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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was targeted online with a mystery shopper scheme for extra money was sent a check that had XXXX XXXX XXXX on it so I deposited the check and within 5 hours of realizing it was a scam contacted Chase Bank Fraud services to tell them the check was a scam and also reporting it to the FTC and FBI via internet.There was never any money tried to be spent from the account no money exchanged hands even though I told Chase it was a scam they continued to deposit the check. Now they are extremely rude to me and only wanting to place full blame on me for the check. Refusing to ever in their words to own an account with them again.
Product: Debt collection

We received a phone call from XXXX from someone named XXXX XXXX working for XXXX Investigations. She said she was verifying I was at this phone number because there is a lawyer about to file in court about XXXX payday loans from 8+ years ago. She had my old address and drivers license number and the details of the debt. She said to contact a lawyer named XXXX XXXX in XXXX XXXX, VA at XXXX to discuss. She said there would be a warrant within 24-48 hours. The lawyer 's number had been disconnected. When I called the XXXX number, the voicemail said the phone belonged to XXXX XXXX. I googled this name and found many scams associated with it. I believe this is a scam, and it is worrisome that these people have my information. I 'm not sure if this is the right place to report this. I 'm not sure if the PayDay loan company shared his info with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.
Product: Prepaid card

I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.
Product: Money transfer, virtual currency, or money service

The mockery was continuously happening, because CFPB was closing my complaints and took one side, side of abusers, liars and obstructers of justice. CFPB was not looking into and was not helping my requests. Why it is so difficult to get help against power abuse? I complained not just one time that Paypal imprisoned MY MONEY and won't allow to move it between family and friends with no fees and at once. Paypal was using any chance to play with my account and tried to block family and friends option and charge instead high fees over 3 %. Paypal did it to people who was sending money to me too. I attached screen prints with explanation of today 's mockery. That Paypal again did not allow me to send money through family and friends option. I prepared them message and sent it with warning that I am going to complaint to CFPB again. How many times needed to complaint about the same thing that finally something will be done against outrageous abuse. This abuse compared to theft, because I was not able to use my money the way I was needed. I still did not get Paypal debit master card yet. After I sent my message to Paypal about my complaint to CFPB they suddenly opened family and friends option. Why I was suffered for so long? Why they feel free to make a mockery over member and my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX XXXXXXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Product: Checking or savings account

The company withdrew money from my account with out my knowledge. I did let them know I reloaded the card of XXXX dollar on XX/XX/year> XXXX
Product: Credit card or prepaid card

I had a count at walmart i paid my monthly bill on the XX/XX/XXXXl XXXX dollars and then i turned around on XX/XX/XXXX i made an extra payment of XXXX dollars to get my account down, on the XX/XX/XXXX i was told by walmart that they did not get my payment, now i received payment processing number for both now once i called my bank i found out there were some problem with my account and i guess the payments did not go through so i called and made a payment of XXXX dollars at that time i was told my account was closed and charge a XXXX dollar late fee, i tried to explain to walmart it was not my fault but they did not care the bank closed my account and i didn't know until i was on the phone with them and also they didn't receive my payment. now my account is closed and they still want me to pay late fees on top of what i owe, i do not feel walmart is right or rather the bank and i need help. And also as of XX/XX/XXXX when calling walmart about my account it stated Thank you for the payment of XXXX dollars now going by that alone you see there is a problem because that statement was said before i made another payment of XXXX dollars so what is a customer to do.Walmart is wrong and they don't care.
Product: Checking or savings account

Bank account fraud. Bank was notified on XX/XX/2022 new card issued. Some transaction that I committed were given to me to negate there error in allowing my account to be overcharged by fraud, the other items could not be deputed till XX/XX/2022 cause they were in pending status. After pending status I went to the back to get the reversal of my lost funds in the amount of {$480.00}. Durning the dispute process a provisional credit was issued until the investigation was over. However just recently the funds were reimbursed back into my account and the provisional credit was removed. The bank stated per the representative that because I was in the area, I committed the fraud and the charges were legitimate.
Product: Credit reporting or other personal consumer reports

UPDATE PAYMENT HISTORY OR DELETE ON ALL CONSUMER REPORTING AGENCIES I am disputing the inaccurate reporting payment history Account XXXX XXXX Account Number XXXX XXXX XXXX  on my credit report. The payment history for XX/XX/year> is incorrect and does not reflect accurate or truthful information. In Shaw v. Equifax Info. Solutions , Inc., the court emphasized that repeated reporting of inaccurate charge-off information is misleading and distorts a consumers credit profile. Such practices harm consumers and undermine the integrity of credit reporting. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you report. I am requesting that this error be corrected immediately and that you provide a detailed explanation of how the information was verified. Failure to address this matter promptly will leave me no choice but to escalate the issue through all available legal channels, including filing complaints with the CFPB, FTC, and state attorney general 's office.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I used Cash App to send a friend {$25.00}. Unbeknownst to me, the person deactivated his Cash App account. I contacted Cash App after I could not cancel or ask for a refund. When I contacted Cash App, I was advised that " CASH APP is unable to cancel or refund the completed payments. I was told if I wanted to recover my funds, please have the recipient reach out to us via their app. '' The person reached out to CASH APP Customer Support via the app as instructed to do so. However, the funds are not showing in their balance and Cash App said he could send the funds to the sender ( me ) when the account is active. 

So, if the account is deactivated, how were the funds accepted and supposedly received?
Product: Credit reporting

I 'm a victim of identity theft and the person try to open lots of accounts in my name leaving me with a lot of inquiry on my report. XXXX, XXXX XXXX, XXXX
Product: Student loan

I applied for the PSLF program and was rejected based on " no eligible loan type ''. The rejection letter directed me towards direct loan consolidation - however, I have already been making payments on a consolidated loan since XXXX. According to all information I have been given thus far, my loan type should be eligible. I am wondering if/ why the information was reported incorrectly.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX has violated my rights as a consumer. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 agencycannot furnish a acoount without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

I saw Wells Fargo pulled credit for my name on XX/XX/23. I did not authorize it and didn't know why it was pulled. Today, I received a XXXX XXXX XXXXXXXX XXXX credit card for {$3400.00}, which I never applied. I called Wells Fargo and couldn't get rep on the phone or a fraud department rep on the line. It is saying that I have spent {$2800.00}. I have never even been in a XXXX XXXX XXXX XXXX  store.
Product: Credit reporting or other personal consumer reports

Well according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states it is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX  are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared and that is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' the credit companys Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
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Product: Money transfer, virtual currency, or money service

I have an account with Coinbase.com where I have roughly {$50000.00} worth of cryptocurrency stored currently. I recently traveled to XXXX as a tourist and my account is locked as a result ( as of XX/XX/XXXX ). I can not get a response from Coinbase support to reactivate my account and restore access to my assets ; I have contacted the company approximately 15 times since my account was disabled, and provided all of the documentation they requested ( e.g., proof of residency in US, government ID, etc ). Coinbase has replied ( XX/XX/XXXX ) noting that they have escalated the issue, but I have heard nothing since, despite repeated follow-up attempts by me. I need reassurance that I will have access to my money restored immediately. Three weeks is an unacceptable amount of time to be waiting for a response on an issue that should straightforward to resolve. 

Case number : XXXX
Product: Mortgage

Approximately XX/XX/2019, Roundpoint choose an insurance policy with the same coverage for my ESCROW, but the premium went from {$1400.00} annually to over {$2100.00}, they increased my monthly payment about $ XXXX to cover the new shortage. I called and canceled that policy myself, got a new equitable policy, and calculated my taxes insurance etc and appeared to have an overage in my ESCROW so that Id be due a refund. They told me the new monthly payment would stay the same due to their projected ESCROW account estimates. Today they have tried to increase my rate AGAIN, citing the same insurance issue and demanding an additional {$880.00} for my ESCROW due to another assessment completed XXXX XXXX. My new policy was {$1800.00}, the taxes did not increase that much this year and have been approximately {$600.00} annually, and it appears that even asking them to cancel the old policy they still have this listed on the ECSROW account, I have called these people 6 times since XXXX and have had no resolution with clearing up these issues.
Product: Student loan

I submitted a principal reduction payment for {$100.00} dollars on my loan in an effort to reduce my loan balance. They miss allocated the payment and charged me interest even though I am caught up on my regular payments. I made a payment on XX/XX/XXXX and in 6 days I somehow managed to accrue XXXX in interest charges. The odd thing is that from XX/XX/XXXX to XX/XX/XXXX according to the billing and payment allocation from n=Navient I only accrued XXXX cents in interest. It is my understanding from the promissory note that I can make principal reduction payments as long as I am current on my payment schedule which I am. They Explicitly state that you include specific payment instructions which I did.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year my score with Experian took a nosedive. The amount that they had for my auto loan with XXXX, XXXX XXXX XXXX, XXXX, TX XXXX was incorrect. I called them to tell them, I also called XXXX and they informed me that they had reported the correct information. I pay this account every month on time and the figure decreases. But Experian has held the same amount ( {$8000.00} ) for months... Even though the amount decreases every month. My score was drastically reduced this month with that same amount remaining. Even though the other credit agencies the score goes up. I called them back again and the rep who was rude tells me the company did not report anything. The other agencies report {$7600.00} and my score will just go up XXXX points or more. I guess they're trying to include a closed account. I've told them the account was closed. You're probably aware that some companies sell your info and try to collect on closed accounts. I am trying desperately buy a house for me and my family. My rent went up to the tune of {$150.00} - XXXX a month. I am XXXX XXXX XXXX and I don't know what to do. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,