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

I sent a letter on XX/XX/2024, asking for my address to be update so i can remove other address from my credit report that is no longer associated with myself. I emailed XXXX XXXX and he responded that everything was ok and he updated my address. This morning on XX/XX/2024, i get an alert from my credit report saying i added a new address and it was not correct it was XXXX XXXX address. I emailed XXXX XXXX again and he said he updated it again. I also called in to express my issue and they said that they updated and it would take about 30 days which is unacceptable. I have a fraud alert on my credit report and this is causing me so much stress. There is a lot of fraud going on and this ran me through the roof. I also asked them for their mistake to waive the 30 day late reporting off of my credit report and still no response. This was an easy fix and now i am stressed out because i have to contact my credit bureaus to fix the problem and wait 30 days for their mistake i want something resolved about this before i take further action. This is not ok due there is a lot of fraud going on so XXXX XXXX can just update my information he needs to be removed from the company because its causing me a lot of stress trying to fix his mistake.
Product: Credit card or prepaid card

Reference : Capital One Mastercard # xxxx, closed by consumer last year, due to the preference for a different rewards card. I had made a deposit for a cruise on XX/XX/XXXX of {$600.00} to XXXX XXXX on this account back when the account was open. The cruise was cancelled on XX/XX/XXXX, by the cruise line due to Covid-19, and I chose the option of receiving a full refund with the cruise line, which would be paid in 60 days. The service, a cancelled cruise by the cruise line, was never provided, and they never refunded my deposit or balance paid on another card, XXXX. I then sought reimbursement from Capital One, initial {$600.00}, and XXXX which the balance was purchased on. XXXX credited our account immediately but Capital One will not send the paperwork to file the dispute. 

I spoke with a representative named " XXXX '' on XX/XX/XXXX, at XXXX. XXXX stated Capital One will send a packet immediately, in order to provide the details of this dispute. After a week, I called back and explained I haven't received the packet, and they asked that I wait 2 weeks. I just called today XX/XX/XXXX, spoke with XXXX, and was told it would be 30 days before I would see this packet to file a dispute. I fear this particular company is employing a stall tactic. 

Background on the cruise line not crediting my account : On XX/XX/XXXX, XXXX stated Your Refund Reference Number for this request is xxxxxxxxx. Your refund will be processed within 60 days. I have reached out to XXXX and the travel agent, XXXX XXXX XXXX but with no success. I then contacted Capital One for the {$600.00} placed on this card. Per card conditions, since the services were never provided, the credit card should be crediting my closed account for {$600.00}. 

I am asking that Capital One credit my account for {$600.00} and subsequently send a check given that I closed the account last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Transunion is violating my right to privacy without my consent. The nonaffiliated 3rd party companies identified in this report along with TransUnion DO NOT AND NEVER HAD MY CONSENT TO use and share my nonpublic personal information. Im aware that this not only a violation of the Fair Credit Reporting Act but also constitutes as a violation to the Privacy of Consumer Financial Information Rule ( Financial Privacy Rule ). Their unfair, deceptive acts are harming me a consumer along with causing me financial hardship and complications while trying to operate in commerce! Ive made the Federal Trade Commission aware of their illegal actions * see attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were enrolled in paperless billing and never received an alert or email in reference to a minor fee or charge. I discovered the issue through a credit report. I have several screenshots that indicate they were not able to send bills to my email address ( same address for over 10 years ). I promptly made the payment after discovering the issue. They lower my credit limits in the month of XXXX due to low activity. They have since closed both accounts and I have received to reasoning. They reported an adverse report to the credit bureaus. I have been a loyal customer in great standing with them for a long period of time. I want real answers from an employee that can make changes. I have contacted them several times and some each time my connections are lost during transfers. The last incident was on XX/XX/2019. The manager ( XXXX ) failed to connect me to the appropriate Transunion employee. I have made a visit to the local service branch and filed a " commit '' case with their compliance officer. I have not received any real information in writing or through email. I am left with no other option than to file a complaint and possibly a lawsuit to get this issue resolved correctly.
Product: Debt collection

On or about XX/XX/XXXX I received a debt notice from Phoenix Financial Svcs, stating I owed {$93.00}. It did not list why or for who this money was owed. This was the first contact in regards to this. I selected " I want to dispute the debt '' and " Other '' and described in a written note that they did not include who I owed money for and why I owed this money. I also checked " I want you to send me the name and address of the original creditor ''. I mailed this form and letter to the debt collection company on XX/XX/XXXX. I did not hear back. 
On XX/XX/XXXX I received notice from a credit monitoring company that a negative remark was placed on my credit history. I researched why and found that Phoenix Financial placed a negative report on my credit history affecting my credit score in reference to the {$93.00}. Also on XX/XX/XXXX, I began a dispute process with the credit reporting company who stated they would notify Phoenix of my dispute. 
On XX/XX/XXXX - I received a letter from Phoenix stating this letter was in response to my dispute filed and stated the bill was for a company called XXXX XXXX XXXX XXXX  '' for a date of service of XX/XX/XXXX. On additional pages it appeared to be a letter from a company named " XXXX XXXX XXXX '' with my information, insurance carrier, a diagnosis code, and XXXX codes. 
I called the phone number provided by Phoenix for additional information as I was still not familiar with either company name and doing business with them in XXXX. I spoke with two people, both were rude and arrogant. One was allegedly a supervisor. 
I stated I was calling with a complaint and also that I needed more information to proceed to pay money I owed. I stated the complaint was with their practice of putting a negative remark on my credit history after I requested additional information using the form on the notice they sent me and that they never responded. She had no answer other than I should have paid my debt. I said this leads to why I called for more information and that they still did not explain to me why I owed money and to who as I did not know this name. The lady stated it was for an ambulance I took from XXXX XXXX XXXX. I assured her I never took an ambulance with the name XXXX XXXX XXXX on the side and was not even familiar with a company by that name. 
The supervisor was rude, arrogant, threatening, and unprofessional in her dealings with me. She refused to explain why they would not respond to my request for additional information and why they placed a negative report with on my credit affecting my score. 
She hung up without helping me. 

I did research and found that " XXXX XXXX XXXX '' is now the owner of a company called " XXXX XXXX '' who runs an ambulance company named " XXXX ''. So the original creditor information was never provided to me by Phoenix as requested and required.

I am disgusted with the business practices of Phoenix and how they affect my history without a care or repercussion to them. PLEASE HELP.
Product: Mortgage

I went through court ordered mediation in XX/XX/2013 with PennyMac. They approved the refinance but illegally added over {$6000.00} dollars in legal fees and sold off my account to XXXX. This has increased my monthly payments and the low finance rate they promised. This has affected the total amount owed and made my debt to income rate artificially higher. I want to request that a qualified written request be done immediately.
Product: Debt collection

I do not have a contract with this company. I have attached a letter to this complaint requesting validation. I do not recognize this account.
Product: Checking or savings account

I tried to open online a joint account with my Mom at First Tech CU in XX/XX/XXXX. We were denied membership, I assume, because one of the security questions was not answered correctly. Now in XX/XX/XXXX, I have discovered that First Tech retrieved about {$110.00} from my mother 's hometown credit union to fund the account that was never opened. This information was discovered only because my mother decided to close her hometown credit union account and noticed a withdrawal to First Tech. I called First Tech and talked to a representative who told me initially that First Tech mailed a cashier 's check to my mother refunding her for the debited amount in XXXX XXXX. When I inquired whether the check had been cashed, I was put on hold for a long time. When the rep returned she informed me that she was mistaken about the cashier 's check and that the money had been in a " holding account '' since XXXX XXXX. She also said a supervisor would call me to explain what happened. I have called the company three times to get this information. The supervisor left a voice mail after my first call but has not bothered to reach out to me since then. There is no telling how long First Tech would have held on to my mother 's money if we had not noticed the withdrawal from my mother 's hometown account. The lack of notice and poor response by First Tech about this matter is absolutely unacceptable.
Product: Mortgage

For the Past 4 years I have been trying to resolve a credit reporting issue with " Freedom Mortgage '' Freedom Mortgage has inaccurately evaluated my credit score and has reported 3 consecutive late payments from XXXX 2017, however that was not the case an i did in-fact pay these payments as well as every other payment before and after this time. 

Freedom mortgage made multiple mistakes on there behalf which they continue to deny and as a result i have recieved negative remarks to my credit, Freedom Mortgage 's company structure is so compartmentalized that it is impossible to speak with a representative that can fully understand/oversee the problem, making a complex issue like mine impossible to resolve because it requires knowledge from different departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon discovering a ( Low ) credit Score of about ( XXXX ), on my ( XXXX ) Credit Card, I immediately, called Transunion of this serious Mistake. The operator informed me, that he could ( Not ) help me ; and I needed to mail a Written Letter of ( Dispute ) to ( all ) ( 3 ) Credit Bureau 's ; ( Transunion, XXXX XXXX XXXX ). The ( Letters ) were sent on XX/XX/2023. A few days later, I received only ( 1 ) response from Transunion, the other ( s ) ( Failed ) to properly respond back. 

In my Dispute Complaint ( s ), I clearly pointed out, that I have ( Never ) been Late, with any of, my former ( Mortgage ) Payments, Loan # XXXX. Our Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. Transunion ( Claims ) The Bank claims I was ( Late ) in this ( Last ) XXXX of XXXX, for amount of {$1700.00} Dollars & stated I was ( Late ) this ( XXXX XX/XX/2023 ....? Even though my Mortgage was ( Paid ) in ( Full ) on XX/XX/2023. Try & explain that one ....? 

This is totally ( False ), & clearly the work of Incompetence by the Employees of ( XXXX XXXX XXXX  ). My ( Wifes ) mortgage Payments are Automatically deducted from her payroll, with XXXX XXXX ... ... ... ..! My present XXXX Score is preventing me, from obtaining a ( Loan ) to get my ( Roof ) repaired, Fifth Third Bank, is responsible for my Credit Score, being ( Lowered ) from ( XXXX ) to ( XXXX ) ) ... ....! I need this serious situation corrected & Re-State my Excellent Credit Score. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX E-Mail XXXX Tel # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware in XXXX  of 2020 that my credit score of XXXX had suddenly dropped between XXXX and XXXX to XXXX. Checking my outstanding balances on the three credit cards I carry showed that I owed negligible amounts on my Visa and XXXX XXXX cards as I pay my balances monthly and that the balance on my XXXX XXXX MasterCard ( Barclays ) card was XXXX as I hadn't used it in months. Checking with the XXXX webpage revealed that I had no outstanding bills or collections levied against me. However, I recently received a letter from Barclays informing me that my MasterCard was terminated due to 90 days of delinquency. Upon checking my Barclays app I was able to confirm that not only was my balance at the time of termination {$0.00}, but that the card had not been used for over 8 months. The date which they issued a 30 day delinquency directly correlated with the dates in which my credit score began to decline. I received no written letter, email, or phone message to inform me of this. Since I had not been using the card and knew that the account had been paid in full I did not have reason to suspect that they were the source of my credit decimation. Upon contacting Barclays this morning ( XX/XX/XXXX ) I was informed that it was not there problem to fix. My score is now XXXX. I was also advised to write letters to the 3 major credit monitoring companies, advisement which directly contradicts the Federal guidance provided by this website. They not only deny any responsibility, which I have full documentation of, but are advising me to pursue a line of dispute that seems to be of even further detriment to my score. Never once was I advised to seek Federal credit advice to rectify the matter. Not only are they grossly negligent in this matter but seem to be actively directing me away from a course of action that would help me resolve it and restore the credit that it has taken me years of responsible financial planning and payment to achieve. I believe, especially due to the documentation I have and the sheer negative effect this has had on my credit, that this qualifies as matter worth pursuing in civil court if they are insistent on refusing to rectify the problem that they are clearly responsible for creating. The Barclays associate with who I spoke is named XXXX, employee number XXXX. Again, I was told my only recourse is to send a written letter via conventional mail to Credit Bureau Dispute FCRA XXXX. XXXX XXXX XXXX, Delaware XXXX and physical letters to all 3 credit agencies and that they will take no steps to restore my credit otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF ED XXXX XXXX XXXX XXXX has violated my rights.

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

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

I was a Citibank XXXX card member up until XXXX where my account was cancelled by Citibank. I pay an annual fee of {$490.00} for the billing period of XXXX to XXXX in exchange for card benefits. I requested a prorated refund of my annual fee for the quarter of the year I paid for but did not receive benefits for because Citibank cancelled my card. I was told that even though Citibank elected to cancel my card, because it had been more than 37 days into the annual period from last XXXX they would not refund me any of the annual fee. I do not dispute Citibank canceling the card but I would like a 25 % of my annual fee refunded to me as they kept 12 months of the fee but only delivered 9 of 12 months of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX CU XXXX,
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service, unfair practices, and failure to uphold federal consumer protection laws. Specifically, Cash Apps actions ( or inactions ) have violated the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

1. Failure to Address Fraud Prevention : Cash App failed to take timely and effective measures to prevent or address fraud on its platform, leaving my account vulnerable and unprotected. This failure constitutes a breach of its duty to safeguard customer accounts and maintain the integrity of its platform, as required under the CFPA.

2. Unfair and Deceptive Dispute Resolution Process : The dispute resolution process employed by Cash App was neither fair nor transparent. Cash App failed to comply with the error resolution requirements mandated under the EFTA and Regulation E. Specifically, these regulations require financial institutions to promptly investigate and resolve disputes regarding unauthorized transactions within specified timeframes. Cash Apps noncompliance with these standards has exacerbated my financial loss and caused undue stress.

3. Significant Inconvenience and Financial Loss : Cash Apps inadequate handling of these issues has caused me significant inconvenience, financial harm, and an erosion of trust in their services. As a customer, I expected fair treatment and prompt resolution, neither of which was provided. 



Request for Redress : I seek appropriate redress for the violations outlined above, including but not limited to : Reimbursement for financial losses incurred as a result of unauthorized transactions.

Compensation for the inconvenience and emotional distress caused by the inadequate handling of my case.

Assurance that measures will be implemented to improve fraud prevention and dispute resolution processes to prevent similar issues for other consumers.

By failing to act in accordance with federal laws designed to protect consumers, Cash App has failed in its duty to uphold fair practices and ensure the safety of its users accounts. I trust that this complaint will be taken seriously and that corrective actions will be implemented. 

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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They sent me a text saying they were CBE Group. A debt collection agency. I found out that he CBE group is a private collection agency for the IRS. But when I XXXX the number it came up as XXXX XXXX XXXX. 

I have already set up a payment directly with the IRS. I have never received a written notice from either CBE Group nor XXXX XXXX XXXX. 

They also call from different numbers with different area codes.