23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I originally disputed the debt on XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with Commonwealth Finance Account # XXXX. I asked Commonwealth fin to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure Commonwealth Finance would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the letter I also asked, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the Hipaa does allow limited information about me but anything more is to only be revealed with patients authorization, therefore my request is twofold- validation of debt and Hipaa authorization. Please provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. This has caused my life much financial damage so if the debt isnt validated within 30 days please have it removed ASAP.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint for the 1st time to follow up the addressing of the specific inquiries, in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX, and Equifax Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft The Inquries are Bellow : 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 Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$810.00} XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  XX/XX/XXXX {$72.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$520.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX234, 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 : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is about Chase. I am helping a nonprofit charity which is setup under 501 ( c ) ( 3 ). I have been sending checks to them for different causes; such as orphan care, refugees etc. 

I use my bank 's " Pay Bills '' feature which cuts and sends them a check. There is a memo field which I filled this time with " XXXX XXXX XXXX '' to instruct that I would rather have the funds be spent in the XXXX XXXX XXXX XXXX that we often see in news which have hardship due to winter. 

XXXX Chase, did a simple text search and blocked my check, and witholding funds and threatening to confiscate my funds ( " Provide detailed purpose of payment. Payments involving XXXX are only permissible under certain XXXX regulations, authorizations and or licenses. Remitter is to please cite the applicable regulation/authorization/license under which this payment is permissible ... If a response is not received within a timely manner, the funds could be affected in accordance with the sanctioned program '' ). 

- I told them in my response, in exact wording : " This is a XXXX organization providing support for syrian and afghan refugees. '' Do I need to provide anything anymore? Just because I mentioned " XXXX XXXX XXXX '', they categorized it as Payments involving XXXX. It does not involve XXXX, it involves XXXX. They are still witholding my payment even after telling them that this is a XXXX ( c ) ( 3 ) organization that I have been sending money to, and that the address is a XXXX address with the organization 's name on the fund. They are now asking : " Please advise of location of XXXX XXXX.. ". This is despicable, am I supposed to know where the XXXX XXXX  are? 

- I am sending to a charity, in the US, to a US address. In no way this indicates that I am sending money oversees. 

- This is XXXX and discriminative. My memo in no way mentioned or indicated that the funds were destined to " XXXX ''. The Bank thinks " Payments involving XXXX '', will this be the same case if I say " For Syrian Music Concert ''? " In excange for XXXX Carpets '' or whatever? Or is it a " Payments involving XXXX '' context when it is about " refugees '' - In a subsequent pay, I put " Winterization efforts for refugees '', and when their background is not mentioned, the payment is fine. So, it is the " XXXX XXXX  '' that the bank does not want to deal with? 

I am not in a place to advise anyone on location of XXXX  XXXX. This is abuse of power.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax regarding some errors that I found that are on my credit report. I have reached out multiple times for them to fix them since XX/XX/XXXX. They have sent me corresponding letters since XX/XX/XXXX requesting additional documents. I have sent the required additional documents that were needed. I have been getting corresponding letters each month since XX/XX/XXXX requesting the same additional required documents. Every corresponding letter that was sent to me since XX/XX/XXXX I have responded to each letter with sending the additional required documents. I have attached receipts of when I sent the additional requested documents and I also attached additional documents to support my case In accordance with the Fair Credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Checking or savings account

I want to withdraw my money cuz I just got my check deposited to account in when I tried to pull the money out the ATM didn't give me all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7000.00}, {$10000.00}, {$6200.00}, {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the these items that are being reported on my credit report. These accounts are not mine. 
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
Product: Debt collection

I was scammed I was sent a check from a company I thought was a legitimate company a startup check to start working and as I deposit the check they asked me to send them some amount back so they can send the equipment for working as I did the best day I found out the check bounced and then they started emailing me about exploiting my image and treat emails and asked me to send them money or buy them bitcoin thats when I knew it was a scam and I filed a police report the next day I was buying chips for my son and it said I dont have any fund in my account I was shocked to see my bank balance was XXXX and thats when I had a XXXX XXXX and I dont know what do do now
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. Or a list of inquiries : 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 furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I 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, financial loss, and a breach of my data and information, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was told by navy federal that I had over draft fees do to someone putting falae checks in my account so they closed my account
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS SOMEONE OTHER THEN MYSELF OPENED AND MAINTAINED THE FRAUDULENT ACCOUNTS, THE CHARGES ARE NOT MINE THE ACCOUNTS ARE NOT MINE. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED AND MAINTAINED. THE ACCOUNTS AND THE CHARGES ARE FRAUDULENT.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected, nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Upon careful review, I want to clarify that the issue was not related to the XXXX XXXX tax department reducing my property taxes. Instead, it was a mistake made internally at CMG. Specifically, CMG erroneously used the tax amount for one of my parcels for both parcels, leading to an inaccurate calculation of my property taxes. 
I promptly identified this error within two days of receiving the initial escrow analysis from CMG. Unfortunately, it took us over 20 days to correct the mistake due to internal processing delays. 

I acknowledge the discrepancy pointed out in the initial finding on XX/XX/XXXX, which indicated an escrow shortage of {$1600.00} As a result, my payment was adjusted to {$1900.00} to cover this shortage. Subsequently, after a reevaluation, CMG identified that the accurate escrow shortage was {$180.00}. This discrepancy was promptly addressed and I made a payment of {$180.00} towards the escrow shortage on XX/XX/XXXX to rectify the situation. 
Even after the $ {$180.00} payment, there appears to be a discrepancy, as the revised payment of {$1700.00} exceeds the previous payment of {$1500.00} by {$210.00}. Please explain what the XXXX increase if related to if the escrow shortage was paid on XX/XX/XXXX. 

Related to COMPLAINT ID XXXX
Product: Mortgage

I was called back in XXXX and offered a stream lined refinance. for a few weeks i was regularly contacted and provided all information that was requested from me. Then out of the blue the refinance was closed with out notification to me. I called and was told there was a missing letter of subordination due to my down payment assistance program. The refinance was reopened and again I provided all information requested from me, including paper work from a 7 year old bankruptcy that I had to pay for for this that wasn't even needed when I purchased my home. a few weeks passed and again no contact. When I called. I was once again told that it had been closed without notification to me. After this I filed a complaint with the CFPB. I was contacted that day and the refinance was reopened again I provided the information requested and this time was informed they needed a letter from me requesting the letter of subordination which was provided that same day. A week later I received a call stating i was going to have to pay a rate lock fee because I had not provided the the letter to which I produced the email where the letter was sent to whom it was sent and a confirmation that it was received. I also refused to pay the rate lock fee because none of the dragging out of this process was on my end. Three days later I received a phone call just to tell me everything was moving forward and they were working on a subordination agreement. Two weeks passed I received no contact so i called to see what was going on and after being shuffled thru 4 different people i was finally told it had been closed again. Then i was told that there was a lien on my home that i needed to pay or they would not refinance. At the beginning back in XXXX i notified them of my down payment assistance program was told it was not an issue. When i accepted the down payment assistance I was told I could refinance without an issue. when I contacted the down payment assistance program today to find out their side of the story regarding the letter of subordination it turns out freedom never when thru the proper channels to receive it. I am tired of fighting with the mortgage company to obtain what they called and told me what they were going to give me for being a new customer.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Cash App ( Block , Inc. ) regarding its unlawful business practices, particularly as they pertain to the recent settlement over deceptive practices, failure to protect consumer funds, and unauthorized transactions. These actions not only violate consumer protection laws but also undermine financial security for thousands of users, including myself. 

Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. XXXX et seq. ), Cash App is legally required to investigate and resolve errors in electronic fund transfers in a timely manner. However, Cash App has engaged in a systematic failure to properly investigate and reimburse unauthorized transactions, leaving consumers financially vulnerable. In my case, I experienced [ describe unauthorized transaction, account freeze, or other issue ], and despite multiple attempts to resolve the matter through your customer service, I was met with delays, dismissals, and outright noncompliance. 

Furthermore, under the Consumer Financial Protection Act ( 12 U.S.C. XXXXXXXX XXXX XXXX  ), Cash App is prohibited from engaging in unfair, deceptive, or abusive acts or practices ( XXXX ). By misrepresenting its fraud protection policies and failing to provide clear, accessible means for dispute resolution, Cash App has engaged in deceptive conduct that has caused material financial harm. 

Additionally, Cash Apps failure to adequately safeguard customer funds may constitute a violation of state consumer protection laws, such as the California Unfair Competition Law ( XXXX XXXXXXXX. & XXXX XXXX XXXXXXXX XXXX XXXX  ), which prohibits fraudulent and misleading business practices. Given that Cash App provides financial services without being subject to the same federal banking regulations as traditional financial institutions, its failure to implement adequate fraud prevention and dispute resolution measures is particularly egregious.