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

In accordance with the fair reporting act the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX... Account # XXXX Account Name XXXX .... Account # 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 state a consumer reporting agency can not furnish account with out my written instruction..

15 u.s.c 1681 C ( A ) ( 5 ) section state ; 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a, consumer to any consumer reporting agency if the person know or has reasonable. Cause to believe that the information is inaccurate. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, impartiality, and respect for the consumer right to privacy.
Product: Money transfer, virtual currency, or money service

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

XXXX XXXX XXXX is my name sent a copy of my social driver licencne and so forth they still continue to report two  accounts that when I call som others woman information comes up told this to the beuros but they keep insisting is me asked for proof of the debt directly from the creditor they did not send me anything to me but when directly to XXXX XXXX and innovis and requested that my file be locked to me by them is this possible? it seems i get the run around and after several calls back i give up help me please!!!!
Product: Credit card

I signed up for a credit card with XXXX XXXX Bank in XXXX XXXX, Florida. They apparently collaborated with BBVA Compass to issue cards for them. I pay my bills online through my XXXX XXXX Bank checking account. Most of my bills are paid electronically except for the BBVA Compass XXXX which would not accept electronic payments ( seriously? ). I would schedule the payments 5-7 days before the due date but would always end up with a late charge of {$23.00} and a finance charge ( I pay off my balances every month ). When I would look at my XXXX XXXX Bank transactions it would show the checks sent on time but for some reason Compass Bank would not " receive '' the payment until the day after the bill was due. I would call every month and complain about the late charge and finance charge and every month they would graciously reverse the late charge but would not reverse the finance charge. I believe XXXX XXXX Bank was scammed by BBVA Compass with no electronic payments and unfounded fees to their customers. XXXX XXXX Bank ended their relationship with BBVA Compass Bank for credit cards ( effective XXXX XXXX, 2015 ). As this was a cash rewards card I called BBVA Compass about my cash rewards balance being applied to my final statement but was told this was only credited on the anniversary date of the card, which in my case, is XXXX. So it looks like I was scammed with finance charges and now lost cash rewards! I am only one person and I know I am not the only one who was caught up in this scam.
Product: Student loan

My monthly payments were extremely too high so I had to do the deferment forbearance and the IBR. Payments were still to high and so we 're the interest payments.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to its failure to properly handle an unauthorized transaction on my account. Despite multiple attempts to resolve the issue, Cash App has refused to conduct a proper investigation or provide a refund, leaving me financially harmed. Their lack of action violates consumer protection laws and exposes users to fraud without recourse. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that Cash App takes responsibility for its failure to protect its customers. I am requesting compensation for the financial and emotional distress caused by Cash Apps failure to properly investigate and resolve this issue. Their negligence resulted in unnecessary stress, time lost disputing the charge, and financial hardship. Under consumer protection laws, companies are required to handle disputes fairly and transparently, which Cash App has failed to do. To remedy this situation, I am seeking monetary compensation for the inconvenience, XXXX, and financial burden caused by their inadequate response.
Product: Credit card

XX/XX/year> went to BEST BUY to buy appliances .Sales person told us there was a promotion for store credit if we opened credit card with their store and used for purchase.We opened account and spent additional money on card. We were issued store credits in sum of {$160.00}. When we came back to store manager was unable to apply it. He said it was a corporate problem and gave us their number The store credits had a scan bar and member ID of XXXX. We spent over XXXX hours over next few days talking to XXXX different corporate customer service representatives, none were able to help us.
Product: Mortgage

Around XX/XX/2019 I made house payment by mistake twice once on Wells Fargo mobile and i forgot and accidentally while paying other bills made one on XXXX XXXX XXXX mobile which I use for other bills which I have used to make mortgage payments sometimes to which one I can remember password to first to which usually forget the well Fargo so I will use XXXX XXXX XXXX mobile for. I became aware on XX/XX/XXXX or XXXX the and called XXXX XXXX XXXX to stop payment and then I called wells fargo they assured me it would be stopped I was XXXX overdrawn in my account. So from this we know this was a mistake. I have NEVER OVERDRAWN MY ACCOUNT ON PURPOSE. So I called back with then both on phone they played verbal gymnastics while I'm crying to the top of my lungs. I was taking my daughter to college the next day and counted on that XXXX dollars I had to buy stuff she needed that I now couldn't buy. The wells fargo rep was heartless and this has hurt my family financially. I want my money returned by tomorrow morning to my account and I want damages they have caused me imposed by XXXX XXXX XXXX at XXXX per transaction for returned transactions. I called both of them as soon I as became aware of mistake. I dont carry my phone around all day so I wouldn't become aware until I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three Credit Bureau : XXXX, Experian, XXXX have fail to investigate my credit report with many errors per line per account. The credit Bureau stated my account was properly investigate but how is that possible if the open date is inaccurate, last date verified is inaccurate, last activity date is inaccurae, creditor type is listed with two different descriptions of the creditors, the account type is listed with two different descriptions, the history payments are inaccurate, closed dates are inaccurate for these accounts Account # XXXX XX/XX/XXXX XXXX Account # XXXX USDA / XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXAccount # XXXX XX/XX/XXXX Account # XXXXXX/XX/XXXXXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S. C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I contacted discover and filed a dispute in the amount {$750.00} for an attorney XXXX XXXX XXXX who charged my card, I was told by the attorney, I had to leave a credit card on file to retain his services. The attorney and I had a verbal agreement, I would pay all his fee 's in cash and the card would not be charged. Behind my back the card was charged. When I became aware the card was charged, I immediately contacted the attorney and informed him he was terminated for a number of reasons. I informed him, he was not authorized to charge my card in which he already had done, I told him I was disputing the charge for {$750.00} with Discover. 

After contacting Discover and filing the dispute with discover and providing a lot documentation to support my claim from the California XXXX XXXX showing that the attorney did not do the job he was hired for and was terminated by me. My compliant was considered valid and picked up by the California State Bar as well the Attorney Client Mediation and Arbitration Services based on fraudulent billing practices and charges and a few other laws the attorney broke. 

Discover has twice refund the disputed charge back to my account after numerous calls and asking to escalated to up management, Recently Discover added the charged back to my account without reason and told me the dispute was closed and settled in arbitration without my knowledge. I reached out to Discover and was transferred to the executive team I spoke with XXXX XXXX Executive Office of Customer Advocacy explained everything to him and sent him the documentation he requested proving my claim. 

In less than a week I was contacted XXXX XXXX from the Executive Office of Customer Advocacy and told my case was closed and discover felt the charge was valid based on what information the attorney provided and the attorney was the only that could give me a refund. I explain to them that was not true, and I read their full disclosure provided by discover and he was not following protocols and a new investigation show be opened a requested by myself. Discover has lied and has refused to handle my dispute properly. I transferred around to many different departments and told I will receive a call back that did not happened. When I request to speak with upper management, I am hung up on and nowhere in the Discovers disclosure does it state I have a limited number of times I can dispute an invalid charge nor does it explain about they arbitrate without my consent on my behalf. 

Today I have an over charge on my credit card limit and discover should honor my dispute and truly help resolve the issue with the false charge from the attorney.
Product: Credit reporting or other personal consumer reports

Equifax XXXX had a data breach in which I was not notified so I don't know the damage to my credit report it has done
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting

Experian blocks access for their Free Credit Report on " XXXX '' forcing one to go to their website where you have to pay. I have tried for several days to get my personal Experian Credit report. I Have XXXX and XXXX credit score with XXXX and XXXX. Experian reported my score as XXXX to a lender and claimed that I have a lot of negative mortgage history which is untrue. I think it is a scam to force people to pay them to get a credit report. I am sure others are having the same problem. They should be forced to refund all cost to those who were forced to pay them.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only XXXX two digits of account available # XXXX XX/XX/XXXX {$1000.00} closed 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. 
Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.
Product: Credit card

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15US C 1681 Section 602 states I have the right to privacy. 15US C 1581 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 C 166B, a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Debt collection

A third party debt collector has been attempting to collect an alleged debt after I have already drafted a cease and desist letter. We have never been in any fiduciary relationship. They continue to call all hours of the day and night.
Product: Debt collection

I have two debts that are over 7 years old. My husband left me in XX/XX/XXXX and I stopped paying our credit cards. The divorce was finally completed in XX/XX/XXXX where they granted him this debt and it is specifically noted in divorce. He moved to XXXX. <P/>I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off. <P/>Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them. <P/>I just received a letter from XXXX wanting the balance XXXX for something that is in a divorce agreement and was back in XX/XX/XXXX. <P/>Also a very ugly company stating they are an attorney, Portfolio Recovery Associates are trying to get a balance of XXXX going back to XX/XX/XXXX which is the last statement they have from XXXX  XXXX. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me. LOL! These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

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

This is my 5th 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 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
Product: Credit reporting or other personal consumer reports

I already pay for my charges off with chase bank for both my accounts that I was charge off for. They agree to remove it off my account and its still showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a complaint was submitted via CFPM regarding an account that Consumer Adjustment ( CA ) is reporting in error to the credit reporting agencies. On XX/XX/2021 CA responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. CA claims they " emailed '' the documents to me but I have never provided CA with my email address. On XX/XX/2021 I wrote CA requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request. On XX/XX/2021 CA responded to my second CFPM complaint noting that they mailed the documents on XX/XX/2021. As of today XX/XX/2021 those documents have NOT arrived nor has CA complied with my request for validation.
Product: Credit reporting or other personal consumer reports

Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I believe some of the derogatory items on my credit report should be removed because they no longer represent my current financial responsibility or efforts to maintain good credit. These entries, while part of my past, do not reflect the proactive measures Ive taken to improve my financial health, including consistent payments and better money management practices. 

Additionally, having these items listed creates unnecessary barriers to accessing opportunities, such as securing loans, housing, or employment, which are vital to my long-term financial stability and personal growth. It is important for my credit report to accurately reflect who I am today, rather than circumstances that may no longer apply. 

Removing these items will not only help in my journey toward financial recovery but also ensure that my credit report is a fair representation of my efforts and commitment to financial improvement.
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 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.