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

please be advised this is the 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 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 verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly but have not provided a reasonable method of verification? I m requesting for the third time that you provide the method of verification you used. Your response should provide. The name of the individual business, address, and telephone number of the person or business contacted during your investigation. The name of the person who verified the dispute with the original creator. The documentation that used to verify dispute. To date, you have not provided me with a copy of any documentation ( hard evidence that goes all the way to the original creditor, not verification from a third party database ) furthermore, you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). In fact, under section 611 ( a ) ( 7 ) you required to provide a description of the reinvestigation procedure by no later than 15 days that included information as described in section 611 ( a ) ( 6 ) ( b ) ( iii ). please be advised that under section 611 ( 5 ) ( a ) of the fcra you are required to promptly delete all information which caint be verified. The law is very clear as to the civil liability and the remedy available to the ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend in this matter to enforce my rights under the fcra. I demand the following accounts be verified or deleted immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all hard inquiries.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : CURRENT # XXXX Account name : DPT EDXXXX # 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 report agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

iI have a mortage with Bank of America for 30 years fixed. I made extra payment to payoff the mortage but the money is held in an escro account. I made several attempts to resolve the problem but noone pays attention.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Debt collection

I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some incorrect addresses. I found your website and have enclosed proof of my current address as required. Please remove this Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

Dealership FORGED my signature in an authorization from the car loan so they can sign in my behalf which I never give any authorization to do that. They did a contract with the bank WITHOUT MY CONSENT and AUTHORIZATION and all the information in the contract is wrong NAME, ADDRESS, PHONE NUMBER and the BUYER is not even in the contract. I have been trying to fix this with the lender and dealership but nobody helps me and dealerhip refuses to give me any documents or information they always says they sent the documents by mail but how we are going to receive documents if they did everything wrong. And I make a report with the police because dealership refuses to give documents REPORT ON : XX/XX/XXXX  ( XXXX  ) I want to cancel a contract that I never agree and that I never signed. Also, Lender refuses to help me even though I made a formal complaint with them, they said they can not cancel the contract, I try to fix this problem because the person who is the BUYER is other person. The same day when I explain to the Lender that I never signed any authorization they repossed the car without investigate. Now, they are sending me letter saying I have to pay for a car they will send to an actuion. I report them with XXXX  thinking they will help me but they did not... I really need help please ..... I listed the documents from # XXXX to XXXX # you can read it easily
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX account hacked, stolen tracking numbers, headache. 

Someone hacked my XXXX account on XX/XX/2022 and made three large fraudulent " spoof '' purchases ; {$880.00}, {$880.00}, and {$990.00}. The seller account which has since been ghosted is XXXX. What I mean by spoof is that the items were never shipped, but show as delivered because the seller/hacker provided stolen/duplicated tracking numbers that correlate to XXXX purchases that were delivered to my city. When I reach out to XXXX, they say they can't help me because I have filed a dispute with my card, which I have. I went to XXXX claims and was able to get detailed tracking info for one of the tracking numbers showing XXXX as the shipper, and someone else as the recipient. XXXX cancelled my claims on the other two tracking numbers, and when I called I was told that because XXXX was the shipper, I needed to reach out to XXXX for more information. I tried to chat with a rep for XXXX, but they would not provide me any further information. The reason I was told is due to security issues. When I try to contact Citi, I am told they don't see this dispute in their system, but then if I push them further I am told it is under fraud investigation. I have not been issued a security credit on these charges, nor have I been told when I can expect a resolution. Very frustrated with automated and unhelpful service when dealing with this scam on my card.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING : XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

TRANSUNION : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I am filling 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 these violations.
Product: Credit card or prepaid card

I received money from an insurance company because I was in a car accident and they transferred the money to my Venmo account. Venmo verified my identity and then froze my account. They don't have live representatives to talk to and I don't know what to do
Product: Debt collection

I disputed this collection since its not a debt that I took but I didn't hear back from the company
Product: Credit reporting

This is in relation to cfpb # XXXX. As i have made every effort to resolve my issues with erc in relation to the account that had been missused by my former roomate. As stated in the provided documents the deletion took place on approx XXXX, XXXXhowever it was re inserted 2 days later ( with no 5 day notice from Transunon ) this was apperently because i disputed thus it was re inserted having learn this was not the proper thing to do. After being made awere of this I stop the dispute process after the last correspondence with cfpb in relation to case XXXX on XXXX with the assumption the account will be removed from the tradeline as it has been with the cra both XXXX and XXXX.In addition a certified letter with the documentations has been sent to Trans union signed for on XXXX. This has gone on for over 30 days with no resolution in sight thus this action to the CFPB. I hope after the review of the clear intention to be remove the files dated XXXX XXXX AND XXXX XXXX BY XXXX, but it still remain on transunion tradeline causing me to spend much time and effort for something thats prety black and white.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. 
Clerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. 
Inconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I filed a dispute with Experian on XX/XX/XXXX Report # XXXX. The dispute was denied, and the information now being reported on my credit report is incorrect. The date of the last reported payment is XX/XX/XXXX according to Experian. The card was opened with the original creditor on XX/XX/XXXX as reported on my credit file by Experian. The debt was sold to XXXX XXXX XXXX. 

I received the results of my dispute with Experian on XX/XX/XXXX which stated the debt collection account would not be removed and was correct as being reported. 

I complaint today to the CFBP is my credit report was updated to statethe about debt would I be removed until XXXX!!!!!!!!! NO WAY ... this should be removed after years of being reported and I would like for my credit file to be update with the correct expected removal date so I may monitor its removal. I would also like a debt validation mailed the as I believed this account was opened prior to XXXX. The should not be a case where the debt collector or the credit report agency is " RESETTING THE CLOCK '' as a result of me reaching to inquire about the accuracy of my credit file. This a is a complaint against Experian and XXXX XXXX XXXX. 

Original Debt Company : XXXXXXXX XXXX XXXX Sold to : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to redispute this issue but they denied my ability to dispute this. It was a medical bill that was billed incorrectly and insurance refused to pay. I have medicare and XXXX XXXX supplement G. I have no copays. they want me to pay the xray charges, I told them that is why I pay for a supplement G so I dont have these bills to pay. I found out the reason medicare and XXXX XXXX doesnt pay is because it is not read by a radiologist so it is not considered a medical procedure, I should not have to pay this and it was turned into the credit bureau and hurt my credit alot. this will increase my insurance and my interest rates.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my consumer report. Account # XXXX I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Product: Credit card or prepaid card

I recently registered point back app called XXXX. I can get point if I spend with linked credit card. Since Capital One is blocking customers ' access to their own data through third party ( XXXX ), I can not get point at all. I want to let Capital One know that I wish to have this access granted.
Product: Mortgage

could no longer afford payments on my condo. Equity lost XXXX %. Could n't sell it, rent it and I am XXXX and could not live alone anymore. My income was cut in half. Neither Chase or XXXX would talk to me about modification so I could keep the condo. File a Chapter XXXX XX/XX/XXXX. Discharged XX/XX/XXXX. Surrendered the house to Chase at their request in XX/XX/XXXX and did a Deed In lieu of Foreclosure XX/XX/XXXX. Ever since I get harassing phone calls all week and at tleast XXXX letters in the mail a week. My health is suffering over a condo I do not own anymore. Moved out XX/XX/XXXX. Chase and XXXX are harassing me even after I filed a Chapter XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I used Cash App to pay a down payment for a puppy in the amount of {$150.00}. I have the text log communication of the whole conversation with the " owner ''. As soon as I paid the deposit, they did not respond again. I sent follow ups and a deadline to respond by before I attempted to reach out to the CASH app support to inform them someone is using their product to scam/defraud its customer base. 

After no response from the " owner '' once the deadline was past, I contacted CASH app support. They then told me there was nothing they " could do '' even though I have such a clear cut case of their product being used for illegal purposes. 

I have had to open a dispute with my card company as well as work on filing a police report in order to actually make a move to stop this type of work. It's awful to see a company allow someone to use their product in such a way and respond to someone with a variation of, " Oh well ''. 

It's awful to think the honest people are the ones that get hurt with an app like this, while criminals are allowed to roam free without a second glance.
Product: Mortgage

Citizens Bank charges {$250.00} to subordinate a Second Mortgage which is fine but they will not allow the borrower to pay the charge within the closing documents and the borrower can't pay directly. It can't be shown on the LE as a borrower-paid charge per Citizens. the charge must be paid by the lender or the broker which is me. So I'm having to pay a fee that isn't on the LE out of my own pocket which seems a violation of the law. I've attached the 1st page of their instructions stating the fee and who is to pay and how it can't be on the Loan Estimate.
Product: Checking or savings account

I have been with Navy Federal for over 5 years, and it have been times when my account has been low and instead of blocking transactions. They allowed it to go through and I was charged overdraft fees that could have been avoid if my card had been declined or the payments would have been blocked. It was so bad that and so many fees at one point that I asked the bank teller to show me how to put overdraft protection on my account and she gave me some excuse and said I could not add it because they did not offer that service at the time. I had to make sure not to have any of my bills on auto pay moving forward because the overdraft fees were out of hand and outrageous. I do everything that I can possibly do to make sure that I have enough in my account to avoid not being charged those ridiculous overdraft fees. I even have to hold off on paying certain bills to make sure I do not get charged by Navy Federal Credit Union, XXXX dollars over will cost XXXX dollars, more and more.