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

I am now locked out of my account and unable to get accurate dates numerous times I sent money and the other person did not receive it but it says received which occurred 3 times in 2023 I also had to make a new account with my bank because they apparently shut down the physical app
Product: Credit card

New Information on Discover Card. This company is using unfair, harassing and discriminatory practices while trying to collect on an alleged debt from a lost card. They keep saying to provide information which as been provided as requested. What other information do they want. This investigation process is a sham. They have as much intention of helping as did XXXX XXXX in the XXXX. Everything was for show, and every accused was automatically found guilty.
Product: Payday loan, title loan, personal loan, or advance loan

I was receiving statements in the beginning and then I didnt receive anything I made a phone call in XXXX on XXXX and they said your all set no payment due till XXXX ok but I never got a statement. Why is there no payment due. No answer. This goes on till XXXX they refuse to send me statements. Can not get payment history from on line website. I was paying more than the scheduled monthly oayments still with no breakdown of Balance. In XXXX of XXXX I was given a bal to pay off on XX/XX/XXXX I logged on to my account and the balance owed was still XXXX a check was mailed. They didnt post my payment till XX/XX/XXXX. Because they tried to with draw for funds from my account after I had asked for them to stop. I was unable to over night a payment cause they have a XXXX XXXX XXXX 
I have paid this account in full and in good faith. 
I do not owe them any more money.
Product: Checking or savings account

On XX/XX/XXXX I brought into the XXXX Branch of Bank of America directly a cashiers check for XXXX dollars from a XXXX XXXX XXXX who purported to buy my XXXX XXXX through XXXX. 

I told XXXX XXXX clerk at Bank of America that this was a cashiers check, and she said that it would clear at midnight on XX/XX/XXXX. I received a note from her that there would be no provisional credit but I could use the money after midnight on XX/XX/XXXX. I then checked the balance several times during the next few days, and it always indicated that the money was in my account. Since the buyer had overpaid for the car, he directed me to use a XXXX Transfer to send XXXX dollars to be used for the transport of the car, which I did on XX/XX/XXXX, well after I had been assured and had relied on BOA that the money was in my account. Then on XX/XX/XXXX the money was debited from my account and I was told that the cashiers check was no good. However, I had done everything I reasonably could to make sure that the cashiers check was good. 

I therefore think that BOA should reimburse me for {$2500.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. [ XXXX  & XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have recently discovered unauthorized accounts listed on my credit report that are associated with your agency. After conducting a thorough review of my credit history, I have reason to believe that my personal information has been compromised, resulting in fraudulent activity. As such, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, as a consumer, I have the right to request verification of any alleged debts associated with my name. Section 609 ( a ) ( 1 ) of the FCRA states that " A consumer reporting agency shall, in response to a request by a consumer, provide to the consumer any information in the consumer 's file at the time of the request. '' Therefore, I hereby request that you provide me with detailed documentation and verification of each account, as outlined below : 1. The original creditor 's name and contact information.

2. The date the alleged debt was incurred.

3. The nature and purpose of the debt.

4. Complete payment history and transaction details.

5. Any agreements or contracts bearing my signature.

Failure to comply with the verification request within 30 days, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA, will result in a violation of federal law. In case of non-compliance, I will pursue all available remedies under the FCRA, including but not limited to reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action.

Furthermore, I request that you immediately cease all collection activities related to the disputed accounts until the verification process is completed. Section 809 ( b ) of the FDCPA states that " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt. '' Additionally, I am invoking my rights under Section 605B of the FCRA, which states that if a consumer submits an identity theft report to a consumer reporting agency and provides a copy to a debt collector, the debt collector must block the reporting of any information relating to the identity theft. I have attached a copy of the identity theft report for your reference.

I expect a prompt response within 30 days of your receipt of this letter. Please provide all requested documentation and information to me at the address listed above. Failure to comply with these requests will be considered a violation of the FCRA, and appropriate action will be taken. 

Thank you for your immediate attention to this matter. Please ensure that all communication is in writing and sent via certified mail to maintain a clear record of our correspondence. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX. At the end of XX/XX/2017 XXXX changed their contract with their billing/credit accounts. They changed to XXXX XXXX. 

Comenity sent me a notice of the change and a copy of their new contract. I had questions about the contract, but I decided to contact them after I received my next statement from them. I did not receive a statement and they contacted me about being late on my payment. 

After a short conversation, the XXXX representative made it clear they were not going to charge me a late fee or notify the credit bureaus, and that this had happened to many other accounts and was standard with such a transition. I was appreciative, and we got the statement problem corrected. Also, I scheduled a payment to XXXX for {$410.00}. The next day I scheduled another payment for {$130.00} because this was the remaining balance and I wanted the account paid in full. 

About two weeks ago I received several emails from my credit monitoring service 's. I took a look at my credit and noticed there was a late notice on my credit report from XXXX XXXX. 

I called XXXX XXXX and spoke with a service representative. They placed me on brief hold and I was transferred to a manager. There was a language barrier, however, she was extremely nice and said as a one-time courtesy she would have that late payment removed. I was very pleased this was as easy as it was. 

The next day, I received several more notices via email that I had received more late notices on my credit report. I just assumed it was the same notice. Later in the day I did check my credit report and there were two more late payment notices from XXXX XXXX, for a total of three notices. 

I immediately called the same people at XXXX XXXX and she said she followed guidance on removing the late payment and did not know why this happened. I made an effort to explain it did not work and now it seems worse. The manager explained that I would need to use the letter XXXX XXXX was going to send me to dispute the late notices through the credit bureaus. This seemed to be more confusing, but I don't think the Bank representative knew what to do at this point. 

So, I have enclosed the bank statements that reflect my payments and the letter from XXXX XXXX. I am in the process of trying to purchase a home in Florida and my bank requires that I have NO delinquencies for past 12 months.
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 price 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 or other personal consumer reports

On XX/XX/XXXX, my student loan was forgiven per MOHELA and XXXX. 

Yet, MOHELA still reports this account as open, in fact, on XX/XX/XXXX, MOHELA reported to credit reporting agency XXXX that the account is still open. 

This is not correct information and reporting the account as open when it is not, is harming my credit score.
Product: Credit card

This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. 
The account was charged off in XX/XX/XXXX in the amount {$1900.00}. 
( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. 
( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes
Product: Debt collection

This is a formal complaint against Transworld Systems Inc located in XXXX, MO. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XX/XX/XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXXand not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

I'm locked out of my account and can not withdraw my funds. The company violated their terms of service and misappropriated client funds, including mine. Now users are unable to withdraw their funds they were told were safe and still in their full ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company makes repeated calls to my cellphone and my work phone daily. They're very often less than an hour apart and consistently break the 3 times a day rule. While, yes, I realize I am behind, this is straight harassment and needs to stop.
Product: Credit card or prepaid card

I simply applied for a chase freedom unlimited card because I wanted to shop around and see what rate I would be given. I was approved and told my card would be mailed and I was given a 23.75 % interest rate. That is the highest rate possible, which is god awful. Anyway, I merely wanted to see my options and never would have sanctioned approval for a credit card with a terrible interest rate. They would have to cut that rate in half otherwise that is what I would do with the physical card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : SYNCB/PAYPAL Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX SYNCB/XXXX Inquired on XX/XX/XXXX Business XXXX : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

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

I am sending this complaint as a follow up to the CFPB in regards to these fraudulent items that I have been repeatedly request the EXPERIAN, XXXX and XXXX to kindly expunge these items below from my file. And as it have been months of repetition of sending letters of request to remove these specified items. I am humbly asking immediate assistance to the CFPB for this issue that won't seem to end anytime soon. Please see the following items that I want nothing more but to BE REMOVED from my credit reports : EXPERIAN : 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  Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding unauthorized hard inquiries listed on my credit report. Despite my multiple attempts to resolve this issue, the inquiries from the following companies remain unaddressed.
Product: Mortgage

On XXXX XXXX I applied for a cash out equity loan for XXXX. During the process of the application I paid XXXX Dollars for an appraisel report on the collaterialized property ; said property is unoccupied investment property. A 5per cent intrest rate was quoted by the loan officer that would expire on XXXX XXXX 2017.Ipaid the XXXX dollars to Whitney Bank on XXXX XXXX. On Thursday XXXX XXXX I was told by the loan officer the report from appraisal as property in " fair condition '' .According to loan officer the underwriter needed property to be in " average condition '' Today I was told { three days before my interest rate would expire } the appraiser would not update property from fair to average because utilities were not on. I was not made aware of these requirements for loan approval otherwise the 45 days that passed from start of loan application I would have had these requirements addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to remove from credit report. Identity proof.
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 inaccurate.
Product: Vehicle loan or lease

After Repo I would like records of how much vehicle was sold for at auction and adjust left over payments if information not receive in 30 days please remove off credit report because it is reflecting my credit score to purchase another vehicle.
Product: Money transfer, virtual currency, or money service

Accidentally sent {$540.00} to a stranger, Transaction ID  XXXX, immediately ( Within a few minutes ) I contacted Venmo by voice and chat and all said nothing can be done. This is abusive, I am an elderly user and need help getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit repair company has failed to respond to my compliant and there is still unverified and inaccurate information on my credit report.