23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was XXXX with my XXXX child in XXXX. She was born in XX/XX/XXXX. I was on XXXX then because I was not working. I had been on XXXX since my son was born the year before that. I was a patient at XXXX in XXXX. I was always seen for appointments here, and never was questioned about my Medical coverage because of what they already had on file. Never did I have to pay a co-pay of any sort. Toward the end of the XXXX in XXXX I had to do the renewal paperwork for the upcoming year. I turned in everything, and was always told I was missing some sort of paper. I would get that in and something else would be missing. I was worried that coming up the birth would be affected by this and I knew it would be expensive. So I did everything I could and complied with whatever was required of me. I even tried to hand carry in the documents in the office in XXXX but they told me I could not do that, and I would have to mail them. I just didnt want them to get lost. So I would mail them from outside their office. They had informed me that they would back pay the payments 3 months from the submission of my application while it awaited approval in XXXX. Come the birth, we stayed days and they nurse told us XXXX had only covered 3 days, therefore I was covered again. I recently applied for a mortgage loan and was ready to close in the next few weeks. A new collection from XXXX had popped up and dropped my score significantly. I immediately called XXXX and asked what I could do to get this removed because of the situation that I was in. I had told the lady that I thought this whole Insurance thing was behind me. I had already spoken with XXXX and XXXX about paying the past bills because they would retro pay the time I was still getting in documents that they kept losing. XXXX had me call XXXX to ask if I could pay them and have them remove the account from my credit report. The Manager there told me she was unable to do that because once it leaves their office it is out of their hands. I told XXXX this and they said it was false, they will only let the Credit Bureau know my account is paid off, but will not delete. Only the Hospital can do that. So I went back and forth getting nowhere. All I wanted to do was pay off the entire debt and get it cleared. I had told them I was willing to pay it in full right there but nobody would help me get it removed from the report. This entire thing was a mix-up and is now so old, I have no documentation for it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

In XX/XX/2020 I ask social security office to put XX/XX/2020 deposit onto my current card. When XXXX got here I didn't receive it. I was told by social security XXXX and XXXX if thecompany that received it dont send it back to them then I won't get it
Product: Credit reporting or other personal consumer reports

I dispute the validity of this debt and have reason to believe that the reported information does not accurately reflect the situation. Under 15 U.S.C. 1692c, I am exercising my rights to ensure that I am not subjected to any unfair practices related to debt collection. 

I request that you investigate this matter and provide verification of the debt. Furthermore, if you can not provide sufficient evidence to validate the debt, I ask that you remove any negative reporting from my credit file related to this account. 

Please confirm receipt of this letter and respond to my request within XXXX  days to avoid further action on my part. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash app failed to take timely and effect measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore they ask for your social security and their despute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience, financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The balance on account info does incorrect and not updated. 
XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX shown : {$7700.00} Actual balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that 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. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) 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. 

These are the accounts I've disputed and markes as Inaccurate : XXXX XXXX XXXX balance of {$590.00} XXXX XXXX  Balance of {$400.00} XXXX XXXX Balance of {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX years old. i started using credit at 22 when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX  years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2.  Identity Theft XXXX XXXX XXXX XXXXL Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX BANK Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

I am existing customer of wells fargo bank. I recieved promotional offer from Wells Fargo to open savings account and keep {$25000.00} balance for 90 days. There will be reward of {$520.00} for keeping money for 90 days. 

I opened account with promotional code, that was provided in the email, then called customer service to confirm that account will be rewarded {$520.00} promotional bonus. I deposited {$25000.00} on XXXX. 

On XXXX, I called for promotional bonus, customer service was playing XXXX and said that there is no record. So, now bank is renigging on their advertisement / promise. I was earning 4.35 to 5.35 % interest on my {$25000.00}. Wells fargo bank has paid {$0.00} ( XXXX cents ) in last 3 months. That is cheating, bait and swich etc. 

CFPB, need to do research of Wells Fargo bank 's new account opening data to find out how many conumers have been cheated out promotional bonuses. Not many people spend hours on the phone filing complaints and persuing. CFPB, need to punish these institutions for cheating. 

Thank You P XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXXXXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiry is fraudulent account never remember signing up for a Amazon credit card Verizon account was fraudulent account my twin brother use my I.D wouldn't be surprised if he was the one applied for the Amazon credit card I have no knowledge of these accounts I need them removed immediately
Product: Credit card or prepaid card

See attatched XX/XX/XXXX USAA STATEMENT note : all XXXX XXXX total {$470.00}. See attatched XX/XX/XXXX USAA STATEMENT XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total {$470.00} ARE *DUPLICATE TRANSACTIONS ON ACCOUNT ( 2 ) TWO TIMES. ONCE *XX/XX/XXXX AND ONCE XXXX XXXX TOTAL {$470.00} See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX THE REVIEW OF DUPLICATE TRANSACTIONS CONFIRMS * NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM. USAA posted Fraud Credits XX/XX/XXXX {$460.00} AND REVERSED THESE OLD FRAUD CREDITS XX/XX/XXXX & ALSO ON XX/XX/XXXX. LAW REQUIRES DUPLICATE TRANSACTIONS XX/XX/XXXX {$470.00} BE PAID AND INTREST. LAW REQUIRES WRITTEN FRAUD NOTIFICATION USAA DOES NOT PROVIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last  two  accounts on my Credit Report that I have no knowledge of are an   XXXX   XXXX   company that states they represent  XXXX   XXXX . I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is  XXXX   XXXX   XXXX . It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are als o 2  accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are  XXXX   XXXX  and an account by the name of  XXXX . Thank you.
Product: Credit card or prepaid card

I have a VISA credit card with Bank of America that I set up to use auto-pay, which is their system for setting your checking account to automatically pay off the statement balance on the credit card each month. I had it set up to pay the full statement balance by the earliest delivery date. When choosing the earliest delivery date option, their system requires you to set an amount limit. If the statement balance is over the amount limit the auto-pay will not pay off any of the balance until you log in to your account. 

I logged in to my account and saw that my balance was much higher than it should be, {$810.00}. I discovered this was because my last statement balance was {$500.00}, over the {$500.00} limit I set, so it was never auto-payed, and then additional charges I made brought it up to {$810.00}. The credit card only has a {$500.00} credit limit, so it shouldn't have been able to go above the auto-pay limit in the first place. If I hadn't happened to log in to my account at the right time, I would have assumed auto-pay was working and missed a credit card payment. 

This system seems designed to lure unsuspecting customers into missing payments and accruing interest. By forcing you to set up an auto-pay limit and also allowing you to go above the credit limit on you card, they lull you into a false sense of security that your autopay will always go through as planned when in fact it won't.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XXXX I, XXXX XXXX XXXX, contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Consumer Loan

I had a loan with Santander USA and paid off the car. I have an overpayment of {$350.00} and I 've been waiting since XXXX for my refund. Each time I call, I get a different answer on when I will receive my refund. The employees are extremely rude and condescending. I made every payment on time and I am getting treated like dirt now. I am not even sure they were applying my payments correctly for the last 5 years. The customer service says that the accounting department does not have phones so I ca n't request a breakdown of payments made. This company is a scam!
Product: Mortgage

In XX/XX/XXXX. I paid off my mortgage with Mr Cooper. Since then, I have been waiting for the documents to remove the lien on my apartment. After many calls to Customer Service and further escalation to Corporate Resolutions Team nothing happened. After insisting, I received a plain document on XXXX with no instructions attached. It was the original note with a Paid in Full stamp, which I took to my attorney to conclude the process. For our surprise, it has a few notations, but none of them has endorsed the document to me or bearer. Also, an allonge was missing. 

I placed a corporate complaint in XX/XX/XXXX explaining the requirements, and today, XX/XX/XXXX, I received the solution to my case. 

They resent a copy of the same useless document they sent in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I CALLED XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT AND SPOKE WITH " XXXX XXXX ''. SUPPOSEDLY A SUPERVISOR. HE WAS VERY RUDE FOR STARTERS, HE ALSO REFUSED TO FILE A NEW DISPUTE FOR ME, BECAUSE THE COMPANIES HAVE FAILED TO RESPOND FROM XX/XX/XXXX. AFTER I EXPLAINED TO HIM I'M UNAWARE OF CERTAIN ITEMS ON MY CREDIT REPORT, AND THAT'S ENTIRELY TO LONG TO STILL BE WAITING ON A RESPONSE BY LAW. I THOUGHT I COULD FILE A DISPUTE IF I'M UNAWARE OR DON'T RECOGNIZE SOMETHING ON MY CREDIT REPORT. XXXX TREATS CONSUMERS TERRIBLE.
Product: Checking or savings account

I deposited checks on XX/XX/XXXX & XX/XX/XXXX. The bank has placed a hold on both checks. I have verified they already have the funds from the XX/XX/XXXX check and they refuse to release the funds. Every check I have deposited in the last 6 months have had holds placed on them. The bank is Truist.
Product: Debt collection

The collections account ( HUNTER WARFIELD ) appeared on my credit profile and I disputed it with the three major bureaus for XXXX months straight XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Then last month, XX/XX/XXXX, the same company ( HUNTER WARFIELD ) put the same debt under another account number on my credit profile. So now I have XXXX collections for the same debt that was discharged in bankrupcty XXXX years ago. I called the company today XX/XX/XXXX to explain it is a discharged debt and to give me an email or mailing address to provide proof. They refused, even after verifying my name address and phone number etc.