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

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these accounts and inquiries be removed from my credit file : Accounts to be blocked and deleted : XXXX. Bankruptcy XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Inquiries to be blocked and deleted : 1. DEPT OF ED o Date of Inquiry : XX/XX/XXXX XXXX. DEPT OF ED o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. DEPT OF ED o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Bank account or service

I signed up for a CitiGold checking account and was supposed to be awarded XXXX Thank You points under a promotion at the time after meeting certain requirements. I met all of the requirements and confirmed with Citi that I had done so. I waited the required amount of time to receive the points and was given nothing. I made multiple attempts to notify Citi and was repeatedly given boilerplate responses that did not address my issue. Finally, after escalation, I was told they did not give me my points because they did not have a XXXX on file from me, something which was never mentioned or sent to me upon signing up. I received the XXXX form they sent to me, filled it out, and sent it back. Nothing happened. I then called to see why there was an issue, and I was informed that they closed my CitiGold checking account. I was told the only way they could escalate my issue of missing points was to reopen the account, which would take several business days. That was over two weeks ago. I then called in today and was told no changes were made to the account, and that if I wanted to receive the promotion I would need to reapply for the entire checking account again. I asked for this issue to be resolved without me having to file a CFPB, but the customer representative said she would not be able to do that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp 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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an
incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting

Ive been writing and mailing Equifax to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.
Product: Checking or savings account

On XX/XX/2022, I deposited a inheritance check in the Amount of XXXX in my savings account and was given a print out stating that XXXX would be available on XX/XX/2022, with the rest of the amount of XXXX released on XX/XX/2022. On XX/XX/2022 I was informed that because of the Amount I would have to wait until XX/XX/2022, for the entire amount of XXXX to be released on XX/XX/2022. 
On XX/XX/2022, I was told that the all the funds would be available by XXXX on XX/XX/2022, this morning I was told the funds would not be available until end if day today. Now because I believed what they had told me and began paying off my bills with said funds my checking account is XXXX overdrawn as of end of day today.
Product: Debt collection

Please Help Me!!!! 

Identity Theft Victim 1. XXXX XXXX XXXX / XXXX = {$200.00} 2. XXXX XXXX / XXXX-XXXX = {$170.00} 3. XXXX XXXX / XXXX XXXX XXXX  XXXX {$64.00} 4. XXXX XXXX XXXX ( Assigned ) Credit Class ( Assigned ) XXXX XXXX XXXX = {$1200.00} Account # XXXX, Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX 5. XXXX : My Social Security Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ... 

Non Authorization Inquires : A ) XXXX XXXX B ) XXXX XXXX C ) XXXX D ) XXXX E ) XXXX XXXX XXXX F ) XXXX XXXX G ) XXXX XXXX H ) XXXX XXXX I ) XXXX XXXX : XXXX J ) XXXX K ) XXXX L ) XXXX XXXX : XXXX M ) XXXX XXXX : XXXX N ) XXXX O ) XXXX/XXXX P ) XXXX XXXX XXXX : XXXX Q ) XXXX XXXX XXXX : XXXX R ) XXXX XXXX S ) XXXX XXXX XXXX : XXXX
Product: Mortgage

In XX/XX/XXXX, I enrolled in Auto Pay on my Mortgage and to be paid on the XXXX of each month. On Sunday, XX/XX/XXXX, I signed into my online portal to confirm my payment was processing and I did not see a payment pending ( i.e. scheduled ) nor did I see anything processing in the portal. The only thing I saw was the next Auto Pay date was scheduled for XX/XX/XXXX. Due to it being a XXXX weekend, I decided to wait until Monday ( XX/XX/XXXX ) to see once the systems refresh if it will reflect the auto pay. On Monday, XX/XX/XXXX, I signed on and again, did not see a scheduled payment for XXXX nor did I see a payment in process so I manually scheduled a payment on XX/XX/XXXX to be paid on XX/XX/XXXX. As the day progressed, I felt uneasy and that a double payment was occurring, so I later went in and canceled my manual payment. After I canceled and received a confirmation of cancellation, when the site refreshed, it showed two payments had now been posted. I called and emailed customer service and they stated there was a site glitch and the payment had been successfully canceled however, obviously, it was not because everything in the portal was showing that two payments were being applied. Nevertheless, to keep this short, due to a site glitch, M & T bank ended up debiting me for two ( 2 ) mortgage payments for the month of XXXX. This was allegedly escalated for further research but I still have not heard back from the company as to what happened and why they debited my account twice. Furthermore, what if I lived paycheck to paycheck, this error made on the bank 's behalf can devastate a Consumer. I want the CFPB to investigate and make sure M & T Bank provides a response to this inqurity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt. 

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 me 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.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My private information was violated by credit reporting agencies which is not in compliance with the privacy act of 1974. 
15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

Also On XXXX/2023 my information was sold to a third party debt buyer without my permission and or option to opt out.
Product: Credit card

I opened a XXXX XXXX XXXX XXXX with Capital One and called to close the card and pay off the balance. I was given a confirmation XXXX, for the payment and waited several days to call back and confirm the payment went through and was given confirmation it had cleared and the account was closed and had a {$0.00} balance. I received an email today stating I had a late fee and checked the balance today and it shows I still have the original balance. I called today XX/XX/year> at XXXX pm XXXX and spoke with XXXX and informed her I would like the late fee removed and what steps I had taken to ensure the payment processed, she refused to waive the late fee and seemed to think the issue was my fault. I asked XXXX if the calls were recorded and she informed me they were so they should have a record of the payment as well as a record from me calling back a few days later to make sure the payment went through. The confirmation number I received is XXXX.
Product: Debt collection

Credit Collection Solutions has added a debt to my credit report that I have no knowledge of. The amount of the debt is {$170.00} and I am requesting this amount to be removed. The date this account was opened was XX/XX/2023. This negative reporting of an account I have no knowledge of has affected my ability to obtain future credit and it needs to be removed ASAP. I have sent a request to the company to have a debt validation letter sent to my address along with the original application with my signature for this account. If the company is unable to provide this information I am requesting for this account to be removed from my credit report.
Product: Consumer Loan

WE bought XXXX XXXX 's on the same day for our sons going to college XXXX of the cars was in a total loss accident. XXXX XXXX and Toyota got the account numbers wrong and payed off the wrong car. We had no idea what had happened we continued to pay the payment as agreed, not knowing what had happened until going to the DMV to get license for the other car they informed us that that car was showing a total loss. Toyota meanwhile set up another account and we was not may aware and they turned in the other XXXX as being late I contacted them and they said it was XXXX XXXX fault because they requested they wrong title, and they were to correct our credit report but that did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX  XX/XX/year>
Product: Checking or savings account

More than five years ago, I opened an account with Chase, but for some odd reason my account was closed without an explanation, Chase informed me that I was blacklisted, and I was never going to be able to open an account with them. After trying to open an account with other financial institutions, they put a negative remark on my consumer profile, which enables me to open an account with any other bank, and it has affected my personal life in a very negative way. After five years, I decided to retry and open an account with Chase, I applied online and was approved for the secure chase banking checking account. Everything was fine for the first three days of opening the account but then I received the letter stating that due to fraud. My account will be closing. I called the customer service number on the letter and they informed me that I will never be able to open an account with Chase and that it was an error on their system.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had XXXX Late payments on an account XXXX  that XXXX was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.
Product: Debt collection

There's an account from COMENITYCAPITALBANK/XXXX XXXX listed on my credit report, but I do not owe this company ANYTHING. They sent me a card in the mail after an online pre-approval, but I never purchased anything with them. The card wouldn't work and I called their customer service number and they advised me that this card was closed because they approved me in error, due to my FICO score I shouldn't have been approved. I was never able to use the card at all, so I'm unsure of how I owe them anything. I tried disputing the amount that they claimed I owed on several occasions with no luck. I don't understand how they approved me, sent me the card, closed it and yet they state that I owe money for a card that I was never able to use.
Product: Debt collection

Carmax Auto Finance Repossessed my car illegally. They did not have ownership at the time of repossession nor do they have ownership as of today to legally collect on this alleged debt. They took actions against me in bad faith, which has rendered me homeless, and jobless since the end of XX/XX/year>. I have contacted them several times to rectify the matter most recent being this month and theyve reported back to each agency as its verified and thats FALSE. They have not cooperated in a good manner, they have been misleading and deceptive since the start. The contract they sent does not show as evidence/proof of them actually having ownership of the debt giving them a legal right to collect on the debt. They are destroying my creditworthiness and causing me emotional distress from CAF harmful and willful negligence. CarMax Auto Finance ( herein CAF ) is a debt collector as defined in FDCPA and has violated the FDCPA.

1. False and Deceptive Practices ( 15 U.S.C. 1692e ) : Notice, CAF falsely represented legal authority to repossess my vehicle, misleading me into believing the repossession was authorized by law or a judicial process.

2. Unfair Practices ( 15 U.S.C. 1692f ) : Notice, Repossession was performed without an enforceable security interest according to the guidelines of the Ucc, which is a direct violation because they are not first priority loan holder. A debt collector may not take or threaten to take property without a present and enforceable right to do so. Which they have no proof of an agreement I signed with them nor a chain of title/assignment showing they were assigned ownership of the debt at time of repo as theyve sent the agreement twice w/out there name anywhere on the contract or assignment. 
FCRA Violations ( 15 U.S.C. 1681 ) 1. Violation of My Right to Privacy ( 15 U.S.C. 1681b ) : Notice, CAF accessed and reported my credit information without my written authorization or a valid purpose. 
2. Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : Notice, I dispute the derogatory reporting of this account several times. CAF and CRAs failure to investigate and correct inaccurate information violates my rights under the FCRA.

3. False Credit Reporting ( 15 U.S.C. 1681s-2 ) : As a furnisher of credit information, you are obligated to ensure the accuracy of the data reported. Reporting this repossession and debt as valid without substantiating your legal claim is a breach of this responsibility. 
There is also a holder in due course rule from the FTC that they are in direct violation of. If CAF does not delete the trade line from my consumer report I am going to pursue legal action through XXXX arbitration.
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to Spring Oaks Capital LLC nor XXXX XXXXXXXX XXXX XXXXXXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with Spring Oaks Capital LLC. This has caused me job loss due to negative and false information published by this debt collector, which made me XXXX  XXXX  and XXXX. This debt company negligence has caused me to seek medical attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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