in person. If they aren't going to have physical locations that people can vist, then they at least need to offer better customer service.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding my account with XXXX XXXX ( XXXX XXXX  ). I have noticed that I have not received the Form 1099-C, Cancellation of Debt, which I believe I should have received following the write-off of my account.

According to the IRS guidelines, a cancellation of debt of {$600.00} or more must be reported on Form 1099-C. Since my account was charged off, I expected to receive this form as required. However, I have not received it, which raises concerns regarding my tax reporting obligations.

Failure to receive this form creates considerable uncertainty for me regarding how to accurately report my finances for the current tax year. I would appreciate your prompt attention to this matter and request that you provide me with the 1099-C form at your earliest convenience.