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

Hello, In XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy and compliance of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 
They responded back and said it was verified as accurate. I sent another letter to them in XXXX requesting the procedure that they used to verify the accuracy and to also send me copies of names, addresses and phone numbers of each person they contacted from the court. 
They responded back with a letter saying that I requested them to initiate a dispute on my behalf with XXXX XXXX and XXXX, and that I would have to dispute each agency separately myself. THIS WAS NEVER IN MY LETTER!!! 
Also, In XXXX, I requested that LexisNexis put a security freeze on my report. That was granted on XX/XX/2018 and is still in effect today. 
Because they failed to provide me the information that I initially requested, I sent them another certified letter in XXXX requesting the same information to either be accurately verified or removed from my report. 
This time, they NEVER RESPONDED AT ALL! So, I sent them another certified letter in XXXX to inform them that by not replying in a timely manner to my initial letter dated XX/XX/2018, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Then, for whatever reason, they initiated an investigation with both XXXX  and XXXX  without my knowledge, nor my permission, and responded back saying that the public record on my report had been verified, and that the source of their verification was XXXX??? At this point, I realized that they are just playing games! 
However as one last act of good faith, I sent out two more certified letters to both LexisNexis headquarters and to the CEO of the company on XX/XX/2018 asking still, for the proper proof of verification from the court. 
They both responded with the same letters saying that I need to launch my own separate investigations with XXXX XXXX and XXXX! 
This is ridiculous! 
I'm tired of playing these games with them!!!
Product: Checking or savings account

On Saturday, XX/XX/XXXX - my accounts formerly owned by Simple, were rolled over to BBVA USA as part of an acquisition/merger. BBVA completely botched the rollover ; my accounts have been unavailable to me for over 24hrs. I can still make ATM / Debit withdrawals, but have no visibility on balance, transactions, or ability to deposit checks or funds. Their customer service department has been overwhelmed by customers similarly left adrift - and I have been hung up on multiple times by their customer service reps. 

My funds are effectively being held hostage by a company that seems to have no interest in assisting its new customers. Stay away from BBVA, I intend to close my account as soon as I have access to my funds again.
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. 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: Checking or savings account

For ease of reading, a properly formatted version of the summary and details of complaint is written in the PDF attached titled " CFBP Full Complaint. '' I kindly request that you start there, even if just for the summary or understanding the attachments. Please feel free to reach out at any time at : XXXX ( XXXX ) XXXX Below is the summary section of the complaint : Summary of Complaint : This complaint pertains to the following denied fraud claims made with Bank of America ( BofA ) : Claim # XXXX ( Ref. # XXXX ) Claim # XXXX ( Ref. # XXXX ) The claims relate to fraudulent, unauthorized transactions made using my stolen phone amounting to {$8400.00} on Sunday XX/XX/year>. The theft was reported to BofA the same day, and the fraud dispute claims were made at the soonest opportunity on the following day XX/XX/year> BofA denied the requests on XX/XX/year> without a reason beyond a verbal scripted quote : " we don't believe they were unauthorized transactions based on your account activity and transaction history. '' They also did not issue a temporary credit to my account. My other banks approved the claims and issued temporary credit BofA 's claim is not true, and they made minimal effort to investigate it. It is not true because : There were ~ {$40000.00} in fraudulent transactions in total, of which they automatically denied ~ {$28000.00} ( see XXXX and statements attached -- prepared with the help of their employee ) Available receipts for fraudulent transactions with a different person listed to pick-up the goods bought ( attachedmore to come following subpoenas ) A transaction BofA allowed but I intercepted, resulting in a refund of {$3900.00} ( hence the claim being for {$8400.00} instead of {$12000.00} ) I attempted to restrict the account as soon as possible, but their debit card fraud team was not available and their website did not allow me to restrict my account without phone authentication until after enough fraud went through ( detailed below ) I seek your support in helping get BofA to take me seriously, resolve my dispute and get a full refund of the amounts claimed The following documents are referred to in the full complaint document attached, they are : 2 BofA statements : XX/XX/XXXX showing full extent of fraud with matching of declined transactions with their corresponding credits which a BofA employee did XX/XX/XXXX showing the final state of the account after transaction settlement and the remaining amounts under dispute XXXX file showing digitized summaries of the statements with additional information and highlights for ease of understanding Copy of police complaint slip showing report number. XXXX is still working on finalizing the report, but are ready to share all information with CFPB and BofA using report number Receipts from XXXX showing a different person listed as collector of the goods bought through the fraudulent transactions
Product: Bank account or service

I opened checking account using promo code that I got in the mail. I opened checking account with citi and completed all the requirements from the promo to receive the XXXX thank you points. Please see included screenshots for the conversation and confirmation from Citi. Citibank does n't want to honor the bonus saying that I was n't targeted.
Product: Credit reporting or other personal consumer reports

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this. 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned. 

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. You are now on notice and I am hoping you obey the FCRA so we can avoid any court situations. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX, XXXX, equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX check deposited {$600.00} and paid a {$5.00} fee for immediate deposit. I noticed that the deposit sequence was not customer friendly and I was charged NSF of {$72.00}. I called the bank, they know Im elderly and on a fixed income, and the couldnt show me the courtesy of trying to resolve this issue. 

Please help me. 
XXXX XXXX XXXX, AL
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on. I asked the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The team " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friend, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a debt currently being reported on my credit report that does not belong to me and that the issuing creditor refuses to remove. After reviewing my credit report ( see attached ), as I do on a regular basis, I determined that an invalid debt existed on my report. I contacted my legal counsel who contacted the creditor telephonically and via written correspondence ( see attached ). The credit reporting agency indicated that the debt was associated with another creditor but refused to remove the debt from my credit report and refused to provide proof of debt as requested by my counsel. I have disputed the debt with the credit reporting agency TransUnion and received the attached response. My counsel suggested I file this complaint to prevent this invalid debt from impacting my security clearance and my assignment cycle. 
Your assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and XXXX, they refused. 

I requested XXXX, XXXX and TransUnion correct my credit with the denial letter from XXXX. 

XXXX  has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

TransUnion has not responded to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX + Automotive XXXXs XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX XXXX dated XX/XX/2019 that i did not authorize. I have written the bank and they have responded that they have rerquested experian remove the inquiry in question.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX -Date opened XX/XX/XXXX - BALANCE {$380.00} XXXXXXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/XXXX - BALANCE {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date opened XXXX XXXX, XXXX - BALANCE {$990.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I tried to apply for an apartment in XXXX, TX using a HUD Section 8 voucher. I was denied the apartment due to a Tenant Tracker 3rd party credit reporting stating that I owed {$6700.00} to XXXX XXXXXXXX XXXX. With such a high balance, no one would lease an apartment to me. I soon after saw an advertisement for Trans Union settlement where if information based on public information was listed wrong they had to pay you {$1500.00}, and up to {$2000.00}. The actually website says that they use 3rd party sources. " TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit www.TUPublicRecordSettlement.com ''. I dispute the collection record twice, and Transunion would not remove it. I had to come to this website, and your agents saw the error, and made the 3rd party  admit to having a judgement and other fees included in a collection amount. They at first removed the judgement from the balance, leaving only a collection amount. I reminded them that when the apartment complex accepted the judgment from the court, they could not sue me for other balances. They finally removed the collection completely. Transunion did not try to really check into the validity of this collection that also contained a public debt. They caused me adverse harm, as I have paid apartment fees and application fees only to have been turned down by the apartments, thus having no place to live. The amount was erronously so high that no apartment complex would be willing to rent to me, thus they were lying to prohibit me a place to live. Transunion did nothing until I started a prior complaint with CFPB. I feel that I should be qualified to get the disputed funds for Trans Union because they did nothing to ensure that my credit report was correct, and sided with the 3rd party two times, without really investigating my issue.
Product: Credit reporting or other personal consumer reports

Request for Documentation Regarding Late Payment Reporting for Account [ Account Name/Number ] XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request documentation regarding a late payment reported on my credit report for the account referenced above. I believe there may be an error in this reporting, and I seek clarification in accordance with my rights under federal law.

Under 15 USC 1666b, creditors are required to follow specific legal procedures before reporting a payment as late to credit bureaus. Specifically, the statute mandates that creditors must send a written notice to the consumer at least 21 days before the due date of the payment. This notice should include an attached form as prescribed by 15 USC 1637 ( b ), detailing the payment terms and any conditions that could affect the status of the payment. 

To ensure my rights have been respected and the reporting is accurate, I kindly request the following documentation : Proof of Notice : Documentation showing that a written notice was sent to me at least 21 days prior to the due date of the payment in question, including the date of the notice and proof of delivery or mailing. 

Copy of the Sent Form : A copy of the form sent along with the notice, as required by law. If applicable, please also include a copy of my signature confirming receipt and acknowledgment of the payment terms and conditions. 

If you are unable to provide this documentation within the required timeframe, I respectfully request that the late payment entry be removed from my credit report, as its reporting would be in violation of federal law. 

Please respond to this request within 30 days from the date of this letter. If I do not receive a response within this period, I will have no choice but to pursue further action to ensure my credit report is accurate and my consumer rights are protected. 

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

Sincerely, XXXX XXXX
Product: Debt or credit management

I was looking for a loan and ended with a company that said they would help me with my debt and my credit will get better. The are called Beyond Finance with XXXX XXXX XXXX. One day I get a notification that XXXX accounts were placed in collections and then I went to check the account because I thought I saw that they were making payments to them when I look at my account. I realize that theyre making payments to another credit card company that is more than XXXX XXXX XXXX and wasnt even on my credit report at all. XXXX XXXX was what we agreed on and they were paying XXXX XXXX instead. It was removed years ago and somehow they got in communication with each other and started paying them payments towards an old balance, again about 15 years ago. I asked them to get the payments back and apply them to the accounts that we are originally agreed upon since they could find the " email they sent to me for approval. They didnt want to do that and then they wanted to charge me a fee for canceling eventually they didnt charge me the fee because more than likely they knew they messed up. They also kept the money that was in a secure bank account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.