23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Data breach has made my personal information susceptible to identify theft and credit fraud. Equifax did not the take the necessary steps to protect my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

( Dlock, Inc. ) aue to Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This was done the year of 2018, I had opened several credit cards. Lets start with the one from discover, it was meant for school purposes. but I needed to use it when I went on a trip for an emergency. little did I know a few charges where pending for school causing my card to be maxed out when I checked and thought I was in the clear. However, the card was still able to process beyond the amount that was on the card and the company hand blamed me. when the card should of been denied when being used, however it was not. so the amount exceed far greater the amount I could spend on the card. 

The other two card are from XXXX XXXX, this one was the shocking because I had entered my banking information to pay it automatically. but when the information was entered it said I violated my policy closing both my accounts. however, the violation was that I did not enter the correct Information from my bank, that is what I was told of this violation. Which made not sense to me. 

The other card I had was premier one card and that card was closed because I made to many payments in a month which made no sense to me. because I thought that is exactly what you are suppose to do for a credit card. However, they wanted more information from me through fax and which I did but never did because it was closed. 

The other card I Had was bank one. I made a payment and then they closed my account without my acknowledgement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXXXX/XX/2019. Please investigate and remove from my credit report.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure 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 protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 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. '' XXXX XXXX. is a financial institution by definition under that title. Per 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. '' Affirm the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and to this date they have never received my written consent either!. Any and all consent to Equifax, XXXX, XXXX, and Affirm whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non affiliated 3rd party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX has Never once informed me of any of my rights to exercise my nondisclosure option. Also Per, 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 without my permission which is a violation of 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, XXXX and XXXX are not maintaining reasonable procedures. Also Per 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I cashed out of my crypto currency account. On XX/XX/XXXX2024, I initiated a transfer to my bank. After verifying my account and taking several XXXX XXXX  out, as of this date XX/XX/XXXX I have yet to receive my money or the money Coinbase took out to verify my account. I have lost other investment opportunities due to this. It does not appear to be legal to hold on to someone else 's money indefinitely and to keep telling that person, you will get your money tomorrow and that never happens. A bank transfer should not take more than a month.
Product: Mortgage

XXXX XXXX XXXX sold our mortgage to Selene Finance on XXXX. We were 1month behind on payments at time. Despite our efforts we could not catch up and were being charged unexplained fees from Selene, they also mishandled our insurance payment that year. We were approved for a mortgage modification on XX/XX/XXXX, with a trial payment period of 3mths XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They put new adjusted payments in an unapplied account, then said our XX/XX/XXXX payment was returned for ins. funds-our bank statements shows it cleared. XX/XX/XXXX they sent a notice of default with intent to accelerate, said we broke the trial agreement. The payment that they reversed XX/XX/XXXX has disappeared completley-they took it. Now we are back to square 1 with them but we owe even more. Corporate advances charges keep increasing each month-they said this was for postal and inspections?
Product: Debt collection

They are reporting a fraud collection account on my credit report in the amount of {$2900.00}. This is not my account and needs to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I added a security freeze on nexis Lexis on XX/XX/2020 and it's still not complete or done it's been past 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting a fraudulent account that doesn't belong to me on my credit file. XXXX XXXX XXXXXXXX confirmed this and i sent them as well as them documentation to remove this negative and incorrect account from my credit files. it was removed from some but not all of them i see now. XXXX XXXX  XXXX account is not mine and should be fully removed.
Product: Debt collection

Received on XX/XX/XXXX via postal mail an official-looking paper ( and envelope ) from American Coradius International LLC XXXX XXXX attempt to collect a debt from XXXX, XXXX XXXX XXXX amount of {$2800.00}. I very rarely use XXXX, and am not aware of any purchases. I contacted the company at the number listed ( XXXX ) XXXX to get more information. They asked for the Reference # on the letter, had me verify my mailing address, asked me if I was claiming fraud ( yes ), asked me if I recognized an email address of XXXX ( no-do not recognize that name either ), then asked me if I recognize XX/XX/XXXX ( yes ), then asked for the last XXXX digits of my SS # ( which at this point I am suspicious and did not answer ). She ( XXXX XXXX said shed submit as fraud and I could disregard. I then contacted XXXX. They had a XXXX balance, said they did not recognize the account # listed on the letter, and canceled my account at my request.
Product: Credit reporting or other personal consumer reports

It appears there is a significant discrepancy between the information provided by TransUnion and the certified letter from the United States Bankruptcy Court. 

TransUnion 's Claim : According to a letter from TransUnion dated XX/XX/XXXX, they assert that they verified a bankruptcy filing in your name with the XXXX Bankruptcy Court for the XXXX XXXX XXXX Illinois, located at XXXX XXXX XXXX XXXX, XXXX XXXX 's Statement : In contrast, a certified letter from XXXX XXXX XXXX, the Clerk of the U.S. Bankruptcy Court, dated XX/XX/XXXX, explicitly states that the court does not report any information to credit bureaus and is not responsible for verifying or validating information in consumers ' credit files. This statement indicates that the court did not provide the bankruptcy information to TransUnion or any other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I kept receiving emaila from XXXX XXXX XXXX  that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XXXX I paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.
Product: Student loan

I will include screenshots. I was enrolled in autopay, it did not allow me to set a date before the due date, so all of my payments were late. I received false information from the representative that it would adjust and be corrected. I noticed it was not corrected. I called again and set it up again. Now I am noticing I have been unenrolled in autopay. All I am trying to do is pay my loan on a fixed schedule, I have the funds to pay it off completely. This provider is impossible to work with, they give false information, the customer support is useless, the wait times are intolerable, the e-mail them option is broken as it does not allow for any punctuation ( or else it will give an error message ). Please crack down on these guys as this is completely unacceptable. Student loans are already predatory to begin with, I don't need to deal with predatory providers.
Product: Debt collection

I had a credit card with XXXX XXXX XXXX XXXX XXXX  and I had got behind and paid the charge-off through XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX XXXX had sold the credit Credit item to XXXX and I paid the item with XXXX over the telephone back in XXXX XXXXXXXX agreed to have the account removed off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an inquiry on my acct from Equifax back in XXXX.I disputed w them..I called the creditor they do not have my information ... and equifax has yet to remove this inquiry. I sent a complaint to you all back in XX/XX/21 you guys closed the case bc equifax said they needed more time.Its been a year and this inquiry is still on my acct. And I have spoken w discover 3 times and they have no record of me.
Product: Credit card or prepaid card

To Whom it may concern, Citigroup will eventually be passing judgement on all of my transactions that might be considered politically incorrect. Starting with paying for time at my local shooting range, buying supplies for my church, renting a fishing charter, increasing my carbon footprint by purchasing air-fare or a down payment on a large SUV. Denying me the ability to purchase goods because the bank does not agree with my personal beliefs is taking a political stand counterproductive to business. 
Had I known this was the stance they would take I would not have opened my account. Honestly I will probably move my business elsewhere unless this is addressed. 
Thank you for your time and I look forward to hearing from you.
Product: Credit card or prepaid card

Someone tried to con me into using my credit card to purchase over {$6000.00} of merchandise. They played it under the guise of a job offer, and gave me a bank account number to pay off the credit card with. Unfortunately, the bank account was closed or frozen or something, and my credit card payments were returned. I returned the merchandise, so no money was lost. However, Citi closed my account because of this situation.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I added funds to my Skrill account then sent available money to another Skrill user. The transaction of {$1000.00} never processed and Skrill closed my account with no warning. Ive email and called but havent got any resolutions to getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in XXXX  I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX   XXXX opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -opened XX/XX/XXXX ( 3 mos ) amont {$690.00} 5 ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has violated my privacy rights as per 15 USC 1681 section 602 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 a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Prepaid card

On XX/XX/year>, I checked into the hotel-see attachments and was charged an incidental deposit/hold of {$100.00}. The hotel agent assured me that it would be credited back after check-out. He said it shouldnt take more than 3 to 10 business days to see hold removed/money back. Ive stayed at this hotel a number of times, and have ALWAYS received the money back within 3 business days!! Cash App is refusing to be of assistance in this matter, and also deliberately making the situation more difficult than it has to be!! Cash App is refusing to apply the credits of {$100.00} each-the charges are still pending-and its been about 3 weeks since I was charged!!! The merchant/hotel claims its up to your bank or financial service to give you your money back within the 3 to 10 business days. Ive reported both Cash App and the hotel to the bbb.org, and was unsuccessful at reaching a resolution. In the attachments provided, theres proof of check-in and check out dates, and the dates of the incidental holds placed on my Cash App card. The check outs have been finalizedthey never take more than a couple days!!!! Im in a state of distress and emergency and need my moneyI should have had it back more than 2 weeks ago!!! Cash app has been uncooperative and wasting my time in regards to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was going over my credit report in the past few days. Today is XX/XX/XXXX. I have noticed a bunch of fraudulent activities I do not recognize. I tried calling some of these companies and have gotten the run around and basically told to dispute with transunion. I called trasunion a few times to get these items removed but never a live human on the telephone. They have given me 34 hard inquries. Only a handful of these are accurate. Going forward I am changing all my passwords and stuff so this does not happen again. Here are all the ones that are inaccurate that I need off my credit report. I will even attach four screen shots from my XXXX XXXX account so you guys can see. All of the following was never authorized by me XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/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 XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 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.
Product: Credit reporting or other personal consumer reports

I recentiy reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I signed up for an online account with Experian to freeze my credit. After signing up for this account, Experian continues to send me unsolicited marketing messages with no opt-out mechanisms. 

A sampling of these emails include : " Your monthly account statement is here, [ name ] '' - XX/XX/XXXX, XX/XX/XXXX, and previous months " [ name ], check out XXXX update to your credit report '' - XX/XX/XXXX I have attached copies of some of the relevant messages. 

These messages contain the footer " This email contains important updates related to your account '' and do not offer an unsubscribe link or similar method to manage future notifications. On my Experian online account, I have opted out of all marketing communications that I have control over, but have continued to receive these emails. 

Per a XXXXXXXX XXXX order XXXX Experian is expected to provide an opt-out mechanism for marketing messages. As noted by the XXXX, " The stipulated order enjoins Experian from sending commercial emails that do not provide notice that the recipient may opt-out of receiving such emails in the future or an opt-out mechanism. '' However, as of XX/XX/XXXX, it appears Experian has not complied with this order and I continue to receive unwanted emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX  , transunion ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, XXXX   ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, transunion ) , Bankruptcy ch 7-dism Ref XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX Acct XXXX ( XXXX, , XXXX, transunion ) , XXXX XXXX ( XXXX, XXXX, , Tranunion ), XXXX XXXX XXXX ( XXXX. XXXX, TU ), XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of verification from Experian 's investigation. According to FCRA consumer reporting agencies are suppose to provide proof of how they verified accounts that are being reported. 15 USC 1681a I am within my rights to ensure accuracy and facts on my credit report, and the law states I can request proof of verification giving detailed information on how each account was verified.
Product: Credit card or prepaid card

Hi, I am currently on unemployment. I received my benefit for 2 weeks yesterday. Somehow someone up in XXXX XXXX withdrew {$760.00} from my EDD card at an ATM, which means there is a duplicate card. I made the report and they are doing an investigation, however the {$760.00} that was stolen will not be replaced for 45-90 days. My rent is due XX/XX/XXXX, as I tried to explain. Bank of America said there was nothing they can do. I am trying to secure a loan to pay for my room, but there is a good chance I will be homeless, through no fault of my own, because EDD and Bank of America have been compromised. It dose make a lot of sense to me why they cant do direct deposit is beyond me, it would have ensured this problem and a {$760.00} loss would have never occurred. If there is anything you can do to help expedite the replacement of my unemployment benefit it would be greatly appreciated. Best Regards. The date of the withdrawal was XXXX