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

I am writing to follow up on the ongoing issue regarding the fraud items. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our multiple round of dispute regarding this issue, it is imperative that immediate action is taken to address and delete the items. The continued presence of fraud items not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. 
Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that these items in a timely manner moving forward. With this, I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm in the process of buying my first home and I went to review my Consumer Report with XXXX to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my XXXX, XXXX, and Transunion Consumer Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Product: Mortgage

This is a follow-up to complaint XXXX, as we did not receive a response as indicated in the CFPB online portal. 

We called the CFPB in XXXX to check what was going on and were advised to call XXXX to resolve the matter. We've called and left messages multiple times, including both our home and work phone numbers, as well as the initial complaint number and have yet to receive a response. 

At this point, in an effort to resolve this matter, we will agree to sign their document in order for Northwest Bank to return the {$3000.00} we over paid on interest on funds that were never borrowed. 

While not fully satisfactory, we are not looking to make this more complicated than it needs to be. 

Here 's hoping we can come to a quick resolution, so we can all move on. 

Thank you, XXXX XXXX & XXXX XXXX
Product: Checking or savings account

XX/XX/2024 i went out with some friends to a dinner place and everyone at the table split the bill i had card and wanted my portion to be paid with the card however it was an error where they charged my card for XXXX instead of a XXXX dollars. I called the establishment several times and spoke to different person receiving the run around saying a XXXX will call me back. 
I ended up calling M & T and asked to speak to a dispute team and they dont have one. 
M & T regular customer service representative said she filed a dispute. I ended up receiving something in the mail to provide proof i sent them the full detail receipt and everything. I called M & T to make sure they received my correspondence they said they didnt receive anything and the dispute was gon na be closed because they didnt receive anything. 
I then told them it was impossible because i mailed it right back. Ill give them another week to update their records. I then called back roughly XXXX business days after to ask did they receive correspondence and the representative put me on hold and said they did receive it. I informed her when was M & T was gon na inform me of that because when i just called the representative said yall never had it. 
She replied very rudely and said well its closed now and we wont be reopening the case whoever owe you needs to pay you. 
I simply replied excuse me? Nobody owes me but the restaurant and i tried to resolve it with the restaurant but no one will return my call.
Product: Credit card or prepaid card

The Rewards from the XXXX XXXX issued XXXX XXXX XXXX do n't actually redeem. I have n't been able to redeem the Rewards towards purchases to date, every time I have tried to redeem the Rewards online or in store, the Rewards is always empty or not available to use. The reps tell me the money is there and available, but when I try to use the Rewards no funds are actually there. I 've tried to resolve multiple times via email, phone and in person. It 's false advertising that Rewards are issued but not able to be redeemed.
Product: Vehicle loan or lease

This is the third month in a row where I am receiving my statements 10-20 days after my due date. The problem that i had is my first payment i was almost late and would have had a credit reporting issue if i did not do some research of when my payment was due. I do not feel that financial bussiness should be able to hit your credit for late payment or assess a fee if you do not receive your bill that is due. It is not fair where the financial companies have no negative impact on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified and unvalidated accounts have been placed on my consumer credit reports in violation of the FDCPA and FCRA. I do not have a relationship and/or signed contract with Sequoia Financial Services XXXX I did not give written permission to have my personal and/or medical information furnished to these third party debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card bj comity bread financial services report inaccurate information on my credit report. late payment. the company website dont work always report due to it difficulty the system is down. unable to make a pyment. 


Copyright 2022 Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. 
Credit card offers are subject to credit approval. Cash back is in the form of electronic Awards issued in {$10.00} increments that are used at checkout at XXXX 's and expire six months from the date issued. Must contact XXXX 's XXXX XXXX at XXXX to request cash back in the form of a check prior to Award expiration. My BJ 's Perks Mastercard and My BJ 's Perks XXXX  Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. XXXX and the XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. XXXX ( TDD/TTY : XXXX )
Product: Checking or savings account

I ordered merchandise from online store XXXX on XX/XX/2020 using my chase debit card for {$4700.00}. I was suppose to receive the merchandise on XX/XX/2020 which I didnt receive. I contacted XXXX multiple times, but they straight away refuse to help me with the issue. After which I contacted chase bank to file a dispute since merchant refused to help me. Filing a dispute is my right as a consumer which was there when I signed the contract with chase bank, but they also refused to file the dispute. They even refused to help with it. I filed complain previously also with CFPB XXXX. After which I was advised by one of your representative that I should file a dispute again with the dispute department with the bank and they'll help me with it. When I filed the dispute again with the dispute department they refused to help me saying that this dispute has been previously closed and can't be filed again.
Product: Credit card or prepaid card

I am inquiring about removing a few late payments off my credit report. During XXXX of XXXX, I had emergency XXXX XXXX XXXX causing me to miss work for 8 months or so, my Income was severely reduced causing me to fall behind on my payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX and XX/XX/XXXX and 60 days late XX/XX/XXXX and XX/XX/XXXX ... since Ive made every payment on time and have never had an credit issue previously or after those dates. If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated. I take full responsibility for the lates and have set auto payments to avoid any further incidents.
Product: Debt collection

Ability Recovery Service at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$2800.00}. This collection has been reported as a pass due balance. I do NOT know this company. I have never done business with this company. This company does NOT have a contract with my signature.
Product: Consumer Loan

XX/XX/XXXX I purchased a vehicle through Drive time located in XXXX Virginia. I 've now realized that they had never placed me on credit report showing that I 've been paying on time I do n't even show them as A creditor I am paying through as an auto. Fact my credit report is showing I do n't have an auto loan active. I called on XX/XX/XXXX and spoke with Drive time representative. She informed me they were having problems trying to post with Equifax for people who have had bankruptcies. he informed me they been working on it and hopefully it will be resolved within 2 to 3 months. Informed her I have been paying on this loan For almost four years. Told me to call back then, see if it 's been resolved.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I found out that my Chase banking account was locked when I tried to log in via mobile app around XXXX pm on XX/XX/2022. The message was saying " We locked your account due to unusual activity. Call us to unlock it ''. I immediately tried to log in my account on Chase.com website but got the same message. So I called the provided number XXXX right away. The first operator told me that he needs to direct me to another department. After the call was redirected, I was put online for 12 mins without answer. So I have to hung up and called in second time at XXXX pm. I talked to different operator this time. She told me she found a flag in my account. The flag said Chase identified a cyber security issue when I used my device and asked me the run anti-virus software and called them back to remove the flag. I was very confused as I use app installed on XXXX. I never heard that anti-virus software. I told her my confusion. She told me that she would have to transfer my call to another department. So my call was transferred to different place. Very frustrating, I had to hung up after 24 minuets waiting without response again. I then called the 3rd time. The similar story happened and even more frustrating. This time, my call was transferred to twice. My call was transferred to Fraud Prevention team after 30 mins waiting. But I heard the voice message saying " the department is currently closed ''. So it ended up nothing after more than 1.5 hours waiting and transferring back and forth. I called Chase again in the following day on XX/XX/2022. I started calling at XXXX pm. My call was transferred to Fraud department again. But after several back and forth, I didn't know where they transferred my call. But no one could help. I had to call again after 30 mins waiting. This time, the operator put me on hold for 1 hour 12 mins and never came back to me. As seen, I called Chase for two days and was put on hold without response for half day. I can't see my accounts and I don't know what happened to my account either. I lost the control of my own account. Until now, the problem wasn't really addressed after 48 hours since I identified the issue without notifying from Chase. Very frustrated as a loyal customer with Chase for more than 10 years. Now I am wondering if my confidence with the largest bank in U.S. is fading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOW DONE THIS 4 TIMES AND THIS IS NOT ACCEPTABLE BY ANY MEANS!! 

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF and this is the FOURTH complaint I have filed since XX/XX/XXXX due to your delays and claiming you need authorization which I have already clearly given in the past complaints filed! There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was submitted to you on XX/XX/XXXX and I never received any reply. I then sent a 2nd dispute on XX/XX/XXXX ; which still resulted in NO responses from the bureaus! So I sent a 3rd dispute on XX/XX/XXXX. I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is now the 4th complaint I have filed since XX/XX/XXXX because you keep claiming you need authorization which if you see the FIRST line of my complaint, I am clearly giving!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX, Equifax and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XXXX Last 4 ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. Account name : XXXX Account name : SYNCB/BRANDSMART Account number:XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX XXXX XXXX  I have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX5 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The ConsumXXXX reporting agencies Equifax XXXX XXXX and the financial institution do not have my consent nor my written consent to present this information. XXXX5 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states 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.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Debt collection

This is XXXX XXXX with new & updated information about my recent complaint XXXX. LVNV Funding/ Resurgent Capital Services still failed to send me verification- ( sworn under oath 28 USC 1746 ) of this alleged debt as requested. LVNV Funding/ Resurgent Capital Services compiled with 15 USC 1692c ( c ) but still failed to comply with 15 USC 1692c ( b ) & stop all communication with third parties- XXXX, XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the Equifax data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Jefferson Capital Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Jefferson Capital Services has handled my credit information. 


It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ). 


Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 


Moreover, I insist on Jefferson Capital Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 


I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 


Done in good faith.