23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. XXXX and XXXX Please delete the following accountsXXXX. XXXX XXXX {$10000.00}. XXXX XXXX XXXX {$660.00}. XXXX XXXX XXXX {$660.00} XXXX. XXXX {$2000.00}. XXXX. XXXX XXXX XXXX {$4600.00} XXXX. XXXX XXXX {$66000.00} XXXX. XXXX XXXX {$66000.00}. XXXX. XXXX XXXX {$5700.00} XXXX. XXXX {$10000.00}. XXXX. XXXX XXXX {$31000.00}. XXXX XXXX {$2200.00}. XXXX. XXXXXXXX {$560.00}. XXXX. XXXX XXXX {$3400.00}. XXXX. XXXX  XXXX XXXX {$7000.00}. XXXX. XXXX {$500.00}. XXXX. XXXX {$720.00}. XXXX. XXXX {$1600.00}. XXXX. XXXX {$3700.00}. XXXX. XXXX {$690.00}. PLEASE REMOVE ALL THESE ACCOUNTS FROM MY REPORT PLEASE.
Product: Credit card

XXXX XXXX XXXX XXXX  XXXX, XXXX, 2024. I was wrongfully reported to credit union due to delinquency when Im paying my account. The company did not inform me or warn me. I am not delinquent, I try to pay them and paid full amount but they still reported me as delinquent.
Product: Debt collection

I was charged a fee that has no contractual obligation by XXXX XXXX XXXX in XXXX XXXX  I owe them a portion of the debt, but XXXXXXXX XXXX of the XXXX XXXX debt was added despite the fact that I followed the contract when leaving the apartment. I performed the actions required by the lease, and inquired about any steps not mentioned in the lease. I was ignored. When Genesis contacted me, they would not investigate my claim that I did in fact follow the letter of the contract, and told me that they would not communicate via email, even though XXXX XXXX XXXX XXXX. They are hurting my credit and misusing the credit reporting system. They currently are refusing my request for the recorded call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus last XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I made a purchase of {$850.00} using my Cash App card, and the money was deducted from my account. However, on Saturday, XX/XX/XXXX, I noticed that my Cash App balance had gone negative by - {$850.00}. Confused, I checked my account and saw that an unauthorized transaction for {$850.00} had taken place at XXXX XXXX  that morning. 

I immediately reached out to Cash App support, but instead of speaking to a representative, I was directed to a bot that told me to submit a form for investigation. I was also informed that it could take up to 45 days to resolve the issue. 

This situation is creating a serious financial strain on me and my family. I rely on my Cash App to pay important bills, and with my account in the negative, Im unable to meet those obligations. This is affecting our daily life and causing a lot of stress. I need this issue resolved as soon as possible and am requesting compensation for the difficulties and damages this has caused.
Product: Credit reporting or other personal consumer reports

I been requesting the validation of late payments history I ask for the verification of late payments history with proper documentation under 15 U.S.C. 1666 i have right to request documents there a discrepancy how the account being reported and if you can not verify it the late payments notation must be removed immediately with compliance with the fair credit billing act 15 U.S.C. 1666 if account cant be verified I request account to be updated to reflect paid as agreed never Late to ensure my credit report accurately represent payment history
Product: Credit reporting or other personal consumer reports

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 violation.
Product: Debt collection

I received a copy of my credit report and saw that an account was wrong. I previously sent a letter requesting they update me with a copy of my account statements and I received my Certified letter back in the mail last week that I sent on XX/XX/XXXX. I spoke with a rep and he said they can't provide the statements without me asking in writing. I explained what happened and he gave me an updated address. I have written letters to the company and the credit bureau since XX/XX/XXXX with no response on this account. 

I need a copy of my statement because I'm sure I paid on this account. I had XXXX children while working on my credit and that is why I fell behind but I know I put down a deposit to get the card and I paid more afterward. When I look at my report the information is different. The high balances and don't add up to the current balance when you consider the deposit. They are different for all the bureaus. They range from {$0.00}, {$140.00} and {$220.00}. There has to be something missing. 


I also called the collection agency that the rep told me to reach out to, to request the same info and they said that it is a prepaid debit card when it is a secured credit account. A prepaid debit card is different from a secured card. 

I feel like they are passing me around and I need help so I can buy my house. 

I would pay if it is shown I owe the account but they refuse to provide me with the statements and a letter with a balance isn't enough. The balance on the credit report doesn't add up and the balance that is on my credit report is different from the balance that the collection agency told me on the phone. The report says {$140.00} and the collection agency has {$140.00}. 

Can you all make them send me the statements for the time I had an account with them or is there anything that I can do?
Product: Credit reporting or other personal consumer reports

Dear CFPB, I discovered inaccuracies on my Experian credit report that I believe are negatively affecting my credit score. Specifically : late payment for XXXX on is listed incorrectly, even thou I have been making my payments I filed a dispute with Experian on XXXX through their online porta, CFPB, over the phone and Certified mail and provided documentation supporting my claim. However, Experian stated that the information was verified, but did not correct the errors. This is causing harm to my credit score and impacting my ability to, qualify for a loan, rent a home. I am also in the process of buying a home for me and my family but this is enabling me to do so. 
I believe Experian failed to conduct a proper investigation as required by the Fair Credit Reporting Act. Additionally, I have reason to believe that these errors were reintegrated into my report without my notification, which violates the law. 
I am requesting that the CFPB intervene and require Experian to : Conduct a thorough investigation of my disputes. 
Correct all inaccurate information. 
Notify me of the changes and ensure these errors are not reintroduced in the future. 
I have attached the following documentation to support my complaint : Copy of the credit report showing the errors. 
Proof of payments and correspondence with the creditor. 
Dispute confirmation from Experian. 
Attachments Credit report with errors highlighted. 

Copies of disputes and responses from Experian. 
Desired Resolution I want Experian to remove all inaccuracies from my credit report, ensure the errors are not reintroduced, and provide a formal confirmation of the resolution. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. These inquiries were not authorized by me and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bailey Act ( GLBA ). 
The specific inquiries in question are as follows : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Television & Radio ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Credit Card XXXX. 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Report. Agencies XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX CRED Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX XXXX  Under 15 U.S.C. 6802 ( GLBA ), financial institutions are required to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Additionally, under 15 U.S.C. 1681b ( FCRA ), a consumer reporting agency may furnish a consumer report only under certain circumstances, such as with the consumer 's written consent. 
I did not provide consent for these inquiries, and they were made without my authorization. Therefore, they are in violation of the aforementioned statutes. I request that you investigate this matter and remove these unauthorized inquiries from my credit report immediately. 
Enclosed, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any other relevant documentation to support my claim. Please confirm in writing that these inquiries have been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

That card was opened up in my name without my consent. This card is an unauthorized card and was opened up as fraud in my name and personal information. I been trying to get this resolved for years now.
Product: Credit card

Apple had a promotional offer on their credit card that stated directly from their website that I showed to their own representative at the time of and even took the screenshot from their website when I was needing assistance for them to see themselves, the offer stated Now through XXXX, get a new Apple Card using the 'Apply now ' button below and earn {$100.00} Bonus Daily Cash when you spend {$500.00} or more within your first 60 days of account opening. ' which I showed them and they would constantly just say thats weird or whatever and I completed all their requirements for the promotion and applied during the promotion time period which Im sure they can see etc I started asking on XX/XX/XXXX and contacted them multiple times in between trying to resolve it and on XX/XX/XXXX a representative XXXX said that is weird and he will take care of it and apologized saying it wont take more than 10 days to get what was stated from the promotional offer and it has been over half a month now this is ridiculous, fraudulent and basically a scam by a huge corporation its disgusting.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : 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 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 of 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 am at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on XXXX reports as XXXX with the current status as account open while Experian is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to XXXX XXXX XXXX and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Product: Debt collection

I hope this message finds you well. I am writing to inform you that on XX/XX/2023. I disputed an item on my credit report regarding a debt that was reported by Portfolio. I patiently waited for a response from your office regarding this matter. 

In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Portfolio. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt. 

Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.
Product: Vehicle loan or lease

On XX/XX/XXXX ; I made a payment in the amount of {$540.00} to Consumer Portfolio Services Inc for the XXXX XXXX XXXX I purchased in XXXX, XXXX. On XX/XX/XXXX, I made a payment in the amount of {$250.00} for the month of XXXX, XXXX which leaves a balance of {$290.00}. Therefore, I owe a balance of {$290.00} for the month of XXXX, XXXX. On XX/XX/XXXX ; I received a bill statement stating I owe {$1000.00} for the month of XXXX, XXXX. My car is due on the payment XXXX day of each month. I do not owe {$1000.00} for the month of XXXX, XXXX.
Product: Mortgage

In XX/XX/year> we requested modification or forbearance to catch up on payments, since they would NOT accept two payments due to the Notice of Default. In XX/XX/year> Fay Servicing did send the package via email and we completed for them to review. Sent via fax but, they had NO record. Agin the workout documents were sent in for review, but this time was sent to XXXX XXXX at Fay Servicing main point of contact. Few weeks later, we received a letter in XX/XX/XXXX by mail stating, our application for work out is incomplete. Fay Servicing was asking for income documents and insurance info. On XXXX XXXX after speaking with XXXX XXXX at Fay Servicing we emailed the documents requested. Few day later the Notice of Sale was sent and yesterday on XX/XX/year> we received the notice via certified mail. We never received any warning or denial of the modification request or workout.
Product: Credit card or prepaid card

I received a notification on XX/XX/18 from XXXX XXXX, of which I am a member, advising that my Account through XXXX XXXXWalmart Credit Card had been reduced by {$4500.00} and because of this my credit score was adversely affected. 

I immediately called Synchrony to inquire. I was advised by a Representative that my account was in arrears. I advised I had made two payments in XX/XX/2018, the 2nd payment was to go toward the XX/XX/XXXX statement. The Rep. advised that my payment of {$50.00} was {$3.00} short of the Minimum payment. I apologized and said I would make the payment, I was told that I now was responsible for a payment of {$130.00} which included late fees and insurance. This is the first time I had a late payment and was upset about the late fees which seemed ridiculous. I asked to speak with a supervisor and the young woman I was speaking to forwarded my call to the Collections Department unbeknownst to me. The man I spoke with just kept repeating over and over that he was attempting to collect a debt and that I needed to make payment immediately. 
I made the payment while he was talking and advised him of same. I told him, thinking he was a Supervisor, I wanted to discuss the reduction in my credit limit and the report to the bureau advising I was at 97 % of my credit limit. He just kept repeating that a letter had gone out to me and he was not at liberty to discuss anything about that. I asked to speak to his Supervisor and was advised no one was available to speak to me. I was told again I would be getting a letter in approximately 10 days. 

Due to this unfortunate turn of events, my credit has suffered greatly, I attempted to apply for another card on XX/XX/18 and am currently waiting for XXXX  XXXX to respond, my plan is to pay off XXXX XXXX and close my Walmart Account. My credit score went from being good in the mid to high 720 's and it is now at XXXX, which is considered fair. I feel that Synchrony is using the fact that I have recently retired to reduce my line, even though my spouse and I are still making in the 50K range. I was not called, written to or given any chance to discuss anything. 

Previously, in XXXX of 2018, I attempted to make a {$42.00} purchase from Walmart, the request for purchase would not go through and I called the number on my card to inquire. I was told at that time, that I needed to update my address on my account. I advised I had done that months ago when I moved. When I went onto the website to look at the address, a question popped up in the middle of my screen asking what my yearly income was. I responded to the question and was still unable to use the card. I purchased the item using my Paypal account. I contacted synchrony again and was told by the Rep. that the reason the purchase did not go through was that I tried to submit it more than once. There was no mention at that time of a reduction in the credit limit.
Product: Prepaid card

I am requesting your assistance in a recent transaction dispute involving Dasher Direct and its issuing bank, XXXX Bank. On XX/XX/XXXX, I initiated a dispute for unauthorized charges on my Dasher Direct card, totaling {$480.00}, comprising {$250.00} from XXXX and {$130.00} from XXXX XXXX XXXX. Despite furnishing notarized evidence and correspondence confirming the need for a chargeback from an XXXX XXXX XXXX representative, my claim was denied on XX/XX/XXXX, citing information provided by the merchants as proof of authorization. 

Subsequently, XXXX credited one transaction on XX/XX/2024, acknowledging an error. In seeking transparency, I have requested documents used in the dispute resolution process, only to be redirected to the merchants. This lack of disclosure violates consumer protection laws, hindering my ability to ascertain the basis of the decision made. 

Navigating through the complexities of transaction disputes, emphasis must be placed on consumer rights and the need for clear, accessible information. It is imperative that financial institutions uphold their obligation to provide detailed justifications for dispute outcomes, ensuring accountability and safeguarding consumer interests. 

In a landscape where electronic transactions dominate, advocating for transparency becomes paramount. By shedding light on the processes behind dispute resolutions, we foster trust, accountability, and consumer empowerment. Let us strive for a system where consumers are empowered with information and protected by robust consumer protection laws.
Product: Vehicle loan or lease

I thought I had paid off my truck loan on the XX/XX/2019. The company sent me a bill that stated my payoff was {$47.00} by the XX/XX/XXXX, so I paid that day the XX/XX/XXXX by debit card for {$47.00}. I checked my bank account and it stated pending transaction, I had over {$5000.00} in the account. I received a phone call yesterday XX/XX/XXXX stating I owed a past due amount of {$160.00} with no late fees!? I called and stated that I had paid off the loan on the XXXX for {$47.00}, but when I went to get the proof of the payoff from my account there was no transaction on my statement. Now they say I have to pay the {$160.00}, what if anything can I do in this situation?
Product: Credit card or prepaid card

Hard inquiries on my account criminal tried to get a credit or prepaid card. 

Criminal stole my information and received XXXX dollars already from a loan