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

The XXXX, Equifax and XXXX Credit Bureaus are reporting inaccurate information in the following accounts and inquiries. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
INACCURATE ADDRESES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On multiple occasions I reported fraud to cash app for multiple fraudulent transactions. On XX/XX/2022 I reported a transaction of {$10.00} it was never investigated. On XX/XX/2022 there was a transaction for {$30.00} that was never investigated. In XX/XX/2022 there was a {$96.00} transaction that I did not authorize and that after multiple attempts to get assistance I received a denial for without any other contact. On XX/XX/2022 a {$130.00} was made. After I reported it I dont hear anything from months until I reached out and was told the claim was denied. In all of these claims I had not made the transaction and informed cashapp of the issue but could only text them through support that took weeks and up to 3 months the to answer a question. After 45 days I inform support that I should get a credit at that point and thats when they miraculously find my case and its Denied. Including on XX/XX/2022 when I Informed them my account was hacked and received no help at all. Any time I asked for Help or had evidence I would be dismissed or not able to reach a live person.
Product: Debt collection

I am writing to dispute certain information on my credit report related to the accounts mentioned below. I have been informed by the respective banks that the discrepancies are due to internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$1300.00}. I have attached supporting documentation to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I am aware that the Fair Credit Reporting Act ( FCRA ) requires you to complete the investigation within 30 days. I anticipate your prompt response and the correction of the inaccuracies in my credit report.
Product: Credit card or prepaid card

I have been trying for the last 9 months to dispute two fraudulent accounts opened in my name with Discover credit, the keep tell me that they don't show these accounts fraudulent and they can't explain or provide me with proof.
Product: Credit reporting or other personal consumer reports

Despite my lack of authorization, these surveys are considered to be fraudulent. I strongly recommend that you do a thorough investigation and remove them from my credit report immediately. I have provided documentation to support your review..
Product: Debt collection

I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX : XXXX I am disputing this claim as the information is no longer in existence. This is my official request to have the aforementioned item to be deleted off my credit report. this information was an discharge
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

i sent the XX/XX/2018 mortgage payment for {$840.00} and it was returned
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b it is illegal to report any information on my credit report without my permission.please remove this item from my credit report.thank you. 


XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I am submitting this complaint because Southwood Financial Trust I, through its collections agency XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, has failed to provide me with the documentation I requested, which includes proof of the charges they claim I owe and evidence that they properly communicated with me before initiating legal action. 

On XX/XX/XXXX, I was informed by Southwood Financial Trust I that they purchased my loan from XXXX XXXX, but I never received any prior notice of this transaction or any communication regarding this debt. 

They claim that on XX/XX/XXXX, they sent a notice to my address. However, I never received this notice nor any other communication until XX/XX/XXXX, when my mother ( the cosigner ) received a letter and informed me about the lawsuit. She did not give me the letter until after the court date in mid-XXXX, which was already too late to address the matter. 

I have requested documentation from Southwood Financial Trust I regarding this debt, including proof of communication and evidence that they followed proper procedures in notifying me about the lawsuit. To date, they have provided no proof or substantial documentation, only vague and generic responses to my follow-up inquiries.

I am requesting that Southwood Financial Trust I be required to provide me with all relevant documentation regarding the debt, including proof that they sent notifications to me prior to the lawsuit, and to cease any further legal action until this matter is clarified. If they fail to provide this information, I will be forced to file a motion to vacate the judgment.
Product: Debt collection

Few days back, I received a call from Alliance One that I have some debt from XXXX? 
There is a FCC dispute being filed that XXXX is charging me for full month of service even when the phone was disconnected with a week. There were no signals. XXXX never provided any response for this FCC complaint. Instead they sent it for collections for unaccounted money without any explanation. 
I asked this Company, Alliance One, to send me the specific details but till now no response.
Product: Student loan

I have made 4 separate calls to Ed Financial starting on XX/XX/2022 regarding a refund of payments made during the pandemic. The first two calls I was told it would be 150 days minimum to process the refund. On the third call I was told it wouldnt take 150 days and that 90 days was the maximum. On the 4th call I was told it wouldn't be automatically refunded. 

On the 4th call I also had to press multiple times for the customer service agent to provide me with my original request date. This along with a constant refusal or inability to provide email confirmation that a request was submitted is crazy to me. This level of delivery of inconsistent and unverifiable information is something I have never experienced in 13 years as a borrower or 8 years in financial services. 

On top of this, I am seeing online that every other service provider is able to provide a reasonable time line for loan reinstatement and refund, while it is required to submit a complaint before any movement occurs for Ed Financial. 

I would like to see my balance reinstated and the payments refunded in a timely fashion, not a nebulous and unconfirmed 120 day then 150 day, then 90 and then automatic time frame.
Product: Credit card or prepaid card

Amex never sent the notice or explanation of why I reduced my limit from XXXX to {$700.00}.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Transunion didn't ensure these accounts were reporting 100 % correct. Transunion has continued to show no regard for and disrespect for the law. In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Transunion stated that the accounts listed below were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 
( XXXX XXXX XXXX ) This is not accurate 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: Debt collection

I had received several calls multiple times per day about this account. I had adv the company multiple times this was not my debt and would like to dispute. I advised the company the address they have on file was not my valid address and I have never had there service. They told me I don't know why you are trying to run away from the debt they will set up a payment plan for me to pay or else will forever remain on my credit. 
I asked the company to provide me with the following to validate the debt : Please provide the following : Agreement with your clients that grants you the authority to collect on their alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor Any insurance claims made by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file for alleged debtor Alleged account number, Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting alleged debt. 
Commission for debt collector if collector if collection efforts are successful. 


On XX/XX/XXXX or XX/XX/XXXX I sent a certified letter to the company mailing address. They received and picked up the letter and signed for the letter on XX/XX/XXXX. I asked in the letter to validate the debt and asked for several pieces of information to be provided to me. They have yet to validate the debt and prove the debt is mines.
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 an address fraud on their platform leaving my account vulnerable and unprotected. Further, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant Inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I received what I though was a fishing scam. I received a thank you card from advance america. I discarded it moved on. Recently I have received multiple calls from Advance America stating I owe money. Initially I again thought this was a fishing scam since I have never applied with this company. Yesterday they called and I spoke with a woman ( XXXX ) who wanted me to confirm my social-I was obviously not going to do this. When I got home from work, I received a notice via XXXX to cure default. Today I called Advance America ( spoke with XXXX ) and they stated there was a loan taken out in my name with at least the last 4 of my ssn. I have not ever taken a loan out from this company and would never. I have attached the notice that was sent. And am currently working to file a claim with company as well as the CFPB. Please advise on how to move forward.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX is paid in full and they suggested to the bureaus for removal item from credit report and they have yet to remove they refused to remove I have documents stating that removal is requested
Product: Debt collection

On XXXX XX/XX/2021 my XXXX XXXX XXXX XXXX was fraudulently charged {$130.00} to XXXX XXXX NH. I immediately called the number for XXXX XXXX and refuted the charge. The agent I spoke with refused to verify the address provided for this charge but did verify the name on the account as mine but the email and billing address were not. I informed them I would dispute this with my CC holder and report as fraudulent but the XXXX agent did not agree to open a fraud case. 

XXXX refuted the charge on my behalf and I was forced to cancel the credit card due to it's compromise and I was reimbursed for the fraudulent charge. Subsequently, XXXX has engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to place a collection as a debt buyer for the amount of {$1500.00}. 

I have never received any written communications identifying the contract, addresses or phone number for this supposed debt. I did receive a formal letter from XXXX identifying the investigation into my fraudulent complaint as a valid fraud and I was reimbursed the charge.
Product: Checking or savings account

I opened an savings account with credit karma. On XX/XX/XXXX I transferred XXXX dollars then again on XX/XX/XXXX I deposited XXXX dollars then another XXXX dollars. The money came out of my main account and the balance also reflected on my savings account, but when I went to withdraw money it told me that I could only withdraw XXXX  cents. I contacted credit karma through online chat because they dont have a phone number for customer service and they told me I need to contact my bank for help.
Product: Checking or savings account

My name is XXXX XXXX and I currently have a Business Account with Bank of America, " XXXX XXXX ''. I have over {$5500.00} of overdraft fees in the last three months and a  larger amount totaled over the span of being a so called " Loyal Customer ''. I believe their is a flaw in their XXXX XXXX, which they have purposely planted, that manipulates personal accounts also called in the business world as " Petty Pinching '' where they attack small account with petty amounts at a time where there is no option for the customer to regain their money. This amounts to over millions of accounts, which ( {$35.00} ) simple overdraft fees could help with their corporate stocks immensely with free money stolen from their own customers. I need help suing Bank of America for my money back and to stop " Petty Pinching '' from affecting others in the future. They are aware of this buy either play XXXX or are blind to the situation from the inside of their corrupt corporation. I also believe that with the help of some tech savvy guys they could find the exact flaw in the system.
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries on these dates XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First off I was never aware of this debt until it was too late and in collections which I tried to dispute with them, they were extremely disrespectful to me when I was just trying to explain what happened, then I said would be willing to pay money down then monthly installments but that was contingent on them giving me a letter that they wont report it to the credit bureaus if I pay it off, this debt could destroy my credit and it should never of been placed in collections. They refused to provide a letter. Ive also had 3 phone calls at my workplace
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to Portfolio Recovery and carbon copies to XXXX and XXXX requesting the following : 1. Documentation verifying that I am the debtor, such as a copy of the signed contract or any other agreement showing my responsibility for this debt.

2. Account details and transaction history, including a complete payment history, the original balance, and any fees or interest that have been added.

3. Proof that your agency is legally authorized to collect this debt, including documentation of your legal standing as the debt owner or the collector on behalf of the original creditor. 

On XX/XX/year>, I received by mail a copy of a billing statement from another company not them or any other document requested. I explained this to XXXX XXXX and XXXX Credit reporting that they were reporting erroneous, negative, information. No response and it is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I am writing to you about the illegally fraudulent act of a inquiry on my credit by Nicholas Financial Inc XXXX, OH ( XXXX ) XXXX This illegal activity Nicholas Financial performed on my identity was around XX/XX/2018. 

I called the manager of the branch and spoke to a gentlemen named XXXX and asked him why did he pull my credit, and he stated To get your attention regarding a change in your personal information .. I have a great track of payment record and this was an unfair act that hurt me. I want us to take action and justice and seek damages regarding this company illegal act. 

This has caused me pain, stress and sorrows. This fraudulent act by this company caused damage to my credit FICO and has dropped my FICO score over - 100 pts causing me to lose the opportunity to purchase a home for my family and kids and also hurt my chances of me closing on the personal loan to help my family. Please, I am asking for you to remove this hard inquiry from my credit and help me take justice to this company. I do not want others to be affected but this illegal threatening way of practice. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$660.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter XXXX on XXXX XXXX. 
I got a letter from commentiy that I had a credit freeze on my XXXX credit bureau ( which I never heard of until today ) I called XXXX to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with XXXX. 
I spoke to a accounts person ( jenniefer ) at Comenity about this issue and they keep telling me they can not do anything about it. 
Comenity was extremly rude to me on the phone
Product: Money transfer, virtual currency, or money service

My account has been un accessible for almost XXXX  months. I have been requesting since XXXX of last year for access without resolution. Its been so long I do not remember my balances. My last request was XX/XX/XXXX and all I get is templete auto emails/