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

On XX/XX/2018 I wrote to Experian ; XXXX  and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX  XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.
Product: Debt collection

I received a strange text message from MRS BPO LLC saying I owe XXXX {$760.00} and theyre trying to collect a debt. I do not owe XXXX anything. I have an automatic monthly payment with them that Ive had for many years. This is clearly fraud. And they need to stop contacting me. I dont owe anyone anything. 

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

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED,  DEPTEDNELNET, XXXX XXXX XXXX, XXXX, Inquiries : 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 CARD, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm filing this complaint XXXX. 
They have not closed this account as a write-off yet, cleared it from my credit report, or sent me a letter regarding this. 

XXXX Last reported XX/XX/XXXX {$5500.00} Reported balance Credit limit {$4400.00} You're using 124 % of your account 's limit OVERVIEW Credit limit {$4400.00} Minimum monthly payment -- Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 64 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$5500.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Account closed by credit grantor Account closed by credit grantoXXXX XXXX XX/XX/XXXX days late XXXX Closed and still claiming the best selling it off to creditors. 
XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit reports that I do not recognize or owe money. Equipment for an account that I had with XXXX was returned in XXXX. I have spoken to XXXX and the confirmed that the equipment was received. The advised me to dispute the collection with my credit reporting agencies ; I have done so but they replied that this debt meets their reporting requirements.Now I am being asked to pay {$290.00} to a collections agency ( Credence Resource Management ).
Product: Mortgage

I was working on getting approval for a reverse mortgage on my condo from Finance of America-Reverse ( FAR ), when they introduced a new document to be signed and notarized by my neighbor, who has no interest in helping me to get a reverse mortgage and would not sign such a document. Essentially, FAR gave my neighbor the power to deny me a reverse mortgage. 

I dont believe FAR was acting on some hidden reason and deliberately trying to deny me a reverse mortgage by introducing this new requirement. They explain their reasons for it in the attached email, given the situation where my condo is one unit of a 2-unit condominium building, and my neighbor owns the other unit. Nevertheless, the way it worked resulted in denial of a reverse mortgage for me, based upon nothing but the whims of a disinterested outside party, my neighbor. 

Further, FARs new document was superfluous. My neighbor was already bound to everything in it by the XXXX XXXX XXXX of the condominium, a copy of which FAR had been given, plus a separate agreement regarding a split of utility costs, which was forthcoming.
Product: Credit card

XXXX XXXX Customer Srvice XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX On XXXX XXXX, 2015, I was approved for a XXXX XXXX credit Card. I made a purchase of {$2300.00}. the items were deliver but the coffee table was damage. I called Marlo to have this item repair or replace. They refused. I contacted the Bank that I am disputing the charge for the coffee table ( {$90.00} ). The bank is saying that they are unable to resolve the issue because Marlo furniture has done nothing wrong. I am not asking for a free item but all I have been asking for is to have the product free of damage and not a hazard for my XXXX years old daughter.
Product: Debt collection

Swiss Colony/Montgomery Wards continues to validate a debt I don't own. The creditor continues to report inaccurate information to XXXX.
Product: Money transfer, virtual currency, or money service

I recently made I Coinbase account weeks ago. And I fully verified my account with my driver 's license from Ohio. And now just recently they made my bank transfers set to XXXX $ when just the other day when it was XXXX $ a day. And there response to that was 'We can not offer you higher purchase limits for your payment methods in your region due to current regulations. We cant guarantee that your limits will be raised in the future, but we will continue working with local governments to improve our customer experience moving forward. ' Email linked to my Coinbase account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized inquires that I did not authorize or apply for. 

I have also attached my FTC report with inquires I did not authorize. 

Please see the inquires below that I did not inquiry on XXXX, XXXX and TransUnion. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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: Debt collection

I received a debt collection letter from PAID IN FULL located in XXXX, AZ. I disputed the debt. I provided a copy of the receipt from the dealership. They responded very quickly and stated my receipt wasnt enough and they need a copy of the check. This was a debt from 2015 and my bank doesnt have a copy of the check because its over 2 years old. They refused to remove this settled debt from my credit report. I dont know what else Im supposed to do.
Product: Checking or savings account

I purchased 2 apple gift cards one for {$200.00} and one for {$500.00} at XXXX. Scammers already had the gift card info somehow cause i guess thats what scammers are doing and they took the money as soon as it was loaded. I dat at XXXX for an hour and a hslf and called apple while i was there and they said i have to call the bank and report fraud to get my money back. They also said to file a report with you. XX/XX/2022. My name is XXXX XXXX. 
Contact XXXX
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 confidentially under 15 USC 1681 : Account name : USDA Rural Development Account number : XXXX ; Account name : XXXX XXXX XXXX Account number : XXXX ; Account name : XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Product: Checking or savings account

I opened a high yield savings account several months ago. 
I have attempted to withdraw money from the account and was told my accounted was restricted. 
I was told by the person I spoke with that she would place a note in file and I should get response in 7-10 days.

I waited and received no response I called again and advised that I would like to close the account and get a refund of my money via check The person I spoke with told me the account was closed and I should receive the check in 7-10 days.

Ten days later, I never received the check. 
I called the bank again and advised them I didn't receive my check. 
The person at the bank advised that the account is not closed and remains restricted. 
Again the person put note to advise of the problem and asked me to call back in 7-10 days. 
I received a bank statement at XX/XX/23 with a beginning balance of {$5900.00} as of XX/XX/23 Interest earned : {$21.00} Ending balance of {$5900.00} I called the bank again very upset because I could not receive my money. 
I told the person I talked to and again she told me that my funds were restricted. 
I explained to her that is my money and it is not right that it is being kept from me.. 
I tried to stay calm and I asked to speak to someone in charge and she hung up on me. 
I'm a XXXX XXXX  with an ill husband I'm caring for The doctor and care bills are going up. 
I need my funds. 
I'm very upset Please help me
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the fraudulent account that is still appearing on my credit report. Despite my previous efforts to resolve this matter, the erroneous information continues to negatively impact my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this today because I unfortunately have been dealing with a collection agency who completely violate my right as a consumer. I first contacted HP Sears about an item I found on my credit report from them. Upon contacting them they responded only once and have yet to respond to me the second time. I have given them 45 days and counting and still have not received a reply back from them. They are trying to ignore me and my rights as the consumer as they are choosing to deliberately ignore me and my request.
Product: Credit card

I paid my credit card down by a XXXX XXXX checking account on XXXX. I was told my funds would be released XXXX. They were not. On XXXX I called and was told funds would be released XX/XX/XXXX. They were not. On XX/XX/XXXX I was told by two different representatives that my funds would be released XX/XX/XXXX then XX/XX/XXXX and XX/XX/XXXX. I canceled another pending payment from XXXX XXXX for XXXX dollars as I will not give them any more money until they show me restored credit and provide documentation as to why they have prolonged my funds. XXXX XXXX is open till XXXX PAC Time and they tried to make an excuse the bank was not open to call each time and they were not allowed to provide documentation. Where is my money?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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: Checking or savings account

On XXXX {$1900.00} was taken out of my navy Federal  account the merchant was neighborhood XXXX in XXXX XXXX XXXX when I noticed the charge I called my bank to dispute the charge a provisional credit was given to me then taken back on XXXX I don't know who made this transaction and I reported it in good faith now the money was taken back from me and my account is in the negative which has never happend as long as I've been a customer I am now reporting this fraudulent transaction and reporting my bank because they are basically holding me responsible for a transaction that I did not authorize.
Product: Payday loan, title loan, or personal loan

I received a XXXX loan from Bank of America in XXXX of XXXX. The loan was for {$12000.00} I am now eligible to apply for loan forgiveness. However, when I access the loan forgiveness webpage on Bank of America, the maximum forgivable amount is {$11000.00} and can not be changed. I believe this amount to be incorrect. The correct amount should be XXXX XXXX of the loan or {$12000.00} I have contacted Bank of America multiple times regarding this issue and have had no response as of yet. It has been XXXX weeks since I initially contacted them regarding this.
Product: Credit reporting

I have XXXX credit inquires on my credit in which I did not authorize : Equifax 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 and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Checking or savings account

I had a failed transaction at a Chase bank ATM where I was charged for a withdrawal the machine did not dispense or provide a receipt for. 

On XX/XX/2018 at approximately XXXX I attempted to withdraw {$100.00} cash at a Chase bank ATM at XXXX XXXX XXXX XXXX in XXXX XXXX , though I do not have an account with them. 

The transaction went normally until the machine failed to dispense the cash when it indicated it would. The cash dispenser did not open and the receipt was not printed out. The people in line behind me at the time declined to use this ATM because they saw this happen. 

When the bank employee opened for the day at XXXX I spoke to him about my problem with the ATM and he told me the machine seemed normal. He also said there was nothing he could do to refund, and that it was me and my bank 's problem to be resolved between us. He would not have the machine inspected or the security footage checked which would show the malfunction. 

I called my bank ( XXXX ) the same day to report this malfunction and it was confirmed that it was indeed logged as a successful transaction which would debit my account. The incident is still to be discussed with them pending weekday business hours this Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please furnish written proof and documentation of where I was provided assessed a late fee to the account which I never received that precedes and notifies a consumer in-advance prior to a 30 day late being placed on a consumers credit report. I never received nor was assessed with any late fee and or any past due notice from this company. The account is current and was current on as of XX/XX/2022 billing cycle therefore the 30 days late is inaccurate information being reported on my credit bureau file and should therefore be deleted from my credit bureau file. Please remove the late payment or delete the account XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX Loan # XXXX In accordance with the Fair Credit Reporting Act 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 an 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
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Complaint Against Truist Bank for Discriminatory Treatment** Dear Sir/Madam , I am writing to file a complaint against Truist Bank, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I went to open a bank account, and I was treated unfairly. I showed my ID, but the bank staff said it didnt feel real and questioned my identity. I then showed two more IDs, but was still asked to leave, with a threat of police involvement. The bank employee in question is XXXX XXXX. 

I believe this was based on my XXXX  XXXX heritage and the XXXX  XXXX  I wear. I wasnt given an explanation or a chance to fix the issue. I was simply told to leave. 
I am asking for an investigation into this incident, an explanation from the bank, and a monetary settlement for the distress and humiliation I experienced due to their actions.. 

Please let me know if you need more information. You can reach me at XXXX or XXXX Thank you for your attention. 

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

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). My credit report has not been updated since XX/XX/year>, despite regular updates from creditors and the other major bureaus, XXXX and XXXX. This prolonged inaction is unacceptable, especially given that I have provided all necessary documentation and have attempted to access my account multiple times to resolve these inaccuracies. 

Equifax 's failure to update my credit report has caused severe harm to my financial standing and reputation. Despite having credit scores above XXXX with XXXX and XXXX, the outdated and inaccurate report from Equifax is creating significant barriers for me. This negligence blatantly disregards the FCRAs mandate to ensure that consumer credit reports are accurate and updated in a timely manner. 

Furthermore, I have faced repeated denial of access to my Equifax account, despite correctly answering verification questions. This obstruction has prevented me from monitoring my credit report, disputing inaccuracies, or ensuring compliance with federal law. XXXX conduct represents a systematic failure to uphold its responsibilities to consumers. 

Desired Resolution : Immediate Update of My Credit Report : Reflecting all changes, including the removal of collections as previously requested by creditors. 
Restoration of Account Access : Allowing me full and unrestricted access to my Equifax account. 
Compliance Certification : A written statement confirming XXXX adherence to FCRA requirements, including timely updates to credit reports and transparency in dispute resolution. 
Legal Notice : If Equifax fails to resolve these issues within the XXXX XXXX period, I will escalate this matter by filing an Affidavit of Truth and initiating litigation for damages caused by their gross negligence. I will also seek penalties for XXXX failure to ensure timely updates and account access, which violates federal law. 

Equifax must understand that its continued disregard for consumer rights carries serious consequences. I am prepared to hold Equifax fully accountable for the harm inflicted on me, including reputational damage, financial losses, and emotional distress. Punitive damages will also be pursued to deter such conduct in the future.
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 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 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

On the XX/XX/XXXX I attempted to make a mortgage payment for XXXX with XXXX Mortgage. On the XX/XX/XXXX I received a call that they were not able to receive payment due to a missing digit on the account. I paid the XXXX payment that same day for {$1300.00} then on XX/XX/XXXX I made the XXXX payment. My mortgage payment is {$1200.00}. Equifax is reporting that I missed a payment and I 'm 30 to 60 days behind and my score fell XXXX points. They also have my account balance for almost {$10000.00} more than it actually is. I believe Equifax does not verify information before they add it to your credit report and when it is disputed they provide no information that the information they receive is correct. If anything since the funds could not be received for the XXXX payment I would be a month late but I am not two months behind on my mortgage and I do not owe the mortgage company any money. I have a VA loan and XXXX has to report to them. If Equifax would have conducted a proper investigation they would know that the information they have on my credit report is wrong.