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

I am filing a complaint against Cash App XXXX Block , Inc . ) due to in adequate 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 underthe 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

I received a rewards check from HSBC Bank dated XX/XX/XXXXXXXX Since then, they have sold my account and others to another bank, so my account with them was closed. 
I have been XXXX XXXX XXXX XXXX XXXX XXXX early last year and was unable to deposit the check before it expired 6 months later. 
I called HSBC on XX/XX/XXXX and was told they would reissue the rewards check. When I still hadn't received the check by XX/XX/XXXX, I called back. The lady I spoke with said that she saw a note in my account, but no one had done anything about it, and she said she would call me back in a day or two, but I never heard back from her. 
I called again today on XX/XX/XXXX and was transferred to the Rewards department, but since my card is no longer active, I couldn't make it through the automatic menu to talk to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reviewing my Trans Union Credit Report and there is a fraudulent account reporting on my credit report that is not mine. This is my first time in years checking my credit report. 
Below is the fraudulent account that I would like to have permanently deleted from my Trans Union Credit Report : 1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Most recently letter sent XX/XX/22 requesting removal of incorrect accounts and personal information the credit companies are not complying with their own policies in a timely manner.
Product: Credit card

I have made 2 purchased using my chase freedom unlimited card ( XXXX {$540.00} on XX/XX/year>, XXXX {$370.00} on XX/XX/year> ) through 'Shop through Chase ' Portal. Based on Chase 's online information, I was supposed to receive about XXXX points/dollar bonus points from these purchases, however, I've never received them. 

I called chase 's customer services for several times : 1, 1st time I called, they said they saw it went through and I just needed to wait.

2, 2nd time I called them ( still didnt get the bonus point after 1 month ). They said there was no bonus points unless purchase for travel and they kept asking me to read the agreement again.

3, 3rd time I called they said they would take a look.

4, 4th time I called they said they would take a look.

5, 5th time I called they said they want to contact supervisor but the call ended and please wait for next for next available customer services forever.

Ive used purchase through chase for many years, and I dont need to re-read the agreement to confirm it. 
I also have browser record to show that I visited XXXX and XXXX from Chase portal.
Product: Money transfer, virtual currency, or money service

I was scammed by a company pretending to be XXXX XXXX XXXX going out of business, when I checked the company via email they told me that they do not have my order and that it was not a legit company it was a fraudulent transaction and I never received the items either, I messaged and disputed through cash app and they blocked my card and they can not tell me any information and will not give me a refund because all they do is read from a script they don't know how to do anything else, I provided them with the proof and they did not look at the proof I don't know what they look at they just repeat themselves over and over and over, they blocked my car like I was the problem when I was trying to get assistance from them
Product: Money transfer, virtual currency, or money service

The scammer called me from a XXXX XXXX number ( XXXX ) XXXX afternoon on XX/XX/XXXX pretending to be XXXX XXXX Police. They said that I had missed jury duty and that they had a warrant for my arrest. The said that this was a courtesy call and to turn the criminal resolution into a civil one, I would need to post {$1000.00} in collateral. They told me to send verifying documents to XXXX and XXXX them at XXXX, which was listed on XXXX under the name XXXX XXXX.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with XXXX XXXX XXXX XXXX XXXX and this company updated my XXXX  and XXXX  payment status to CURRENT and PAYS AS AGREES. However, when I spoke with the original creditor or XXXX XXXX XXXX XXXX XXXX, my account manager explained that they sent electronic notification to XXXX, XXXX, and Equifax on XX/XX/2020 to update my account status to CURRENT and PAYS AS AGREES. I advised her that XXXX  and XXXX  did update my record accurately, but Equifax has NOT updated my records at all. I have previously provided Equifax with two letters disputing the late payments regarding the XXXX XXXX XXXX XXXX XXXX account and they refuse to do so. 

I asked my account manager to provide me a copy of the notification they sent to all three bureaus dated XX/XX/2020. I have attached a copy of my email communication regarding this concern with XXXX XXXX XXXX XXXX XXXX. 


Thanks
Product: Checking or savings account

I moved from XXXX XXXX to XXXX XXXX XXXX on XX/XX/2021. Before I left XXXX I went into the XXXX XXXX to let them know I was moving to XXXX and opening a local bank account. I informed them that the account would remain open until I could get mine and my wife 's direct deposit changed along with my auto pays for many accounts. Once everything had been changed and cleared I transferred the remaining balance to my new bank in XXXX. I was never contacted by anyone at Key Bank after that until now I received a collection notice from XXXX XXXX XXXX stating I owe {$150.00}, {$50.00} per month for the last XXXX months. I spoke to Key bank home office today. They spoke to the collection agency who said they would have to contact the branch. When they contacted the branch, they said they could not refund the {$150.00} fees because there is no account to credit them to. They really don't need an account they just need to write them off because I did everything I needed to do to close the account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$870.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I can't understand why this is happening, but this morning I noticed some wrong accounts showing up on my credit report. I checked it as I always do, but this time there were discrepancies that came out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The wrong accounts are still there, and Im so confused about why this happened. I'm begging you to thoroughly check the documents I sent so I dont have to keep worrying about this anymore.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. 

As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. 

I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. 


I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.
Product: Debt collection

Bank of America has violated the FCRA and CARES ACT 2020. I had a credit card with Bank of America, and during the pandemic I experienced several hardships. I requested for them to help with managing and restructuring the debt, however they sent the account to collections, and now they are suing me for {$42000.00}, most of which is interest. It is negatively affecting my life and ability to receive any sort of funding and help.
Product: Mortgage

During the closing process on our mortgage today (  XXXX / XXXX /   2017 ) with First American Title Company I requested to see and read all documents that my wife and I would be signing. I was informed by the title representative that she w ould not be able to provide all of the documents to me to peruse as 'we do not have enough time today '. She told me all of the documents would be copied and provided to me post signing to read, but I believe that would be somewhat misleading as if I have a complaint about the documents I have already signed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this  information and should be deleted from my credit report.
Product: Checking or savings account

On XX/XX/2018 I made a withdrawal of {$200.00} at the counter from my checking account knowing my balance was {$1200.00}, this took place at bank of America. Then on the XX/XX/2018 i went to another branch of bank of America to make a withdrawal and got to find out the money in my account was insufficient which was a shock to me and after explaining to the clerk i was expecting to have {$1200.00} in my account. Then he printed out my bank transaction history, which was wrong and told me I had to go back to the bank where I made my last transaction of {$200.00}. Which I did on that same day but when I met with the manager and made my complaint, I was told I needed to come back in two weeks time because they had to do some internal investigation. Then I went back after two weeks and met another lady by the name of XXXX XXXX, but she said the investigation was still in process, gave me my case ID and extended the date to XX/XX/2018. So i went back on XX/XX/2018 but got the same answer that my case was still in process. Then I tried calling Bank of America on XXXX and after some couple of weeks nothing has been done and no one has gotten in contact with me.
Product: Credit reporting

I have called TransUnion several times. My health insurance paid a bill that is on my report as collection. TransUnion does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and one time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.
Product: Credit reporting

XXXX was paid off and the last toolbox was voluntary return and the gentleman took all my tools that I had already paid for on previous account that was paid for
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX This account is listed inaccurately amongst all XXXX credit bureaus. The " Date of Last Activity '' is showing a different date each for XXXX, XXXX and TransUnion. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of false and inaccurate information from the LexisNexis database. This information was posted without my consent, and I have already made attempts to resolve this matter directly with LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian and XXXX SEVERAL TIMES THE PAST WEEK asking them to remove ALL fraud alerts and to remove ALL personal statements. I need all 3 companies ( Experian, XXXX, XXXX ) to remove ALL personal statements and ALL fraud alerts. I did not authorize these!
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As XXXX XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX XXXX collection : XXXX XXXX  XXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX  XXXX XX/XX/XXXX {$4700.00} XXXX  XXXX XX/XX/XXXX {$8300.00} inquiries : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion seems to have had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted with additional inquiries i do n't recognize to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. I have reached out to TransUnion and was told I need to create a Police report and fax it to their Consumer Department. I do n't understand why I would need to provide a Police Report to an internal error they had. My credit score Fluctuated from a XXXX to XXXX up and down. I need this corrected ASAP. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Police Inquiry # XXXX
Product: Debt collection

Convergent Outsourcing wants me to call a phone number about a debt. I have no debts. That company 's phone number in the message was  XXXX .
Product: Debt collection

CONVERGENT OUTSOURCING put a collection on my credit report I called them and they couldnt verify the account I told them to remove the account and they wanted my social security number and drivers license info