23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello, I had {$1800.00} in my cashapp account, and now there is nothing in there and I cant access my account, cash app wont get back to me and theres no transaction history for that amount so I feel like cash app scammed me, I reached out to them 3 times over the phone and they were of no help
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over a year that I have been trying to get Experian to have my correct address on my credit report. I have only lived at XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX, for over 20 years. They have consistently placed new fraudulent addresses on my account. Even after numerous calls and disputes they still do it. They are not listening to the consumer. They are not investigating any disputes I send them.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you.
Product: Credit reporting or other personal consumer reports

First XXXX ( Late Payments ) I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XX/XX/XXXX {$31000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent the following document/letter to TransUnion for the following incorrect items they are reporting to my credit profile. ATTENTION : TRANSUNION DISPUTE DEPARTMENT - To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 
As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The terms reported are incorrect, please delete. XXXX : XXXX - The account status is incorrect, please delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account balance is incorrect, please delete. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. Please DELETE/ UPDATE the above accounts as quickly as possible.
Product: Bank account or service

I am an American citizen living abroad. US Bank unilaterally closed my account and sent me a regular letter dated XXXX/XXXX/2016 that arrived in XXXX after the date of closure XXXX/XXXX/2016. I was told that the account was closed because my primary residence was outside the XXXX. No provision was made for outstanding credit card payments or loan repayments. The bank check of my funds could not be mailed outside the US. They refused to reinstate the account until another solution could be found or other arrangements be made for the payments coming out of the account. At no time was my account in overdraft. They accepted an online check deposit 2 weeks earlier. They had my email and phone but made no attempt to contact me earlier.
Product: Checking or savings account

According to the consumer finance Non-sufficient funds ( NSF ) fees An NSF or non-sufficient funds fee may occur when your check or electronic authorization is not paid due to a lack of funds in your account. This is commonly referred to as a returned or bounced check. 


I am charged at least 7 times a month for nsf on transactions. They pay for my transactions thru debt because I have money in the account at that moment but when pending stuff comes thru it goes negative and charges my account nsf fees even though the debit card paid for that transaction. They are not charging me overdraft fees. By law this is unfair practice
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I have a PayPal bank account I used this PayPal bank account to receive unemployment payments to this account I was approved for unemployment benefits they backdated the payments I got a total of nearly XXXX dollars I received it in my PayPal account but when I went to go put gas in my account was on hold, I call PayPal after finding out my account was shut. The lady on the phone from PayPal was extremely rude and said that PayPal was going to hold the unemployment benefits for 180 days before releasing the funds back to me so I asked to talk to a supervisor she said I'm not gon na get one he's gon na say the same thing I got upset and hung up the phone. they closed my account permanently and said I was not able to get my money back for 180 days 6 months I'm on the verge of not being able to pay more bills I can barley support my self let alone my kid and I'm getting so much help from so many people with heroes food or diapers exctedra
Product: Mortgage

I have had problems with PHH Mortgage crediting my payments since they took over my mortgage loan. I have called to sort out the issues on several occasions to no avail. They are currently harassing me for non-payment when I am actually at least 1 month AHEAD in my payments not to mention I pay a little extra to equity each and every month. They are charging undue fees and marring my credit because of their poor bookkeeping. I need a full accounting of my account, any and all fees/charges refunded immediately to my account and my credit restored to any and all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.
Product: Debt collection

I paid my  XXXX   XXXX  account on  XXXX / XXXX / 15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the las t 3 weeks I have been receiving calls from Halsted Financial Services. They call and when  I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my  XXXX   XXXX  debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a matter concerning a fraudulent automotive inquiry associated with my name. Upon reviewing my credit report dated XX/XX/year>, I noticed an inquiry from your institution regarding an automotive transaction that I did not initiate nor authorize. 

This unauthorized inquiry has potentially negative implications on my credit profile, and as such, I kindly request that you remove it promptly from your records. 

Please note that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers be protected from identity theft and fraudulent activities related to their credit information. 

I trust that you will handle this matter with the urgency and attention it deserves. Your cooperation in promptly rectifying this issue will be greatly appreciated. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent inquiry from my credit report.
Product: Credit card or prepaid card

Universal Premium Fleetcards / Mastercard   XXXX   UPF auto signs up their clients into programs ( in this case a percentage of our bill going to planting trees ). I have never heard of this program nor did I sign up for it. {$57.00} was charged to our account. They credit it IF you discover it and IF you call in to get them to credit it. However they credit takes 2-3 billing cycles or 30-45 day s. If they have  XXXX  clients they fraudulently sign up, at {$57.00} each, that 's $  XXXX  they control for  XXXX  ... at 1 % interest, they just cleared {$570000.00} for fraudulently charging clients. This ca n't be legal, can it?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns Home Furniture refused to allow a differed arrangement due to Corvid 19 pandemic and insisted that I have to catch up with payment even though I tried to explain to the company on different occasions of my financial struggle due to the Corvid 19. The company representatives that I spoke to on different occasions agreed that I could pay partial payments if I could not pay the whole monthly amount. I had been doing just that as a sign of good faith. But after making such payment, their collection dept keeps calling for more money. They reported to all the credit bureaus that I am 60 days late even though I was making partial payment during the Corvid 19 pandemic that is still raging across the country. As a result of their actions reporting a Negative information to the bureaus, my credit suffers and and I want they to remove the negative remark. I was making partial payment as required by law. The company representative stated to me that the company has nothing to do with the report and that it was the bureaus that reported such. I explained to her that the bureaus do no generate any negative report unless Conns gave it to them.
Product: Money transfer, virtual currency, or money service

I used my cash app card to make a purchase for {$850.00} on XX/XX/year> at XXXX XXXX XXXX. On XX/XX/year> the transaction settled. Then the following day i log into my account and my balance is negative- {$850.00}. I look at my transactions and see that there's another charge for {$850.00} that is pending that wasn't there the day before. I contacted cash app and according to them the merchant double authorized {$850.00} which caused my balance to go negative so I contacted the merchant and after they checked their payment system they said they don't have any other pending authorization holds open. 

" XXXX XXXX, We double-checked our payment processing system and only found the charges of {$100.00} and {$850.00} from XX/XX/year> in our system. There are no pending charges or holds in our system. I would suggest reaching out to your bank to inquire about releasing the hold since it is not within our system. 

Please let us know if there is anything else we can do to help! '' So I contacted cash app support and they said the merchant is lying and that they can't release the hold they said only the merchant can cancel it.. but I've already confirmed with the merchant there isn't anything to cancel on their end! Cash app won't cancel the pending charge and is wrongfully witholding access to MY money. This isn't the first time this has happened either. They can't keep putting holds on people 's money and lying that it's a issue on the merchants end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 11 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX, XXXX, and Experian all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment both on XXXX and XX/XX/2020 for 30 days and 60 days late. I am not sure how this happened as probably during the time I was going through the XXXX and some medical challenges during covid19, but I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BEING CHARGED DOUBLE ON MY CREDIT WITH THIS ACCOUNT AND THE COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In Response to complaint # XXXX I requested that Account from XXXX XXXX be removed account # XXXX, As stated in my previous complaint-In Accordance with the FAIR CREDIT REPORTING ACT. The below listed Accounts has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Listed under Transunion " XXXX XXXX XXXX '' As listed on Transunion report Account # in question may not be the correct account number as there is a discrepancy between the account # listed on Transunion and XXXX XXXX Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX Credit Card Account Listed under XXXX " XXXX XXXX XXXX XXXX  '' The response from CFPB complaint # XXXX gave non monetary relief of In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX UN-VERIFIED AS REPORTED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE XXXX, CAP ONE AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX XXXX I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian and XXXX XXXX XXXX Identity Theft and Reporting Violations Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian and XXXX XXXX for refusing to remove late payments from my credit report despite informing them that the account was created through identity theft. I have been disputing the XXXX XXXX account since XXXX, while identity theft has been an ongoing issue since XXXX. 

Attached are the FTC Identity Theft Report and the XXXX police report. Despite these documents, both Experian and XXXX XXXX continue to report late payments. Experian has also failed to delete the fraudulent account even after conducting their investigation. This violates several federal and state laws. 

Violations : XXXX. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) Failure to provide information on how my personal data is handled. 


XXXX. 15 U.S.C. 1681 Section 602 Ensures my right to privacy in credit reporting, violated by reporting a fraudulent account. 


XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Reporting an account without my written authorization. 


XXXX. 15 U.S.C. 1666b Treating a payment as late when an identity theft dispute is ongoing. 


XXXX. Texas Finance Code 392.301 ( a ) ( 3 ) Falsely representing that nonpayment will lead to property seizure without proper notice. 


XXXX. Texas Business and Commerce Code 20.06 Rights to dispute and block fraudulent information from identity theft. 



I initially sought XXXX relief as a final attempt to resolve this issue amicably. This is my last demand before pursuing legal action. 

Request for Action : I request the CFPB to assist in having Experian and XXXX XXXX : XXXX. Remove all late payment reports related to the fraudulent XXXX XXXX account. 


XXXX. Disclose the results of their investigations into my identity theft claims. 


XXXX. Cease reporting the fraudulent account to credit bureaus. 


Thank you for your attention to this matter. 

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

I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and 2 ) XXXX XXXX account number XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX account number XXXX 5 ) XXXX account number XXXX 6 ) XXXX account XXXX and XXXX  XXXX account number XXXX and to inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them