23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Please see the attached transaction history. The transactions highlighted in red were not made by me. My Discover credit card was lost, and I didn't make any of those purchases nor did I go to those stores. All of my purchases were made online, so I didn't need a physical card with me, and I didn't realize that my card was missing. I reported those transactions to Discover as soon as I found out on XX/XX/XXXX. They sent me a new card a week later. Two months went by, I called Discover on XX/XX/XXXX to check on the status, and they told me that the fraud investigation had been closed, and they did not have a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account reported in the file maintain under my social security number. 
I was informed that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the Fair Credit Reporting Act, they are required to notify me of the reinsertion in writing within 5 business days. I received no such notification. They are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was released from XXXX XXXX XXXX a Pennsylvania XXXX XXXX, I've been in continuous XXXX  since XX/XX/XXXX. 

On the same day as my release I called the 800 number to request my free annual credit report from all three credit reporting agencies. 

On XX/XX/XXXX I received my credit report from Experian ( see attached document Experian Report # XXXX dated XX/XX/XXXX ). 

After carefully reviewing the Experian credit report I discover that there was an account in collections under XXXX XXXX, I immeadiatly became concerned because I have no idea who XXXX XXXX is and what do I owe to whom. 

So as I mentioned above I've being incarcerated for 65 months Since XX/XX/XXXX, when I came home in XX/XX/XXXX I found hundreds of collection notices fro XXXX XXXX, I called the number provided on the collection notice and asked them what they were talking about, the agent didn't seem to be listening to anything I was saying because all they wanted to do was get me to admit to a debt was mine. 

On or about XX/XX/XXXX I disputed with Experian the information they are reporting specifically XXXX   XXXX account ( see attached Dispute results XXXX dated XX/XX/XXXX ). 

So then I consulted with a an attorney who advised that we should have XXXX XXXX validate the debt, since I was just released from prison I could not afford the attorney. So I had to to everything on my own. I sent XXXX XXXX a debt validation letter via certified return reciept mail ( see exhibits as attachments of debt validation sent to XXXX XXXX ). 

XXXX XXXX never responded ( within the 30 days from receipt of ) to my XX/XX/XXXX debt validation request. 
Experian was put on notice of the Non response. 

Experian continues to report this un-validated debt even after it was disputed several times and also put on notice that there was a non-response by XXXX XXXX to the debt validation request. 

All validation request documents were provided ( via certified return receipt mail ) to Experian with copies of all accompanying documents sent to XXXX XXXX ( see attachment non-response Letter sent to Experian dated XX/XX/XXXX ). 

Shortly after receiving the above mentioned dispute results I formally requested a re-investigation through the Experian website, soon there after I received the first of four ambiguous, undated and, unsigned post card responses ( see 4 attached post cards scanned front and back ). 

On or about XX/XX/XXXX, or XX/XX/XXXX I once again disputed the XXXX XXXX information with Experian ( see results report XXXX dated XX/XX/XXXX ). 

In conclusion the alleged debt was challenged by me to Experian and the dispute results are in error. 

XXXX XXXX has acquiesced that a a valid date exists by not responding to my debt validtaion request of XX/XX/XXXX. 

Experian is aware of XXXX 's non-response but continues to report even after I requested the item deleted due to the non-reeponse.
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 violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and unproductive, as they did not comply with errors resolution requirements under the Electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Prepaid card

On XXXX XXXX, 2015 I checked my American Express Serve Card balance and had approximately {$380.00} dollars available. This was to be used to pay a bill so on Monday, XXXX XXXX, 2015 I checked my balance again so that I could withdraw the money to pay my bill and my available balance was {$9.00}. I immediately called American Express Serve and explained to them that for some reason I only had {$9.00} available when I should have had {$380.00}. I saw that there were XXXX transactions for {$120.00}, {$120.00} and a pending charge for {$120.00}. They all were from XXXX. I requested a fraud dispute document. I explained on the document that I did not make the charges and did not authorize anyone else to make them on my behalf. 

However, a couple of days later I received am email from American Express Serve that they had done the following:1. Closed my account. 
2. Determined that the charges were valid. 

I again called American Express Serve and asked them how they came to that determination especially since I did not charge anything from XXXX, and did not authorize anyone to do so. Afterward I was told to read paragraph XXXX of the User Agreement. Upon doing so, it gave me no information regarding fraudulent transactions, or how I would get the money back that was taken from my account. 

Furthermore, the email that was sent to me said I Could request what information lead them to determine that there was no fraud. However, when I called Amex Serve they kept referring me to paragraph XXXX and no help regarding what they found or how I will get the money that was taken from my account.
Product: Mortgage

I requested and was granted a loan modification from my Mortgage Servicer - Specialized Loan Servicing XXXX SLS XXXX. in XX/XX/2015. At the time my mortgage payment was {$1400.00} at a 9.0 interest rate. I desired a lower monthly payment and lower interest. Once I made the XXXX trail payments of XXXX. I was granted a permanent loan modification ( XX/XX/2015 ) with monthly payments at {$1600.00} with no lowering of the monthly mortgage or interest rate in fact, XXXX increased. Which has caused a hardship with me paying my other monthly bills.
Product: Mortgage

We applied for a home mortgage refinancing with BoA XX/XX/XXXX. After we locked in a market rate, they continually reappraised our home. They continually rejected appraisals until they received a low appraisal and then charged us {$6300.00} of closing cost points because we had become a " high-risk '' asset mortgage. 
The appraisal they eventually accepted was XXXX - XXXX % below the other appraisals that they rejected until they received one appraisal that forced us to pay points. Since interest rates increased over loan processing time, we had to pay the {$6300.00} of points. 
BoA said they have no influence over appraisal selection due to Dodd Frank, but they kept rejecting " independent '' appraisals until they found one low enough to force us to pay points. 
I spoke to the appraisers whose appraisals were rejected and they told me the appraisals were over XXXX % higher than the one low-ball that BoA eventually accepted. From BoA here was no explanation of the rejections, only constant streams of appraisers flowing through our house until they finally found an appraisal XXXX % below market that forced us to pay points. I tried to speak with BoA management. They never called to explain the multiple rejected appraisals or the assignment of points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid
-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers
Product: Credit reporting or other personal consumer reports

The account listed on my report with XXXX XXXX XXXX, ending in XXXX, has accessed and misused personal information and has not removed the account per our prior agreement to do so with payoff. In accordance with The Fair credit reporting act This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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

Due to the mishandling of personal data held in both Experian and XXXX databases I request that all negative information be purged from my credit report. I was not notified that the break happened nor did they do anything about protecting my personal information. The information on all 3 bureaus is not accurate. Neither company contacted me about what happened nor offered any kind of monitoring or compensation for the breach
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX XXXX  falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus. 

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law.

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Transunion never Conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Original Creditor This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX. I do not have any contract with XXXX XXXX XXXX. 
According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

Issue1 : I requested XXXX XXXX to close my account and refund money on XX/XX/2021. Account is neither closed nor I have received my monies. I call almost everyday and each time I was told that it would be resolved the next day which is never ending. Yesterday, I was told that the review would be completed this morning and I should have an answer but, when I called a few minutes ago, account is still under review and they were not able to provide a status. This account has been under review since XX/XX/2021 by these incompetent unprofessional firm. 

Issue 2 : I made a cash deposit and a check deposit at an ATM but my online account activities didn't show check deposit. I contacted XXXX XXXX, they said it could take up to 3 days to show up this deposit in my account but it still didn't show after 3 days so I contacted the check payer who moved funds from his account since we didn't know where the check was. On XX/XX/2021, XXXX XXXX blocked my online access. 

The amount I entered above is the approximate amount since I do not have access to the account to check balance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. CXXXX XXXXg ( XXXX ). According to, 15 U.S. CXXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have not been able to access my free annual credit report through : XXXX  Transunion I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.
Product: Credit card

On XX/XX/scrub>XXXX  I was given a certified mail for civil complaint about a credit card in XXXX that was opened and maxed out. I live in XXXX, PA and have been at the same address for over 20 years. I did not open any account in XXXX  or any other states. I have never heard of Synchrony Bank. The amount charged on the card that was taken out was XXXX  dollars. I never received a bank statement or notification of this account opening.
Product: Money transfer, virtual currency, or money service

There was a account made in my name that I did not do useing my ss number and everyone of my stimulus checks where put in the account and when I called them they said the could not give me no information on the account due to the fact the account was not in my name and I have been XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the fact meto online bank just lets random people steal people identity and me and my family have suffered so much XXXX XXXX XXXX XXXX XXXX because I couldn't work and had no money and to support use and I couldn't prove that I was who I am and I didn't even find out until XXXX and it is already XX/XX/XXXX and still yet I have not received anything I am a XXXX XXXX XXXX man that is going through XXXX because I couldn't take care of my family and I am still trying to find a job and home for me and my family and that way my baby boy can have a place to come home too so with that being said I Will never trust meto Bank with anything that belongs to me that bank can't protect no body identity or money XXXX how can you trust meto Bank when they help people steal who you are and all you have to your name and cost you your way of life and hope
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX   ) account XXXX XXXXXXXX, ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( {$420.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ) In reference to the above that these listed accounts be validated per pursuant to 15 USC 1692 et seq. of the Fair Debt Credit Collection Act ( XXXX ). You have violated my health information privacy rights, and/or committed another violation of the Privacy Security or Breach Notification rules. I never gave permission to share my information with ANY third party, I am aware that HIPPA does allow limited information regarding me, but ONLY can be revealed with my written authorization. I did give any written authorization to release any information to my credit report.
Product: Credit card or prepaid card

XX/XX/2019 I went to one of Bluebird money pass a bank where I have been going for the past 6 years and was recommended to me by bluebird to avoid atm fees as I inserted my card to withdraw {$400.00} transaction was ok and then reinsert my card for an additional {$100.00} the machine gave a receipt stating my transaction was invalid so when I checked my bluebird balance the {$100.00} was missing, now my account is {$100.00} less than. when I contacted their customer bluebird service super rude btw, they said it has to be disputed and it could take up to 45 days and they also said for me to contact the bank atm which I did the bank teller said contact Bluebird. Not fair since I have bills to pay as a single parent working hard. They can only contact me through email that is mine why should I wait for so long.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX, XXXX ( Original creditor : 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 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. 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.