23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am following a complaint against cash app ( block , inc ) Due to inadequate, customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specific. XXXX Cash App failed to take timely in the effective measures to prevent an 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 the air resolution requirements under the electronic fund transfer act. ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. And a seek appropriate redress for these violations.
Product: Debt collection

Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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.
Product: Credit card or prepaid card

I am owed a pro-rated refund for the annual fee on my XXXX XXXX XXXX American Express Card. I closed the card in early XXXX, at which time I was told that the annual fee would be pro-rated and the balance refunded. I called on XX/XX/XXXX to ask for that balance to be returned, and was told that a recording of the call would be reviewed to confirm my claim. In calling today ( XX/XX/XXXX ), I was told that my request was denied, and that the only way I could access the recording would be with a subpoena. This is unacceptable, as I clearly recall what was said to me. I am being defrauded by American Express for the roughly {$400.00} balance of my annual fee. Thank you for your help.
Product: Mortgage

This is a new complaint about TCF Bank. Piggy backing complaint XXXX. 
As most of the issues from the above complaint have been resolved after about XXXX months of XXXX from TCF Bank, we have repeatedly asked TCF Bank to send corrected statements for this XXXX mortgage account with an amount due and due date. This has not been completed yet and we have spoke to many TCF people. We paid our XXXX XXXX mortgage payment and the clerk said she would send an updated statement XXXX days ago and still no statement. We have asked XXXX in TCF call center in Colorado, XXXX XXXX VP in XXXX TCF, as well as another call to the normal XXXX that we make our payments to and have not received the requested hard copy of our statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I answered the previous questions as close as possible to get to this page. 

On XX/XX/2023, Capital One ran a Hard Inquiry on my credit at all three credit bureaus. I did not make this request for any credit or a credit card from Capital One. I called Capital One and was eventually referred Capital One Canada as Capital One USA says that is where the Inquiry had come from. Capital One Canada said they had no record of a Inquiry being made.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX  XXXX  TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF XXXX  LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX  ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.
Product: Vehicle loan or lease

First this is the second time I've submitted this complaint. Carvana responded that what I endured should have not happened. I submitted to get credit again and it happened again. I am being denied for not having tax returns when I'm not required to file taxes. I am XXXX I get XXXX income for which I proved to Carvana but they still refused me for the same reason, tax returns. Carvana continues to get away with harming the public and the gov't needs to intervene. 

Carvana still continues to discriminate against my XXXX status. I tried once again to finance a vehicle and CarvanXXXX requested tax documents that I can not provide since I am not required to file a tax return. I again proved my XXXX income and banking statements. It is clear that advocates that work for CarvaXXXX are not wise about their claims that there are alternate verification methods for situations such as mine. The response I got from CarvaXXXX via text chat from XXXX is that " I am unable to approve the purchase without the tax returns ''. Additionally, I received the following response via website,,,, Back Complete by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Income Verification Please upload the following documents so we can begin our full underwriting review. Each document must be a single file and show all four corners. 

- 2 consecutive years of 1040 tax returns from the IRS for the most recent calendar filing years ; we can not accept IRS Tax Transcripts. 

**If these can not be provided then you will not be considered eligible for Carava XXXX at this time! **
Product: Student loan

I become a student in XXXX XXXX  XXXX with University XXXX XXXX obtaining an Associates Degree. Each semester I believe they were overcharging the amount the school needed for my Pell Grants and Federal Subsidized and Unsubsidized loans. This was my first time ever going to a college and I never understood why they needed so much money when my two courses where under XXXX XXXX dollars and the school was asking for over XXXX XXXX dollars. I attended at University XXXXXXXX XXXX from XXXX of XXXX until XXXX and withdrew from the school because I felt I had more options at a different college in terms of the degree I was seeking during this time. I completed all of my courses from beginning to the last course before I withdrew from the school, then the University XXXX XXXX told me I broke their contract and would need to pay an additional XXXX XXXX dollars for a course I never even took. I satisfied paying this debt to the University XXXX XXXX in XXXX. Since learning about the University XXXX XXXX and how they have handled funding I would like to put forth a complaint regarding this matter. 

According to the DOE an article released states, " In the lawsuit, we found out that the University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive ''. On Thursday, XX/XX/XXXX the Department of Education announced they will begin issuing Borrowers Defense to Repayment Discharges for up to {>= $1,000,000} in contested student loans. This is in direct response to a Federal Judges ruling that XXXX XXXX needed to terminate all delays in the BDAR approvals process.Odds are very good that University XXXX XXXX loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday XX/XX/XXXX to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.
Product: Debt collection

XXXX is providing false information and there is no data and set payment all they are showing is a false collection debit
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING ACCOUNT # XXXX. 
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 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 of has reasonable cause to believe that the information is inaccurate.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

The XXXX XXXX XXXX TD Bank did not issue an electronic statement for my first statement period and charged a late fee. The statement also does not appear on my online account and is not accessible. 

I opened this account in XX/XX/XXXX and we took delivery of our furniture in XX/XX/XXXX. The first statement should have been emailed or mailed toward the end of XX/XX/XXXX. This is a zero-interest-for-XX-months-style card, but has very high interest and penalties if payments are missed or late. 

I contacted the company and the they reversed the charge, but in trying to set up recurring payments online I discovered several questionable practices on their site. 

Additionally, the XXXX XXXX XXXX TD Bank issued credit card has several issues with its payment option and information online. 

XXXX XXXX XXXX 1 ) Does not offer any information on how to mail in a payment on their website. In their FAQ and other areas has broken links to payment information ( See, under FAQs, Account Overview/Bill Payment/What should I do if I want to mail my payment but I do not receive a paper statement? This link is the only offering of a remittance address and is not active. 

2 ) Does not post statements online. 

3 ) Customer Service email address XXXX is not active. 

4 ) There is not option to make a recurring monthly payment for more than the minimum payment due. 

In my opinion, these are intentionally put in place to make payment difficult and confusing in an attempt to have more accounts default and jump into higher interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point around XX/XX/XXXX, i sent in disputes to the Credit Reporting Agencies. 
I am reiterating that XXXX, Equifax and XXXX are reporting my Private/Public information from my " XXXX XXXX XXXX ID # XXXX '' without my consent, nor have they gave me written notice of what would be reported or what info I wanted publicly reported. ( See Fair Credit Reporting Act ) These agencies are in violation of the Privacy Act as well. 

All information being reported is not information reflected within my true credit report with the Consumer Financial Protection Bureau. As a living breathing Man made flesh and Blood my Credit lies within the " Full Faith and Credit of the United States of America '' as they have made it illegal to possess lawful money. ( See : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Sec. 10, The Coinage Act 1972 Sec 11 & 20 ) These reports facilitate credit discrimination and deny access to the " Full Faith and Credit of The United States '' in violation of the " Equal Credit Opportunity Act. '' Could you please exercise your authority and instruct the subsidiaries and/or Agencies to reflect the " True Credit/unlimted Credit '' that all americans have to live " A Better Life Experience. '' Digital 850 as we rely solely on the legal process and the US Treasury Dept to make the payments on all Principal and Interest incurred by the public/private debts of the people. 

Thank You I appreciate your professional services and I look forward towards your quick and professional response.
Product: Vehicle loan or lease

My account is showing XXXX late payments. I was never told that I was late. No mail was mailed at my location.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a credit card account account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a account number ( private ), and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

See attached Identity Theft Affidavit
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Under FCRA XXXX XXXX Regarding XXXX XXXX XXXX Dear Equifax, I am writing to formally request the method of verification ( MOV ) for the XXXX XXXX XXXX appearing on my credit report, as is my right under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have made repeated attempts to have this matter addressed appropriately, and Equifax has failed to fulfill its obligations under federal law. 

Despite my requests for the MOV, Equifax has returned numerous disputesboth authorized and unauthorizedpertaining to this tradeline, exceeding XXXX instances. This excessive and improper handling of disputes is in direct violation of my rights under the FCRA. Furthermore, I demand that you either provide the specific method of verification used to validate the accuracy of the XXXX XXXX tradeline or remove it entirely from my credit file, as required by law. 

As a result of Equifaxs repeated failure to comply with federal statutes, I am now escalating this matter to demand resolution through arbitration, as provided under applicable laws. I am also seeking compensation for the damages caused by Equifaxs mishandling of my disputes and the undue burden this has placed on me. I am demanding a resolution in the amount of {$50000.00} to address the financial and emotional distress caused by your companys continued non-compliance with the FCRA and the mishandling of my dispute rights. 

Requested Actions : XXXX. Provide a full and complete written disclosure of the method of verification for the XXXX XXXX tradeline, as mandated under FCRA Section 609. 
XXXX. If the tradeline can not be properly verified, remove it immediately from my credit report. 
XXXX. Initiate arbitration to resolve this matter, and provide compensation in the amount of {$50000.00} for XXXX improper handling of disputes and failure to meet its legal obligations. 

Please respond to this letter within 15 days of receipt, as required by law. This is not a Dispute! I demand the immediate submission of all documentation and correspondence for all past disputes with this tradeline to support its subsequent VERIFICATIONS as mentioned above ; as is my right per Federal law. Failure to resolve this matter appropriately will leave me no choice but to pursue legal action and contact the Consumer Financial Protection Bureau ( CFPB ) directly, and other relevant regulatory agencies. 

I look forward to your prompt response and a resolution to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I have written to them regarding the accuracy of my report, but they still have not responded with updating the report and removing the inaccurate information violating the FCRA. They continue to send stall letters requesting the same information that was sent to extend their time in responding.
Product: Checking or savings account

On XX/XX/2022, i saw i had a pending transaction for {$100.00} from a company called XXXX. Never heard of them. so I called chase they cancel the payment and i submitted in a claim. On XX/XX/2022 they revered it and charged my account. they said XXXX submitted in a form with my name and address and a tracking number.. They were going to send me a copy. On XX/XX/XXXX I called back and got the tracking number, the picture of the delivery is not my house, so I called XXXX, they couldnt give me the name on that package nor the address but they did verify that it wasnt my name or my address. I called chase and they didnt care. I went into the office and had XXXX on speaker phone and they said nope that doesnt work. They said I need a letter from XXXXXXXX stating that tracking number does not match my name and address. I called XXXX for over 3 hours and i couldnt get a letter because my name is not associated with the package. I called back chase, they refuse to call XXXX or even on three way. They closed the claim and wont reopen until i give them evidence. I even asked if i send pictures of the house it was deliver to and mine to show they are not the same. They still refuse. I have tried calling XXXX at XXXX i have been calling every day this week no answer or a cb. please help me. i am a XXXX mom and this is alot of money for me. tracking number is XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.


Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a method of verification letter to XXXX, Experian and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.