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

On XX/XX/year> I sent {$2000.00} from my XXXX account to my XXXX via XXXX. The money was removed from XXXX but was never deposited into my XXXX. I called XXXX and they do not have any record of the transaction number. I filed a claim with XXXX on XX/XX/year>, and waited the XXXX to XXXX business days for a response via mail. The letter has yet to arrive. I had to go to a local branch on XX/XX/year>, to have them provide me with a copy. The letter is dated for XX/XX/year>. On XX/XX/XXXX & XXXX I called XXXX again about return my funds and they asked me to provide the name of recipient. I gave them my name and I was told that was not the name of the recipient. They also gave me the last XXXX of the account number and Bank ID, which is not mine. Ive called again today, XX/XX/year>, and was told there is nothing they can do. Ive called XXXX and they can not help me because the transaction was made via mobile banking. Apparently, XXXX does not have access to mobile banking. I was informed by XXXX that someone has removed the telephone number from my XXXX account. I do not know how an unauthorized user was able to do that. I need assistance in retrieving my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX for FCRA and FDCPA Violations To Whom It XXXX Concern, I am writing to formally file a complaint against XXXX, XXXX, and TransUnion for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

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

These accounts are inaccurate are under litigation and under the HIPAA Act. These account needs to be closed. Not only closed but removed from my credit report immediately.

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.

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 an 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.
Product: Money transfer, virtual currency, or money service

" XXXX '' was selling XXXX XXXX mortorcyle handlebars on XXXX. i messaged him being interested in them. i sent him half the money with the other half being sent upon receipt of tracking information. on saturday XXXX he told me he would look into shipping. on sunday XXXX he told me he didn't have the chance onXXXX and would take care of it monday XXXX. on monday XXXX i sent a message for follow up to find he had completely deleted his XXXX. i called chase for the scam and they informed me they do not protect XXXX transactions.
Product: Credit card

I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me.
Product: Credit card

Revvi Card did not properly investigate a card dispute. I disputed that a merchant charged my card after authorization was revoked. They changed my card information without my permission and instead disputed it as fraud when it was not a fraud charge but rather a charge after authorization revoked. They have refused to let me speak to anyone about this unauthorized charge and refuse to refund the charge. I want my card credited and them to properly dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with XXXX to freeze my credit report.
Product: Mortgage

I pay on principal and they are not applying the funds on the day of. 
This is not legal
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an 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 is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) the Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Experian and also complained with the CFPB about the inaccurate hard inquiry reporting by Experian regarding this inquiry, Experian purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Experian lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Experian. Experian not only lied, but did not perform a reasonable investigation into this issue. Experian enabled me to be a victim of identity theft. XXXX XXXX has requested Experian to delete this hard inquiry since XX/XX/XXXX but Experian has yet to comply. Experian needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!
Product: Credit card or prepaid card

I tried to setup auto pay several times on Bank  of Americas  website. I had automatic payment on my account for years and have no idea why it was removed. When I would log into my account it would show that I had a payment due that had to be made. The website would restrict my ability to pay to calling Ban k of Americas phone number. I would call be placed on hold and transfered several times. My situtation would n ot be resolved and I would be told that someone would get back in touch with me to help setup auto pay when some restriction was moved from my account. I went through the process and believed that after several phone calls my auto pay was reinstated. So several months later after I was left to believe that I had auto pay reinstated, Bank of America stated I was late with a payment of roughly {$20.00} ( which was my total balance ). My wife and I are currently looking at houses after having moved to  XXXX  from  XXXX . I called Bank of America to try and understand why my payment had n't automatically pulled from my bank account. I was transferred several times and told I would once again receive a phone call with the company decision i n 2  business days. A week later I called back to find they mailed a letter to my old address in   XXXX   which I had changed on the website and over the phone at least twice. I received a response from a manger named  XXXX   XXXX  that the company did not see this as there problem and would not change the record of a late payment to the credit bureau. Since this will force my wife and I to pay tens of thousands of dollars more in loan interest you might  imagine  I 'm pretty furious. My credit history is flawless minus this recent unpleasantness with Bank of America. I would appreciate any clarity in resolving this issue quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Acct num XXXX XX/XX/XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$69.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XX/XX/XXXX XXXX XXXX {$13000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XX/XX/XXXX XXXX XXXX {$7900.00} XXXX XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XX/XX/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 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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items 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. Please update or remove the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter on XX/XX/2024 to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( 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 XXXX  days before the payment due date. 

Provide proof that a statement with ALL information in section 1637 ( b ) was delivered to me XXXX  days before due date. 

As well youre in violation of the U.S federal law from the complaint I just sent and I will not stop until you remove it. You are not the first company that has removed accounts which is why I know what Im doing will work. You are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 he information is inaccurate.
Product: Debt collection

I sent a letter to Convergent Outsourcing asking for verification of this debt on XX/XX/2020 and have not received a response from them, I have lived at my current address for over 6 years and have never had XXXX services ever, I can provide my monthly statements showing my cable and internet services have been with XXXX for the entire 6 years. I would like to see some proof such as a contract, drivers license, or signature for the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid data that is hindering my file on my Equifax credit report. please update an remove all inaccurate information asap.
Product: Credit reporting or other personal consumer reports

TRANSUNION has my student loans on my report as negative and late payments. They have XXXX on there which I never owed because it was always in forbearance, and now the company isn't even operating and it's still on my credit XXXX as a late payment and that's not accurate. 

XXXX XXXX is also inaccurate as I consolidated all of my loans, and I owe nothing on the loans, this information is all inaccurate. 

XXXX is inaccurate as I have proof that I closed the account and sent over the information to them and the balance is still on my account. XXXX XXXX XXXX states that I owe them and that is also inaccurate information, it is not my account, XXXX in the amount of {$710.00} I have a medical bill on my credit that I also do not owe and have disputed and they still report it as mines. XXXX in the amount of {$830.00} The XXXXXXXX XXXX XXXX XXXX IS also all inaccurate as I have consolidated and this information is not correct on my credit XXXX Please note that these negative marks are found on my credit reports on all three credit unions including XXXX and XXXX as well. The fair credit reporting act along with the local state laws, require fairness on my reports to which they have not been fair or accurate. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the companies that have reported items that I have no knowledge of, I've never cosigned for and never signed up for. I would like to have them investigated and removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion has failed to insure my consumer report is fair and equitable to me at all times. I have not provided any written consent nor a court order for them to furnishing negative information from XXXX XXXX XXXX XXXX for which they are accepting monetary fees to aid in ruining my reputation. They are allowing XXXX XXXX XXXX to harass me on an alleged debt through the means of my consumer report which I refused to pay pursuant to 15 USC 1692c ( c ). This is an infringement of my privacy which constitues as identity theft for using and sharing my nonpublic personal information without my consent or knowledge!
Product: Student loan

Paid student loans to Sallie Mae ( I 'm co-signer for my son ) - XXXX separate loans beginning XX/XX/XXXX. XXXX began XX/XX/XXXX when I paid the installment payments for the the XXXX loans through my banks bill pay system. Sallie Mae lost XXXX of the checks and asked that the bank send photo copies of issued checks to which my bank said it was unable. Sallie Mae requested the checks be voided and reissued. To avoid the problem repeating itself ( lost checks ) I submitted payment electronically in one lump sum for the XXXX loans whose payments were lost. Between the XXXX check for XXXX of the loans they did receive and the lump sum electronic debit for the XXXX loans whose checks were lost, Sallie Mae applied incorrect amounts to the loans. So they applied larger payment to loan requiring smaller payment and applied the smaller payment to the loan requiring the larger payment. Consequently, XXXX loan shows that I 'm behind and the other that I 'm ahead. I 've have spent hours - approximately over 7 hours with countless customer service reps - each time having to hear how I 'm late and need to pay and no nothing about my situation. I was required to send copies of my bank statements to prove I had paid. I have visited with managers who say that they can not redirect already allocated payments. I continue to receive emails saying my account is past due when it is not. It has been over 3 months now and it is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Highest balance {$2600.00} limit on {$2600.00}, Refer to fee dispute under review.
Product: Debt collection

Unknown collections listed requested validation and nothing received. Please help CCS Collection # XXXX CCS Collection # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to demand that they send me documents or bank statements proving the information belongs to me or that it is reporting correctly. The verification process demanding proof or evidence has been ignored consistently and repeatedly thus violating my consumer rights and the FCRA and FDCPA when requesting validation of debt. This has been affecting my ability to obtain credit when I most need it which is my current situation.
Product: Debt collection

Dear Consumer Financial Credit Protection Bureau ; This is concerning : XXXX XXXX  - XXXX XXXX XXXX., XXXX, Wi. XXXX XXXX Account # XXXX I ordered a robe, when it came in it did not fit. So I packaged it up and returned it. I called XXXX  XXXX they acknowledged they received it. All of a sudden I started receiving so many threatening phone calls, letters I mean 2-3 letters a week, 2-3 threating calls per week. All to receive {$31.00} for shipping? I shipped this product my self. 
I got on XXXX  and filed a dispute they said it was taken off my credit bureau, Yet I'm still receiving threating letters. This is starting to hurt my credit. Yhey are saying I missed 3 payments. This has got to stop! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX. Please delete.
Product: Debt collection

Amount was paid in full in XX/XX/2020. A representative of the debtor concern acknowledged same. Collection agency has reported this incorrect information 5 different times, XXXX, XXXX, XXXX, XXXX, & XXXX to credit bureaus thus dropping my score with each submission
Product: Debt collection

I had money taken without my knowledge out of my bank account in XXXX by my my adoptive parents whom I'm in a legal battle with over more than just the money they stole, right before I had a few bills due, they left me for dead barely able to survive and quite literally displaced for 7 months where I was severely malnourished due to lack of available food. 
I contacted the first debt agency to explain this and I thought they understood. I'm trying to say this in court in XXXX to have the debt transferred to my parents who's only goal was to ruin my life because they are XXXX XXXX and extremely manipulative. 

I was contacted by Halstead financial services by email with the title, five minutes or less to get this resolved ... what's that supposed to mean. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX anything to protect myself and now I have to worry about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX Data Breach in attachments below.