23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2024, I made a payment of {$2000.00} to my XXXX credit card with Wells Fargo theough WF 's portal. Typically, the funds are immediately available and so that is what I expected. However, when the funds were showing as unavailable, I called the number on the back of my XXXX card and I was told the funds would be available the next day, which was also my final day to pay my rent without a late fee being accessed. The next day the funds were still not available so I called again and I was told that there was a hold on the payment and the matter was escalated. The next person told me that they would send an email to the appropriate department requesting the hold be removed and I would get an email on the decision within a few hours. After about 6 or 7 hours, I had received nothing so I called back in and asked to speak to someone in that same escalated department. The gentleman was very rude and he told me that WF should not even be handling my call and they were doing me a favor by taking my call and I actually needed to be calling XXXX directly. I explained that I called the number on the back of my card and he then gave me another number which ultimately brought me back to WF again. At this point, I spoke with a supervisor that explained to me that a possible reason for the hold was a returned payment. In XXXX, I was transitioning to another bank account and I accidentally chose the wrong account to make my payment from. Once I realized the mistake, I immediately corrected it. Once she told me that, I was more understanding of them wanting to verify the funds but I never recieved an email requesting the verification so I ended uo with a late fee being added to XXXX 's rent. The funds would become available 4 days after my initial payment. On XX/XX/XXXX, I made another payment through the WF portal for {$1000.00}. As of XX/XX/XXXX, the funds are still unavailable and I am now being told there is a 15 day hold on the payment. I was told that if I opened a WF checking or savings account there would be no hold but since I'm paying from an outside bank there is a hold. Even when I went into a WF branch and made a payment to the card using cash, the funds were still not available until the next day. I declined to open an account and reached out to their executive team as suggested by their customer service rep. I was then told it could take up to 30 days for someone to get back to me, and I still have no explanation how the hold went from 4 days the first time and now to 15 days.
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: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.
Product: Debt collection

This creditor is reporting a negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. This company is in violation of two different consumer credit rights.
Product: Credit reporting or other personal consumer reports

Certainly! Heres a template for a complaint letter to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Department XXXX XXXX XXXX. XXXX, XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Name of Company or Institution ] regarding an issue I have encountered with their [ Credit Report and Score ]. I believe that their actions/inactions have violated my rights as a consumer, and I am seeking your assistance in resolving this matter.

Nature of Complaint : I verbal contact them on the phone asking to disputed all 14 negative items and all inaccurate information on my credit report and remove all old address i explained that it was illegal according to fair credit act 15 : U.S.C.1681 and 15.U.S.C.1682 both verbally and writing! and how they failed to resolve the issue. ]. I made multiple attempts verbally in in writing Attempts to Resolve i called and submitted disputes I reached out to Equipfax customer service on XX/XX/XXXX and was told that it was hindering me and that I cant get a place to live because of it However, they have failed to remove the bad and negative items off my credit report despite my repeated requests.both verbally and in writing a disputed Impact it's has emotional draining for me I i can't get a vehicle or a place to live because it I'm XXXX XXXX XXXX XXXX As a result of this unresolved issue, I have faced financial hardship due in the middle of a divorce to the erroneous charge, and I have spent considerable time and effort trying to resolve the matter with I respectfully request that the CFPB investigate this matter and assist in resolving it. Specifically, I would like [ state your desired outcome, such as a refund, cancellation of charges, etc. ]. 





Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX -- - You can fill in the details according to your specific situation. Make sure to include any relevant documentation that supports your complaint when sending it to the CFPB.
Product: Credit card

I lost my Discover card at the XXXX XXXX XXXX on XX/XX/year> when I was travelling to XXXX. I didn't use the Discover card at all while I was on my trip to XXXX. I had flown back to my home in Texas on XX/XX/year>. When I turned my phone back on I received the email for my online bill from Discover and that is when I noticed those transactions done on the Discover card were not from me. My trip to XXXX was from XX/XX/year> and returned date was XX/XX/year>. I have charges on my Discover card from XX/XX/year> to XX/XX/year>. I had presented to Discover card evidence to show my flight boarding pass from XX/XX/year> to return date boarding pass XX/XX/year>. I had sent Discover card my passport with the XXXX stamp to show them I was in XXXX during that time frame and could not make those purchases. Discover failed to conduct a thorough investigation and resolved those dispute charges against me even though I had cleared evidence I was not in the U.S during the time of those charges done on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Fraudulent collection account from a company named XXXX XXXX XXXX ACCOUNT # XXXX that was sent out on XX/XX/2022 via certified mail and was received on XX/XX/2022. I was informed to even fax over a dispute as well after speaking to the consumer affairs department. In which I did so as well and under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, " NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY. '' I have filed an FTC report as well as all other required documents, as advised by the Consumer Affairs Department. When I call they keep giving me the run around and stated that they have their own rules to abide by and that they are sorry ..... This is not helping my Fraud Issue at all, and they are clearly IN VIOLATION OF MY CONSUMER RIGHTS AND IN VIOLATION OF THE LAW. IT HAS BEEN PAST THE REQUIRED TIME AS STATED BY THE FCRA AND THIS FRAUDULENT ITEM STILL REMAINS. I even did research on the company thru the XXXX  and they have thousands of complaints relating to their fraudulent activities!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account XXXX : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time 16. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

18. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

20. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 months of dispute, the Credit Reporting Agencies have not yet complied with the Fair Credit Reporting Act section 605b, and have kept reporting the disputed accounts as verified! How many times do I have to tell the Credit Reporting Agencies that I was a victim of identity theft and that the disputed accounts were the results of such crime! I previously sent a dispute letter to each of the Credit Bureaus requesting that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus really feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need the remaining items removed from my Credit Report : XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I have discovered that Equifax is reporting incorrect and incomplete data ona mortgage account that I sold in 2012. XXXX XXXX XXXX, XXXX. Mortgage is reporting my current status as " Pays 61-90 days. '' They do show the " activity designator '' as Paid and Closed. However, the current status is certainly not " Pays 61-90 days. '' This should be reported as " Closed, as I can not currently be late on a mortgage that I paid in full I. XXXX 2012. According to their own 81 month payment history on my credit report, there is not a single instance where my payment was more than 30 days late. Equifax ( or XXXX XXXX XXXX ) has also omitted all on-time payments in the 81 month historical payment history, except for XXXX. They have only included instances where I was 30 days late. Every other month ( but for XXXX ) shows " NR. '' This is clearly not correct. If an 81 month payment history is included in a credit report, it should be recorded in its entirety, or not at all. Please find attached copy of my mortgage with XXXX XXXX XXXX, as reported by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the accounts listed below be removed/deleted.

According to 15 USC 1681 ; I have the right or privacy and I did not give Equifax written permission to furnish inaccurate accounts listed below. 

Account Name & Account Number : XXXX XXXX XXXX XXXX 
Account Name & Account Number : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I'm currently in work released and have to check in my personal property whenever I come back in someone fraudulently used my card and transferred money to a XXXX XXXX over {$1000.00} I don't have access to a phone to do that my XXXX  will not replace my money
Product: Debt collection

I disputed the collection with XXXX years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately 1.XX/XX/XXXX XXXX XXXX 2.XX/XX/XXXXXXXX XX/XX/XXXX # XXXX 3.XX/XX/XXXX XX/XX/XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

I WAS NOTIFIED BY A COUPLE OF CREDIT AGENCIES THAT TWO INQUIRIES WERE POSTED TO MY CREDIT REPORT. I CONTACTED THE FINANCE COMPANIES, XXXX XXXX XXXX XXXX/XXXX XXXX AND WAS TOLD THERE WERE OPEN ACCOUNTS. I'VE NEVER HEARD OF THESE COMPANIES OR APPLIED FOR CREDIT. ON XX/XX/2019 I RECEIVED A CALL FROM A XXXX XXXX FROM XXXX, PHONE NUMBER XXXX, EXTENSION XXXX. SHE INFORMED ME THAT A CLAIM WOULD BE FILED AGAINST ME REGARDING A LOAN THAT I RECEIVED FROM XXXX XXXX FOR {$2400.00}. I TOLD HER I'VE NEVER HEARD OF XXXX OR RECEIVED ANY MONIES FROM SUCH COMPANY. I TOLD XXXX I WAS A VICTIM OF IDENTITY FRAUD. SOME ONE USED MY NAME AND INFORMATION TO OBTAIN A LOAN. SHE STATED THAT SOMEONE KNOWS ME VERY WELL. I INFORMED HER THAT I HAD FILED A COMPLAINT WITH MY LOCAL POLICE DEPARTMENT REGARDING FRAUDULENT LOANS OBTAINED FROM PREVIOUS COMPANIES. I HAD SENT A COPY OF THE POLICE REPORT TO XXXX. 
PER XXXX XXXX THE SUSPECT WAS ABLE TO CASH THE CHECK AT TCF BANK WITH THE ACCOUNT NUMBER OF XXXX. I SPOKE WITH SEVERAL CLERKS AT TCF BANK REGARDING THIS ACCOUNT, XXXX, XXXX, XXXX AND XXXX AT XXXX. I TOLD THEM I WAS A VICTIM OF IDENTITY FRAUD AND TCF BANK ALLOWED THIS CHECK TO BE CASHED AT THE BANK. I WAS TOLD THAT I WOULD RECEIVED FORMS IN THE MAIL TO FILE WITH TCF BANK. AS OF TODAY, I HAVE NOT RECEIVED ANY DOCUMENTS. THE FRAUD TOOK PLACE WHILE RESIDING IN XXXX, WISCONSIN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax regarding the accuracy and verification of an account listed on my credit report : XXXX XXXX - XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a detailed description of the investigation process they conduct when a consumer disputes an account. However, Equifax has failed to provide such a description within the required XXXX period. 

Additionally, I identified discrepancies between Equifax 's report and those from other credit bureaus, raising concerns about the accuracy and completeness of the information being reported. Despite my request, Equifax has not provided documentation proving that the original creditor manually verified the account, as required under FCRA 15 U.S.C. 1681g and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Furthermore, since Equifax has been unable to properly verify this account, per 15 U.S.C. 1681i ( 5 ), the account should be deleted. Equifaxs continued reporting of unverifiable information constitutes a violation of the FCRA and damages my credit profile unjustly. 

Equifax 's failure to comply with its obligations has caused me financial and reputational harm, as inaccurate information remains on my report despite clear legal mandates requiring its removal if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : states a consumer reporting agency can not furnish an account without my written instructions