23daVinci/CFPB_Complaints huggingface dataset:
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

Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX  on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX  on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Holder XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX Original Creditor Account XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX XXXX Original Creditor Account # XXXX Date Opened XX/XX/XXXX Account Holder XXXX XXXX Original Creditor Account # XXXX Date Opened XXXX XXXX This is considered willfull damage according to 15 U.S. Code 2072 - Suits for damages a ) Persons injured ; costs ; amount in controversy Any person who shall sustain injury by reason of any knowing ( including willful ) violation of a consumer product safety rule, or any other rule or order issued by the Commission may sue any person who knowingly ( including willfully )
Product: Checking or savings account

My bank account with citizens Bank, was robbed through XXXX XXXX my bank card was stored on my phone and I used it for a online service that cost a dollar and right after that they took XXXX $ that i challenged with my bank and it was returned then a few days later they took XXXX $ i was told by my bank they could do nothing until the charges that was pending cleared and they could dispute it. Then I went on a XXXX for 9 days had no phone or internet services for days on out only to find out my checking account was wiped clean for over XXXX when contacting them again they said that my transactions was with XXXXXXXX XXXX  off of a website I dont even use, nor even heard of, my claims and disputes was all submitted with supporting documents and I was still found at fault because it was through XXXXXXXX XXXX  the investigation was poorly done, something that shouldve took 7 to 14 days or even 30 days was done in less then 1 day resubmitted the same claim and supporting documents and as soon as it was time for me to receive a provisional credit they denied the claim again saying they found me liable because it was through XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, for the second time since XXXX I was refused a loan. The reason given was that in XXXX I had repaid loan but I paid late. When I asked what I could do, given a third effort, to correct the issue as they see it, I was told just " apply again.. .it might be different ''. During that phone conversation, I told them " I paid the loan ( 13 years ago ) why is my loan application being rejected twice now? They responded that " I paid late ''. I went on to ask how can I correct the problem, they responded apply again ( above ). 

I was told, and did call XXXX XXXX. 

I would like to be able to use Rapid Cash when, like now, having been laid off as a teacher during the Corona virus, there is an " emergency '' cash need. They are polite and efficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX  XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in 2014. Please help me.
Product: Credit reporting or other personal consumer reports

TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of 1974, specifically articulated in 5 U.S.

Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called bank of america to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from bank of america. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Bank of America put a hard pull on my credit report after stating over and over again that it would not be a hard pull
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute several inaccuracies in my credit report that remain unresolved, despite my prior attempts to address these issues. My experience reflects many of the problems cited in the Consumer Financial Protection Bureau ( CFPB ) XXXX recent lawsuit against XXXX ( Case No. XXXX ), including : Failure to Conduct Reasonable Reinvestigation : XXXX has not adequately XXXX the information I disputed. Specifically, it appears that critical evidence and supporting documentation I submitted were ignored. 

Mischaracterization of Disputes : XXXX dispute process misrepresented or oversimplified the basis for my disputes, leading to insufficient and erroneous resolutions. 

Inadequate Results Notification : The results of the reinvestigation provided to me were unclear and contradictory, failing to identify what information was updated, if anything, or whether the inaccuracies I disputed were corrected. 

Failure to Delete Inaccurate Information : The inaccurate information I challenged remains on my credit report, which directly contradicts Experians obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer reports. 

Disputed Accounts Below, I have listed the inaccurate items along with details of the disputes : Jefferson Capital Systems Issue : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX XXXX XXXXXXXX : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 
XXXX Issue : Inaccuracies in payment history XXXX Finance Issue : Inaccuracies in payment history Supporting Documentation I have attached screenshots to support my dispute. 

Legal Obligations Under the FCRA Under the FCRA, you are required to : Conduct a thorough and reasonable reinvestigation of disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Accurately communicate all relevant information I provide to the furnishers of the disputed accounts ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Remove or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Provide clear and accurate results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ).

Request for Resolution I request that you : Immediately delete or correct the disputed items in my credit report. 

Provide me with a complete and clear explanation of the results of your investigation. 

Notify me of any reinsertion of deleted items as required by law. 

Failure to address these issues may leave me with no option but to pursue further action, including filing complaints with the CFPB and considering legal remedies. 

I expect your response within the XXXX statutory period. Please send the results of your reinvestigation to my address listed above. 

Thank you for your prompt attention to this matter. 

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

I have been requesting a proper reinvestigation from Experian and XXXX about the following accounts. These accounts are still reporting in error and negatively affecting my financial health. Here is the reason : XXXX. A CHARGEOFF CAN NOT HAVE A BALANCE REPORTING. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX. CHARGEOFF CAN NOT HAVE A BALANCE. OPEN DATES DO NOT MATCH. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE ACCOUNT FROM MY CREDIT REPORT XXXX. DATE OPENED DO NOT MATCH. PAYMENT HISTORY IS MISLEADING, 120 DAYS LATE 2 TIMES. 
XXXX XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT XXXX. THIS ACCOUNT DOES NOT BELONG TO ME. ACCOUNT # IS INCOMPLETE. HOW CAN I BE 120 DAYS LATE AND THEN XXXX? 
BANK XXXX XXXX Account Number : XXXX DELETE ACCOUNT According to the Fair Credit Reporting Act. My credit report has to be 100 % accurate. After a reinvestigation concludes the disputed information has to be removed/deleted. PLEASE STOP SENDING COMPUTER GENERATED LETTER AND STILL REPORTING ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an address in which I have never used? 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX is Reporting a inaccurate name : XXXX I XXXX Equifax is Reporting a inaccurate name : XXXX I XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2021 - Paid a merchant {$1200.00} for services. XXXX XX/XX/2021 - Services were not provided by merchant as agreed. Attempted to resolve the issue with the merchant, however after more than 30 days the merchant refused to provide a full refund. I filed a transaction dispute for the transaction with Goldman Sachs and received a provisional credit while the dispute was under review. XXXX XX/XX/2021- Without explanation, Goldman Sachs reversed the provisional credit and closed the dispute against my favor. XXXX XX/XX/2021- I received an official email with the following message : " Due to a system error, you may have received an email or notification stating a dispute you filed was not resolved in your favor. The dispute has indeed been resolved in your favor. We will reapply the credit you had previously received within XXXX hours. '' XX/XX/2021 to XX/XX/2021 - I never received a credit as mentioned in the email. I contacted Goldman Sachs over a dozen times for an explanation of the dispute and email. Each time, the customer service representatives promised to escalate and resolve the issue but as of XXXX XX/XX/2021 I have never received any callbacks, communication, or credits and the balance is still outstanding on my credit card account.
Product: Credit reporting or other personal consumer reports

I would like to file a FTC report because of the data breach on my credit and now Im noticing several different inaccurate information such as all the inquiries in my credit and also several accounts that are invalid
Product: Credit reporting or other personal consumer reports

I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full Forensic audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
Product: Credit card

In XX/XX/year>, I received checks from Citibank for my credit card when I called to have them stop sending these checks. They locked my account because they decided based on my first name that I should be female and they didnt believe that they were speaking with the correct party. I called back a subsequent time and resolved the locked card issue and what I thought was the convenience check issue and this week I received more convenience checks from them. 
Because of the previous interaction, I have stopped using this credit card because they did not resolve that issue of the rudeness from the representative to my satisfaction but now theyre sending checks again. Having formally asked them to stop sending these because they are a risk and them not complying with my request. I am submitting a complaint to you the CFPB so that this can be documented formally by a governing agency that they are noncompliance with a privacy request from a consumer.
Product: Credit card

In XXXX of 2015 I closed my credit card account with Bank of America. In XXXX of 2015, a company attempted to process an annual recurring charge of {$99.00} to the closed account. Bank of America accepted this charge, even though the account had been closed for seven months, and then sent me a statement requiring payment. I immediately contacted Bank of America to inquire why they accepted a charge on the account, even though the account was closed. Their response was that it is Bank of America policy to accept recurring charges, regardless of whether an account is open or closed. 
I have made numerous calls to Bank of America requesting that this charge be taken off of my account, due to the fact that the account was closed seven months prior to the charge being submitted. They have refused to remove the charge, and have taken the position that I am responsible for paying the {$99.00}. 
It is my contention that they should have never accepted any charge to an account that has been closed. They have been uncooperative with my attempts to rectify the situation, and I am requesting that your agency intervene to assist me with this matter.
Product: Checking or savings account

Bank of America did a right off offset for a credit card. They fully knew I was in a hardship and drafted {$1000.00} from my checking account. This caused me to not be able to pay bills.
Product: Payday loan, title loan, personal loan, or advance loan

Hi my name is XXXX XXXX I lost my social security XXXX back in XXXX I called XXXX XXXX TitleMax office and let them know I will not be able to make any more payments until I get my XXXX back. XXXX birthday called and said they were going to take my car if I did not make the final payment and I asked the quote what was the final payment cuz I tried to get the money up the next day and I said I need the whole amount of the title loan so I can pay it off and get my car back and she told me it was {$830.00} I have three Witnesses saying it was {$830.00} and I have her on recording saying it was {$830.00}. I go the next day to pay off my loan and she is selling her mother 's dogs out of the XXXX XXXX TitleMax office which is a breach confidentiality I go to pay the final payment what she said and quoted {$830.00} to receive my car and to get my title back and she hands me a receipt marked in full but on the other side it said I still owed {$740.00} and some cents she had a girl sitting there and I'm could not ask her any information about me because this girl was whining complaining to her she was hungry and that he had my mother out in the car waiting for me to take me to go receive my car to pick it up I called her up and said I do not owe any money you quoted me {$830.00} to pay off my car and get my title back. I've contacted XXXX XXXXXXXX XXXX main office I emailed documents to their CEO now I'm having a XXXX call me from XXXX XXXX XXXX XXXX  TitleMax arguing with me threatening me to take my car back and have it repossessed telling me I still owe that {$800.00} some dollars now for all the interest is probably {$900.00} the other girl quit and got fired because of what she did when I was there I have pictures of that her selling her XXXX XXXX dogs. I need my car they did. I have XXXX XXXX dollars of Damages when they told my car away a gas leak oil pan leak oil leak brakes freezing up. Alls I wanted was my title back and I told them I was not paying anymore and they were not going to harass me and threaten me to come and get my car. This guy and XXXX out of XXXX XXXX saying that's where he is at and he's actually in the XXXX XXXX XXXX XXXX in XXXX. I have no more money coming in I'm fighting for my XXXX back I have XXXX  out of XXXX helping me get my XXXX back and I owe my mom {$830.00} I had to borrow saying it would be paid off otherwise she wouldn't have never borrowed me the money. I am XXXX XXXX of age XXXX XXXX and my mom is XXXX XXXX  of age needing her money from me back which I am trying to fight to get back. I would like to harassment stopped the threatening call stop I paid well over thousands of dollars on this car when it was only a {$500.00} loan. I can not pay nothing the interest rates are going up day by day they said I've asked to have them send me all the paperwork so I could try to hire a lawyer I don't know how I'm doing that. XXXX XXXX please contact me at XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
Product: Payday loan, title loan, personal loan, or advance loan

As my point of with this loan that I took out years ago and it shows in my credit report as a Delinquent account which I feel like it shouldn't be on my credit report showing as that but overall I did paid this loan a very long time ago like years ago what frustrates me is that I should have points for me paying the loan and felt like my credit scored never went up due to the Money Lion loan of {$500.00} being paid in full should be show Delinquent on my credit report although my report shows it was paid yes but don't like how it's a Delinquent profile on my credit when it shouldn't be due to me having a good payback with the company and raising my credit score which till this day I never seen it give me points would like improve this paid in full loan to show positive interest in credit report and show positive stuff to report and giving me all the credits that I deserve due to the fact that I paid this loan already and never recieved positive points on my report for paying or repaying the loan. And would love the Delinquent thing get off my report please thank you. Due to the fact that this is still going kn my report I would like the company moneylion plus or money lion loan to put positive stuff to my credit bureaus report card and knowing this Delinquent red flag which I feel like been in my report for very long time like around 3 to 4 years already not only have it removed this from my profile but give me more stuff that I deserve due to that fact that I ain't deserve this red flag on my credit report for years knowing I did everything successfully of paying the loan back and wanting my score to rise above for being a good customer and being a responsible customer.. I deserve more than just they supposedly just removing a Delinquent red flag of my credit I want more positive stuff just for me looking at a that in my credit report for a very long time of years.. I deserve better just becouse I'm responsible adult simple thanks.
Product: Credit card

We have a credit card that is quite old and no longer used. I decided to close the account. To do that you MUST call Citibank. When I did that, I was transferred multiple times and hung up on. XXXX hours later I can't get anyone to actually close the account. It is obvious they are trying to make the process as painful as possible to get people to give up and leave the account open. It's essentially fraud and I should be able to terminate a credit card account without speaking to multiple departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) Capital One ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


XXXX XXXX