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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

So I do XXXX  and needed to send money to my brother through zell but then It sent by its self and the money disappeared I called zell to return the money but they said when it sends thats it its gone and I was out on XXXX Almost
Product: Debt collection

I have an outstanding bill with XXXX XXXX XXXX  in XXXX, Nebraska which went to collections. The balance is about {$750.00}. I have been paying {$50.00} per month. We receive a letter each month with a code to use online to make a payment. We did NOT receive a letter in XXXX ( bill is due on the XXXX ). We have not missed a prior payment. I received a call XX/XX/2024 from Revco representative stating that since we did not make our XXXX payment our previous agreement was invalid. She offered a settlement for about {$480.00}. I said I was willing to do this but requested the settlement agreement in writing prior to paying. However, she said that no settlement in writing was available until after that payment was made. I am willing to settle for the {$480.00} but must insist on having a written settlement prior to doing so. She gave me 30 days to respond. The number for me to call is ( XXXX ) XXXX. Please either advise me on what to do or contact them to send me a written settlement and I will happily pay the {$480.00}. I also would like a written acknowledgment on their part that the bill is paid in full once they receive the {$480.00}.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX  XXXX - Account number - XXXXXXXX XXXX  - Account number - XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 or other personal consumer reports

After reviewing my Consumer Reports, I saw some instances of late payments on an account. I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with accuracy. I have never missed a payment on the following account XXXX XXXX XXXX XXXXXXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, showing the lateness of these payments. If unable to show proof, I demand that these payments be updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without any delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : Is refusing to remove " Fraudulent Inquiries '' from my credit report, after I provided them with ; FTC Report, Police Report and proper ID. 




Fraudulent Inquiries : 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

I have filed numerous disputes, I have also been locked out of my XXXX and Expieran online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately
Product: Checking or savings account

From XXXX 2022-XXXX  2022. Someone got ahold of my account and started to send money. I tried to contact cashapp for this so that I can be refunded but cashapp declined. I told them it was not me but they proceeded to not help in this situation so I became out of money because someone did this. The amount in total is {$2900.00}.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Money transfer, virtual currency, or money service

I sent {$900.00} on XX/XX/2021 to my brother on PayPal to be used for a XXXX gift. The transaction has been in pending status for XXXX and a half weeks. My brother and I have reached out to PayPal several times. 

When I try to reach out via the customer service online messaging system, all I get is a generic answer saying some transactions take longer to review. I never get a timeline, never get an explanation what they are even actually reviewing. 

Finally after reaching out via the in app messaging system for 2 weeks they gave us an email address, XXXX, and said that we could get the status by emailing them there. I sent a total of 3 separate emails and did not even get a response I have tried calling the customer service line and it is only an automated voice messaging system. It asks what youre calling about and then loops you in circles when you answer. I could not get a human on the phone In summary I have tried messaging, emailing, and calling PayPal, but have not been given a timeline or explanation for why my money is still pending. They have been essentially frozen my money during the holiday period for XXXX weeks and will not even give me an explanation or timeline for when it will be available
Product: Credit reporting, credit repair services, or other personal consumer reports

My old roommate used mt name and business to file a fake payroll account at her company XXXX in 2015. I was unaware of this and did not authorize this. Many months later I received letters from XXXX proclaiming I owed them taxes for employees I paid. I did not have any employees besides XXXX XXXX XXXX XXXX XXXX and I had never filed a payroll. When I called XXXX my roommate was fired for fraud and forgery, but they did not attempt to fix the error with the XXXX. The XXXX later put a public records lien against me for the amount the claimed I owed, and took the money from my savings account. I contacted them and they admitted their mistake and released the lien, but the lien was already on my credit report. When I contested the issue with Equifax they said they reviewed the lien and the information is correct. Yes the lein was filed against me, but it was done so by action of fraud against me and the mistake of XXXX. This mistake by Equifax has hindered my ability in being accepted for any loans or credit cards. I am being punished for the actions of someone else and it is affecting my ability to operate my business, buy a home, and live my life.
Product: Credit card

The bank closed my account and won't return my deposit. I want the bank to return the deposit that I opened to create this account.
Product: Money transfer, virtual currency, or money service

BLUF : This company is using intimidating verbiage to pressure consumers into working with their company. They also falsely claimed they are approved through the FTC, which stated they do not deal with these companies. 

Detailed information : Please see the attached letter that I have received. 

I called the company and they stated that they have approval through the FTC to receive my information from the credit bureaus to send letters to consumers and that their verbiage is also approved. They stated that their information includes any consumer with greater than {$4000.00} XXXX in unsecured credit debt. The company also stated that they negotiate with the credit card companies to pay off balances at up to 40 % off the balance. And they organize a savings account to save up and pay off this amount. The call was possibly recorded by the company, it took place on XXXX XX/XX/2019 around XXXX. 

I did not provide any information to this company. I did not attempt to work with them to settle any debt. I told them I do not have credit card debt with any of the listed banks, especially nothing over {$4000.00}. The employee offered for me to call back and possibly get someone with a working computer, and they could possibly remove me from their contact list. I did not call the company back. 

I found the CFPB after calling the FTC to inquire about their procedures. 

Company information : United Debt Counselors , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Mortgage

Rushmore Loan Management Services has arbitrarily imposed " personal insurance '' policy on my account when I have already provided insurance policy. They are charging my escrow account {$100.00} per month since XXXX. They refuse to stop stealing my escrow money for this fraudulent insurance policy. My insurance policy provides all coverage required by my loan and has been in place constantly from XXXX. 
I have XXXX loans with Rushmore, all originated with same lender, all have identical insurance provider BUT Rushmore is illegally stealing from this one account with their self imposed " personal insurance '' policy. 
I want these withdrawals stopped and all funds returned to my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 
THIS ACCOUNT ; XXXXXXXX XXXX XXXX : Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my account and there was fraudulent activity.
Product: Credit card or prepaid card

HSBC 's behavior is illegal. HSBC has violated regulations. 
Please HSBC to abide by the regulations and safeguard the rights and interests of customers. 
HSBC should immediately submit a dispute appeal to the store for me and ask the store to submit supporting documents.
Product: Debt collection

NCB magement bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify ncb that I will pay this off once my house sells.
Product: Mortgage

Failure to provide Credit Reporting Agencies the required disclosure " notice of dispute '' within the 30 day time frame.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc, ) due 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 reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

I received calls every day at XXXX XXXX  from a number called PRINCE PARKER. I answered it one morning after XXXX weeks of calls. They said they were collecting a debt for XXXX XXXX XXXX XXXX. I have never used XXXX XXXX XXXX in any way shape or form, and I told them that. They asked me to confirm the last XXXX digits of my XXXX and read XXXX numbers to me. I told them that is NOT the last 4 digits of my SSN, They then asked me to confirm the address and read me an address in XXXX XXXX, Florida. I have never lived in XXXX XXXX Florida. They then read me XXXX phone numbers from this account - none of these numbers have ever been my phone numbers. She said they obviously have the wrong XXXX XXXX. The only thing that matched was my name. I didn't even ask where they got my cell phone number, becuase she said it was obviously a mistake and thank you for my time. This morning, I received a text from XXXX XXXX saying they are trying to collect a debt. I called immediately and told them we talked yesterday and it was fraudulent. Their response today is that they will continue to call or text me every day until XXXXXXXX XXXX XXXX removes the account from collections. They provided me the XXXXXXXX XXXX XXXX account number ( XXXX ) and XXXX phone numbers on the account and the phone number for XXXX XXXX XXXX. - they told me to call XXXX XXXX XXXX at XXXX. A very nice lady named XXXX answered the phone and tried to help me, but after she entered the account number, she needed a passcode for the account, which I obviously don't have. She said there is nothing she can do without the passcode, and even if I had the passcode, it would then send a text to the phone number on the account, which is not my phone number. Is it allowable for Prince Parker to continue to call me every day about an account that they agree is not mine? How do I stop this?
Product: Mortgage

Applied for preapproval for a loan from J.P. Morgan Chase in XXXXXXXX XXXX for {$150000.00} to purchase a home in XXXX XXXX I was contacted by XXXX XXXX the next day. Was conditionally approved on XXXX. Saw house on XXXX, made offer, offer excepted. Signed contract on XXXX. Point of contact person XXXX XXXX called on or about XXXX to introduce herself and to let us know our closing date would be XXXX XXXX and our first payment of $ XXXX. would start on XX/XX/XXXX. Appraisal schedualed for XXXX. On XXXX we was then asked to waive our appraisal/valuation so we could sing on time. appraisal back on XXXX. XXXX called XXXX XXXX stating appraiser requested a water test be done.Water test was done on XXXX, and came back ok. After that we was told that XXXX would not approve loan unless we paid to have water hooked to city water. On XXXX XXXX we informed XXXX and XXXX in writing that we was going to change to a different lender and requested in writing that the appraisal be transferred to new lender. All transfer information given at this time. No appraisal transfered. On XXXX XXXX I attempted several times to reach XXXX XXXX, XXXX XXXX, and XXXX XXXX Supervisor XXXX XXXX with no answers. Attempted calling again several times on XXXX XXXX and again no answer. Finally I called a general number and spoke to another loan consaltant and was informed that all three had been laid off. This loan consultant was unable to help me with getting the appraisal transferred because she and everyone I spoke to after this point was unable to locate not only the appraisal but the entire loan application even though I provided them with current Mortgage case number and mortgage number. We had our house loan with Chase XXXX  years ago and they kept going back to this loan and stating there was no appraisal found. I had spoke to so many " loan consultants '' trying to locate the new loan application and appraisal and it finaly paid off. I was told that I needed to pay for the appraisal before they would transfer it and was given an address to send it to. I immediatly got a certified check and overnighted it to the address provided. Appraisal was transferred and we signed on house shortly after. A couple months later we recieved a XXXX from Chase in the exact amount that I sent to pay for appraisal with a letter stating no loan or appraisal found.
Product: Credit reporting or other personal consumer reports

My account with ( DPT EDXXXX, XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in ( 30-90 days ) to be removed.

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

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


( DPT EDXXXX, XXXX, XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit card or prepaid card

My Discover Miles credit card got shut down with an meaningless reason " we are no longer be able to meet your servicing needs. '' and the customer service has no clue about this situation. Only said the bank closed my credit line because of business which is not relevant to me because I paid every bill on time since I have the card. This inconvenience made me lose chances to purchase lots of good deals and earn miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts of trying to update my personal information on my credit report. Experian continuously keeps reporting an inaccurate address on my credit report.
Product: Credit card

For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed.