23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I reported a fraudulent transaction on our checking account to Regions Bank. On XX/XX/XXXX, I found that no action was in process and returned to the bank to complete a claim they then said was necessary to start action. After numerous calls, visits, and letters they finally issued a provisional credit on XX/XX/XXXX. As of this date, approximately four months since this was reported, no final resolution has been provided.
Product: Credit reporting or other personal consumer reports

my account XXXX was never late i had exceptional payment with history with XXXX XXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment.
Product: Credit reporting or other personal consumer reports

i have received my disclosure from XXXX and XXXX XXXXXXXX said it comes back verified as accurate when the issue is XXXX doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ XXXX XXXX  and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.
Product: Debt collection

I have challenged the accuracy, compliance, and reportability of this listing. 
I've asked that this debt be validated with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus withthe required disclosure within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with the proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my Equifax credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations.
Product: Checking or savings account

On XXXX/XXXX/XXXX my account was overdrawn while I was very ill. I hadnt noticed this until XXXX when I replenished my account and also out of the hospital. I can not afford the overdraft fee and while I tried to explain my circumstances to a phone banker, she refused to take my illness as an excuse. I fully understand US Banks overdraft policy, however I believe {$36.00} is extremely egregious. Overdraft fees effect low income individuals the most, so such an expensive fee is very taxing on individuals at that income level. I dont think its fair that such a high fee can be assessed, without any room for budging for difficult life circumstances. To US Bank : life happens to everyday people, and to profit so greedily when your customers are literally in the most financially difficult time ( and in my case, most difficult medical time ) is both upsetting and deeply difficult to handle. I can not afford these fees, you are profitting tremendously, and your lack of human compassion is extremely troubling.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 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, credit repair services, or other personal consumer reports

Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$21000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Later XXXX / Early XXXXXXXX XXXX XXXXXXXX a notice was sent to me by Sunlight Financial regarding a new payment system they were going to have moving forward. It said no action was needed by me and the loan would be transferred to the new system. XX/XX/XXXX the new loan was transferred to the new system. I received a bill and the bill set it was setup for auto pay so I didn't worry about it and moved on. 

Around XX/XX/XXXX I got a notice from my bank saying my credit score had dropped about XXXX points and needed immediate action. I looked into it and saw that I had 2-3 missed payements from Sunlight Financial. I immediately started pulling statements and noticed everything was correct on the statement INCLUDING that the amount would be debited from my account for each billing cycle.

I contacted sunlight and they did some research and apparently their was an issue transferring my loan to their system. They waived the two months of fees and I made my monthly payment.

The issue was that I was two months behind. I have gone back and forth with Sunlight since then saying that I want them to post my two payments for the two months that THEY missed so I would not have two months of interest.

I have paid each month manually ( even though my statement still says autopay enabled ) since the incident and have continually reached out to them with no luck. The latest agent, XXXX, was fantastic. She said she was going to get everything adjusted and get back to me. This was in XXXXXXXX XXXX XXXXXXXX. ( Yes, a year after their screwup ) XXXX emailed me on XX/XX/XXXX saying " Hello XXXX, Just wanted to reach out and assure you that your issue is being addressed and I collaborating with others regarding our conversation. Please allow me more time to work on this. Thank you, XXXX '' I have since replied twice and got no response. This have changed my credit score, it's made me unable to get a new credit card because " I'm in collections/ have issues on my credit score '', etc. I'm over it. This should not be allowed. My credit score is not a game for Sunlight Financial to play with. Please let me know what documentation can be submitted so we can get this fixed. Thank you in advance for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hippa rights has been compromised XXXX XXXX XXXX and XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right of privacy which both company has violated 15 U.S.C 1681 section 604 Section 2 It also states a consumer Agency can not furnish a account without my written permission which has also violated They also said the information has been verified and did not send me procedure of the investigation and binding signature that I had a contract with XXXX XXXX XXXX due to all the violations XXXX XXXX XXXX has violated I'm requesting the accounts be deleted of my XXXX credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Due to the unforeseen financial hardships and personal hardships I have faced due to the global pandemic, I failed to make my payment on my Ann Taylor store card issued by Comenity Bank. I would like to add that on multiple occasions I have asked Comenity Bank about auto pay options which they do not offer. When I realized the payment was missed I immediately paid my balance in full of about {$180.00}. On XX/XX/XXXX, I contacted customer care for Comenity Bank to ask if they would remove the negative reporting form my credit report in good faith as I have been a long time customer and only missed the payment because of the extenuating circumstances. The phone representative advised I should write a message online and that would be taken care of. I sent the message and got a response on XX/XX/XXXX stating I need to write a letter of dispute. I responded and said this seemed like a bit of an extreme to make a customer go through. I have been in contact with all my creditors recently and all have offered assistance immediately. Why Comenity feels the need to make a customer go through such a process for a simple {$180.00} store card bill seems very ridiculous in this mass hysteria the country is in. I ask that the negative reporting be removed from my credit report as I have paid off my full balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report as I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts and inquiries be removed from my credit file : XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Unauthorized Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Faie Credit Reporting act XXXX  XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  to the following Accounts # On Experian 1XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX  acct # shows 2 late payments 3. XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 
Each of the 3 major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.
Product: Credit reporting or other personal consumer reports

Equifax did a XXXX report update on my account as of XX/XX/year> and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more.

They are showing a XXXX  XXXX account ending in XXXX with a balance of {$110.00}. And they account was paid in full as of XX/XX/year>. The account has a credit of - {$6.00} from an overpayment
Product: Mortgage

On XX/XX/2023 l received a letter that no partial payments are accepted. I applied through the state of Florida DOE program and they are paying my mortgage. At the time l applied my mortgage was less {$47.00} but somehow my mortgage Escrow increased. Im not sure why and no one has explained. However, the state of FL DOE has made payments on my behalf and l was paying the difference. But now XXXX XXXX is sending the payments back and rejecting payment because its lesser {$47.00}. I have attempted to pay the difference but have been faced with the bank stating no partial payments will be accepted. This is absurd and l feel like the bank is trying to force my home into foreclosure by not accepting payments from the state and l pay the difference. They also have my cgecking account on file but are being very nasty. I may have to resort into taking them to court if no remedy is sought or reached. I feel they are being evil and nasty.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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