23daVinci/CFPB_Complaints huggingface dataset:
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 : Bankruptcy # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX Mortgage Servic # XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed to 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.

15 U.S.C. 1681B ( 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

I made a transfer of XXXX  Shekels from a Revolut account to an XXXX bank account. XXXX Shekels were delivered. XXXX offered 0 fee transfers with a caveat that intermediary banks may have fees, but no estimation of those fees was provided. Further, upon contacting customer service, no explanation of the fees could be provided. I confirmed with the XXXX bank that no fees were charged to receive the money.
Product: Debt collection

Dear Customer Service, I am writing this to you to demand and request to remove the account of Portfolio Recovery Associates name and any associate account from all of my credit reports : XXXX, XXXX and XXXX. 

I want to demand to REMOVE all accounts under their name or any account related/associate to them or they trying to collect ; to be removed from all of my credit report. 

Reason : They don't stop of harassing me by sending me multiple letters of the account they allegedly they said I owe to them after cease and desist. 

Again, I have never singed any contract directly with them. They did not provide nothing to me to proof I owe them this money directly to them : For example : Chain of title/assignments, contract signed my me with my wet ink that I allegedly owe this money to them. The complete and signed contract for the debt obligation ; that are licensed to collect on a debt in the State of New York or proof of Good Standing under the laws of XXXX XXXX and the Secretary of State just to mention a few. 

Specially that this account does not pertain to them as Creditor, I want to request the removal of Portfolio Recovery Associates from all of my credit reports. 

I will appreciate if it is possible that CFPB report this request to the credit Borough which is : XXXX, XXXX and XXXX, This is a violation is in violation of FDCPA. 

Again, Please remove of my credit reports Portfolio Recovery Associates from all and any account reflecting to all of my credit reports. 

I will greatly appreciate it your assistance on this matter. 

For many years I am been affected emotional, mentally and physically from this people harassments. I want to put an end of this pain and suffering they has causing me as this is aggravating. 

I am very tired of this back and forth with them!
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX Fay Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I bought a property at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Unfortunately, when I sold the property in XXXX of XXXX the mortgage servicer refused to provide an updated payoff statement after several attempts. Once it was received they added additional fees and threatened to foreclose on the property if I didn't pay the extra charges. 

I have no choice but to pay them to avoid additional damage to my lively hood however, I do not want this to go unnoticed.
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$930.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Checking or savings account

Chase is giving me to much of a hard time with a deposit of a check less than {$150.00}. I have processed these checks in the past but Chase is giving me too much of a hard time, they have asked for a number to verify details of the check and I did, XXXX, the wait to speak to an agent is super long. I have advised this already to the bank and even so they try to call but after being on hold for about XXXX mins they advise they can no longer wait and advise I call back another time. This is prolonging the restriction on my account and therefore not allowing me to access my funds or my account as any other client. I am simply requesting for the restriction to be lifted and allowing me access to freely use my account, I have called already in XXXX XXXX XXXX and have not gotten anywhere, I went into the bank and still no solution. Attached are details of the check that I deposited and the information of the payments to me. I have an active XXXX XXXX XXXX and get help with rent payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX : {$1100.00}
Product: Vehicle loan or lease

Ally Bank received the payoff from the car dealership for my car on XX/XX/XXXX. It is now XX/XX/XXXX in the car is not reflecting has paid off. It is also reporting negatively on my credit. This situation also it's allowed me to fund another car loan because I had too many active car loans showing. I specifically want three things, for the loan to be reflected as paid off immediately, for the negative reporting of my credit to be corrected, and to be compensated for my time and frustration. I'm not looking for huge amount, but something that is fair. 

Ally Bank claims that the payoff was sent to the wrong address, although on the internet it clearly shows the address where the payment was sent as the correct address. Regardless, it's all the same company in to take two weeks to reflect this car haven't been paid off on my account it's inexcusable. Again, I will reiterate, if in fact it was sent to the wrong payoff address, it was sent to a payoff address. Certainly Ally Bank must have means to correct this within 2 weeks ( I have all documentation proving the date of the delivery of the payoff check to Ally, gladly will share upon request ). 

I think the worst part of this entire ordeal has been the utter lack of concern by Ally Direct to correct their mistake. Really sad to see they are buying another bank to spread their horrible customer service to a bigger geography.
Product: Debt collection

I was threatened with lawsuits and judgements. I settled the accounts for large amounts o money without ever being summoned or given any form of validation. 
Upon paying the accounts, they are continuing to report inaccurately on my credit reports showing past due balances and charge offs for every month of XXXX 
These are inaccurate and after paying I know believe fraud as no lawsuit was filed I want them all removed immediately from my credit reports
Product: Credit reporting or other personal consumer reports

There is an account from XXXXXXXX XXXX on my credit report that I have no knowledge of. Experian keeps saying the account is verified. Well in addition to that this account is older than seven years old which is a violation of 15 U.S.C. 1681c ( a ) and they won't deleted and the status of this is listed as a charge off but it is also still showing a balance which is a violation under 15 U.S.C. 1681e ( b ). This account is in so many violations that it needs to be removed immediately or I will be seeking damages
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block inc. ) due to inadequate customer service & unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cashapp failed to take & measures to prevent & address fraud on their platform
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems reports that I owe XXXX {$100.00} and this acct was opened on XX/XX/XXXX. This is simply not true. I never opened up a XXXX account last year or the year before that. I did have a XXXX acct in XX/XX/XXXX but that was nine years ago. I have sent them several letters via US Post demanding they either produce evidence that I did open an acct in XX/XX/XXXX or remove this inaccurate information. They simply do n't respond or write back, and every month they keep reporting this. Please help me
Product: Credit reporting or other personal consumer reports

I have submitted documentation to Experian multiple times, citing specific Fair Credit Reporting Act ( FCRA ) codes, and filed complaints regarding violations such as inaccurate information and impermissible inquiries on my credit report. However, I have not received any correspondence beyond the required XXXX period for disputes. Specifically, a XXXX XXXX  that has been removed from my XXXX report is still showing on my Experian account as closed but reporting missed payments. Additionally, there are XXXX unidentified hard inquiries that have not been removed from my report, constituting a violation of the FCRA despite my many attempts.
Product: Checking or savings account

Chase Bank ; Consumer Financial Protection Bureau Attn : Dispute Inquiries Re : Notice of disputed charge to Account No. XXXX I am writing to dispute/ clear up a charge of {$400.00} to my debit card account on XX/XX/2023. The charge is in error because the items werent delivered as expected, I was overcharged, items were not exactly what I thought I was purchasing, and misled into believing it was a certain hair texture when I was sold something totally different and not what I spoke with the salesman on. I was told the wig was on final sale even though I did not get the size of the wig neither was it noted on the box, I noticed when I got home to prep for the wig it was three sizes bigger than what I normally purchase. Once I washed it, I was very disappointed. The red dye was dripping from the wig which let me know it wasnt processed and bleached correctly, as well as the texture of the hair being stripped and it no longer being body wave like it was when I left the store, like the company made curl pattern themselves just to sell when its literally straight hair I paid extra for. The hair seemed stiff and/or stale looking and feeling. It did not bounce back to the curvy body wave texture that it had when I first purchased the wig. The hair tangles when I wash it and does not go back to how it looked when I first purchased it. I can not return to the merchant myself due to the final sale rule and it would be pointless getting a letter from the merchant when it was already discussed. I just expected a high-quality wig for the price that I spent which was a total waste of my hard-earned money. I also spent more money in order to correct the wig color and to try to obtain its natural hair texture, which is an extra {$200.00} Dollars and the wig is drying out day by day. The proof I have is pictures after washing, and a comparison of an actual body wave textured wig that I already have to show the difference of the curl pattern. I am requesting that the error be corrected and that any finance or other charges related to the disputed amount be credited back to my account. I was informed by my bank to make a report to the Consumer Financial Protection Bureau to express my concerns and issues regarding this matter. 

Enclosed are copies of the payment receipt, and pictures supporting my claim. 



Sincerely, XXXX XXXX
Product: Debt collection

This company opened an account in my name and are trying to collect Money from me. I don't have any agreement with them I have no signature on paper with them they are negatively affecting my credit.
Product: Checking or savings account

I got my ppp loan deposited on XX/XX/2021 I was using my debt card it was fine soon I went inside the branch wit my friend he went to one teller to get some money I went to the other they didnt lock his account up the lady looked at me locked my account after she received my withdraw slip them gave me a number to call I call the number gave them all the information they needed send them all documents I still havent heard from Capitol one I been calling they still telling me they dont kno how long it will be then say after the investigation they going to send my funds back to the lender which not right cause they should of not accepted the deposit my money just sitting In there collecting interest I just really would love for yall to help me much as you can so I can keep my business going thank u have a bless day my number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me because of the unfavorable perception from creditors. I want to remove the negative items from my credit report. Therefore, I am asking for your assistance on this matter. If the credit bureaus still do not take action, I am ready to sue them for the damage this has caused me. Everything I will do is in accordance with the legal regulations of our laws.
Product: Debt collection

My credit monitoring subscription notified me that XXXX had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from XXXX nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX. He informed me that on XX/XX/XXXX, I had taken a loan from a company called Allied Cash Advance in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of Allied Cash Advance. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

XXXX is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.
Product: Credit reporting or other personal consumer reports

I want to make it clear that making empty threats of legal action is illegal. I am genuinely considering taking legal steps against your company for failing to address the inaccuracies in my personal credit profile despite my repeated requests. According to my understanding of the law, you are obligated to investigate and rectify any incorrect information upon request, which you have consistently disregarded. That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The XXXX Equifax and XXXX Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.
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 violates the Customer 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 up 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: Bank account or service

I reported fraudulent activity on my account at Huntington Bank as soon as I noticed. I reported it online and was told to go into the branch to fill out a report. I did this and was granted a provisional credit a few days later on XXXX/XXXX/16. After about a month, I went into the bank to ask when I would know if the credit was no longer provisional. The bank teller looked into my account and gave me a date about 3 weeks later when my file should have been reviewed and the decision made. A few days after this date, I talked to a representative online and was basically told the bank teller had no idea what she was talking about and the bank had 60 days to make a decision. It has now been well over 60 days and I can not get an answer regarding the status of the provisional credit.