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

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 : It also states a consumer reporting agency can not fumish a account without my written instructions.
Product: Debt collection

American Credit Resolution/ACR has violated so many of the rules that are in place with regard to debt collection. This company has continued to call me on my cell phone - numerous times a day from different numbers ( leaving me voicemails that they are sending me demand letters to my place of employment or home ). At least 7 times each day to my phone ... ... .... They also call relatives and give them private information in hopes of getting a different phone number to reach me. They continue to call my place of employment when I have asked them several times to stop - just changing the CSR does not mean they can now call my work again. Each all they threaten demand letters and legal action - also illegal, right? MAKE THEM STOP!! My personal information should not be shared with anyone and when I ask them to stop they should stop harassing me.
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 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, they're 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: Money transfer, virtual currency, or money service

BANKS OF NORTH CAROLINA N  C General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
Product: Credit reporting or other personal consumer reports

Yes there Are Fraudulent Inquires that is on my report they are unauthorized XXXX shoud not be there XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested report 11 days ago with XXXX, of course, as expected never received my Chexsystems report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed too 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: Checking or savings account

On XX/XX/year>, XXXX XXXX and I had a conversation about me renting a house from him in XX/XX/XXXX. I signed a security deposit agreement and sent him {$100.00} to his Chime account to secure my spot for the house. I no longer want the house and I express this to him and Ive asked him for my security deposit back of the {$100.00} that I sent him and he is claiming that I need to pay the full {$900.00} of rent first in order to get my XXXX dollar security deposit back and I know that is not right. I have not even seen the property on the inside and I told him I wasnt interested anymore. In the agreement, it states this is not a form of payments for rent. and he also reassured me the day we were talking about it that it was to secure my spot for the house now he is claiming that I have to take the tour of the house and I have to give him the {$900.00} in full in order for me to get the money back, but I telling him that I dont want the tool I dont wan na do any of that. I just want my security deposit back and he is claimed that I have to do what he says.
Product: Credit reporting, credit repair services, or other personal consumer reports

I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested Infiniti Financial Services to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and Infiniti Financial Services to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to XXXX  to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted XXXX  and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to XXXX and second to send me a letter stating that they sent this request to XXXX. After a couple of weeks, I contacted XXXX again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and XXXX  keeps not receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 : {$4700.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a Bill In The Mail with no number that says a XXXX charge was left unpaid for a Citibank card I do not own. I was advised that since Citibank didn't have a card in my name to ignore it unless I get sent another one. Well the credit reports ' last week said due to a XXXX fee for Citi Bank my Credit Score went down significantly. I was a victim of fraud and I want this XXXX Credit card fee off my records.
Product: Student loan

Since XX/XX/XXXX I have been waiting for XXXX to review and calculate the number of payments attributed to Public Service Loan Forgiveness which was extremely undercounted and inaccurate as they did not reflect years of payments with prior loan servicer and had inconsistent numbers across loans as if I make payment separately which has never been the case. I followed up with them in XX/XX/XXXX and again this month to no avail. I have also requested a copy of all of my records so I can make my own calculations in XX/XX/XXXX and only received records from since XXXX when account was transferred to despite that those records should have come with the account. This gross negligence is compromising my student loan forgiveness as I have more than 11 years of employment certifications filed with them. Moreover I was forced into forbearance for when it took them nearly five months properly calculate my payment further delaying my progress.
Product: Mortgage

I was approved for a mortgage through XXXX XXXX   XXXX and Quicken loans ... pending underwriting. I proved rental history through signed letters from landlord and from taxes. Due to the fact I could not prove through a bank statement from XX/XX/XXXX to XX/XX/XXXX they denied my mortgage and proceeded to state they can keep my {$1000.00} earnest money. I proved all other dates and years through the bank statements I did have. I am a XXXX XXXX survivor and a single mother. This whole processes has taken hours of research time and money for copies, faxes, postage and they kept moving the close date because they could not preform their duties on time. I feel like I was unjustly treated for not having a bank account during those months but had proved rental history through all other documents. They have denied a safe dwelling for my children and I.
Product: Credit reporting or other personal consumer reports

I benn a victim of identity theft. I contacted Equifax and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX  ( bank ) XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> XXXX
Product: Debt collection

I am filing this complaint against Transworld Systems Inc. ( TSI ) for their failure to properly validate a debt, continued attempts to collect on an invalid debt, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Debt Validation Failure : I formally disputed the alleged debt in writing and requested validation under the FDCPA. TSI failed to provide proper documentation proving the legitimacy of this debt and instead sent me a statement that explicitly shows a {$0.00} balance. Despite this, they continue to attempt collection. 
Attempting to Collect on a Debt That Is Not Owed : The documentation TSI provided clearly states that my balance is {$0.00}, proving that I owe nothing. Yet, they persist in collection efforts, which may constitute misrepresentation and unfair collection practices under federal law.

Reporting an Inaccurate Debt to Credit Bureaus : TSI has reported this alleged debt to credit agencies, negatively impacting my credit. Given that their own records show a {$0.00} balance, this reporting is not only false but could be considered willful misreporting in violation of the FCRA.

Failure to Cease Collection Despite Multiple Dispute Letters : I have sent multiple dispute letters requesting full validation, yet TSI has failed to provide legitimate proof of their legal right to collect. Instead, they continue their collection attempts without addressing my concerns.

Requested Resolution : Immediate cessation of all collection activity related to this invalid debt.

Immediate removal of this debt from all credit reports. 
Written confirmation that this matter is fully resolved and will not be pursued further. 
Investigation into Transworld Systems Inc. 's collection and reporting practices to determine whether they have violated federal consumer protection laws.

Supporting Documents : I have attached the following : The response letter from Transworld Systems Inc. admitting the account was charged off and showing a {$0.00} balance The statement of account proving that no balance is owed Copies of my dispute letters that have been ignored Conclusion : Transworld Systems Inc. is falsely attempting to collect on a debt that does not exist and is damaging my credit in the process. I request the CFPB to take immediate action to hold this company accountable for its deceptive and illegal debt collection practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Iam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings and charges and credits. This issue aligns with recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing Equifax to do a reinvestigation on accounts listed below in attachments. 

When I call Equifax XXXX and XXXX they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.
Product: Bank account or service

Since XX/XX/XXXX, I am a client of WELLS FARGO BANKS and the account holder of XXXX accounts currently XXXX and XXXX., on XX/XX/XXXX, I received a call from the XXXX Department of Wells Fargo Banks , to inform me that a number of debit card transactions had been made -presumably in my name- in XXXX , NY , from XX/XX/XXXX through XX/XX/XXXX. This time the charges amount to the total sum of XXXX dollars with XXXX cents ( US {$9400.00} ). The person who called me identified herself as XXXX, her Wells Fargo Banks ID number is XXXX, and her contact phone number at the XXXX is XXXX. I informed her that I was in XXXX, XXXX, and that the debit card that the bank had sent me to my home address was still in my possession, is a new debit card and that IT HAD NEVER BEEN ACTIVATED BY ME. XXXX told me that they would proceed to block my accounts and to cancel the aforementioned debit card, and gave me the claim number for my case. XXXX informed me that, in at least a week, I would receive a call from the XXXX of Wells Fargo Banks to provide me with information about my case. She also indicated that I could call the number XXXX to check on the status of my case. I then wrote an email to XXXX, the XXXX at Wells Fargo Banks ' XXXX office who attended me on XX/XX/XXXX, to inform him of the serious situation that I am going through, and of the damage to my financial assets that I had suffered. XXXX replied that he was so sorry and embarrassed by all this, and that I could rest assured that the bank would refund my money, as he was reviewing my account while he was writing the reply email and, in his exact words, he said " IT IS OBVIOUSLY A CASE OF FRAUD. '' Having not received any call from the bank since I last spoke to XXXX, I called the aforementioned number on XX/XX/XXXX and told the operator that I needed to know about the status of the case of fraud to which I am being a victim. The operator transferred my call to XXXX in Wells Fargo Banks XXXX, who from now on would be the person assigned to my case. On XX/XX/XXXX, I received a called from XXXX to inform me that Wells Fargo Banks will not refund the money extracted from my accounts, claiming that " it is not possible that the debit card has been cloned ''. I immediately demanded to talk to a supervisor and they communicated me with XXXX, who committed herself to reviewing my case and promised to call me back soon to provide an answer, which to this date it has not happened. This is the second time someone has made unauthorized consumption with my debit card.In XX/XX/XXXX someone made purchases in several US cities for {$790.00}. In that moment, fortunately Wells Fargo Bank returned the money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent XXXX, XXXX, and Experian multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, unauthorized accounts and inquiries have been added to my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Account : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and this complaint is filed by myself with no other third party. XXXX and Transunion likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and Transunion I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX  and Transunion as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND Transunion continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX XXXX  Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$950.00} Collector : XXXX & XXXX Account Number : XXXX Balance : {$220.00} Collector : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$3900.00} and {$6100.00} This is a formal complaint against the three credit bureaus ( XXXX, XXXX, and TransUnion ). I'm on my fourth dispute letter and I have not received any updates or changes to my credit report. I have pulled my credit report again today and all I see on these accounts I have mentioned above are inconsistent and incorrect information being reported such as the date of last activity reporting on different months which is troubling to me. There can't be three separate payments made on a single account for sure.. It's either the account is verified through multiple sources or creditors which is impossible and not acceptable or the bureaus did not do their job of conducting a reasonable investigation and reaching out to the original creditors of the account to validate the reporting. 

I have attached copies of the letters I have sent to the credit bureaus and collectors as your reference.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and dispute the following items on my credit report, as they are inaccurate and do not comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX  XXXX ( Accuracy of Reports ) and XXXX XXXX XXXX  XXXX ( Treatment of Inaccurate or Unverifiable Information ). 

Under XXXX XXXX XXXX XXXX, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, according to XXXX XXXX XXXX XXXX, if any item of information is found to be inaccurate or can not be verified after a reinvestigation, the agency must promptly delete or modify that item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported an outstanding loan balance on my credit report in XXXX. Then transferred it to XXXX XXXX Recover for a few years. Then it transferred to XXXX XXXX XXXX XXXX XXXX ) and reported it again on XX/XX/XXXX. It is showing up on my credit report as a XXXX year old debt. But was originally from XXXX  years ago. 

I did not keep receipts so I can not prove the date. But surely they have to provide documentation of the original date they sent it to collections. 

This happened after years of me paying 600 % on payday loans month after month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report.

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report immediately.