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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX  TU 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: Money transfer, virtual currency, or money service

On XX/XX/2020 I initiated a transfer of {$9000.00} from my Cash App balance to my linked external bank account. The funds were never transferred and I was subsequently unable to access my Cash App account, having received notifications that my mobile number and email address had been unlinked. Upon contacting their support, I was only informed that my account had been closed. As per terms and conditions set forth by Cash App, the money transfer must be made. I have incurred substantial expenses as a result of their failure to complete the transfer in the timeframe specified. Screenshots showing my balance and transfer to my external account are attached.
Product: Credit reporting or other personal consumer reports

RE : RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
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 in 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 card or prepaid card

This is my letter to XXXX  executive office : My wallet was stolen on XX/XX/2019 in XXXX resulting in a charge of {$14000.00}. The perpetrator had a copy of my other ID as well as my credit card when he made this charge. Initially, the first claim investigator I spoke with told me that I would not be billed for this charge as long as I sent in my ID. I did so immediately, due to your system a error was made. They claim that the fax of my ID came in black and they could not see it, no one called me to tell me this at this point I was already on hour 4 of trying to speak with someone to help me. I finally got a hold of someone and sent them in by mail and fax again a copy of my other ID. At this point it was to late and they re-billed me, even though I have proof from XXXX that the original fax I sent was completely valid. I was mislead numerous times. I think its pretty unbelievable that there is no way to upload this documents online. 


As a business owner, I know this not to be substantial proof that the charge is valid. I have had made claims made against my business by customers that simply did not want to pay for their charges - where Ive even had video proof and video authorizations from the client themselves - and that still wasnt enough for my merchant processor to win the claim in my favor. 

I beg you to review this claim and turn over the decision as I also have evidence of where I was when this charge was being made. Ive spent over 6 hours on the phone at this point. 



The charge : XXXX XXXX XX/XX/2019 {$14000.00} XXXX Points
Product: Credit card

I made a purchase in XXXX XXXX online at Best Buy. I received a statement that said I had made {$3000.00} in purchases. I disputed the purchases and they were removed. I was sent a new card, that I didn't activate. I trusted that the matter was resolved. 

I checked my credit report in XX/XX/XXXX and saw that there were over {$10.00}, XXXX in charges at Best Buy. I called the company to find out what was going on. I was told that I was on the credit report because I had not paid for the credit card purchases. Payments were several months overdue. I was told by Best Buy that delinquent payments were over {$300.00} and the credit limit was {$3000.00}. 

I asked the Best Buy agent why would purchases be allowed to continue if the payments were several months late and purchases were above {$3000.00} credit limit. I was not given a response other than my request was denied. 

At this point the card had never been activated, late payments and purchases continued to be allowed above the {$3000.00} credit limit for a balance over {$10000.00}. I have not made purchases since XX/XX/XXXX and the other fraudulent charges were removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation onXX/XX/XXXX with XXXX that my current home loan with XXXX Loan # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

An account belonging to XXXX XXXX had a cell phone account with XXXX. When the account was disconnected with an outstanding balance the account was reported as a collection on my personal credit report. XXXX acknowledged the account was a corporate account and should not have been reported on my personal credit report and told me I needed to contact the collection agency they hired, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX. When I called XXXX XXXXXXXX XXXX  I was told by a rep there that my file was being handled by Maury Cobb Attorney at Law XXXX. I was told by the rep that the law office often negatively reports corporate debt on individuals reports to prompt them to make payment. I demanded the erroneous reporting be deleted from my credit files and was told since the business had made payment that what was reported on my credit report would be removed. After two weeks it is still being reported. Through my online research I was able to confirm what I was told by the rep. Maury Cobb Attorney at Law has lost several law suits related to unfair/unlawful collection practices, at least one of which was a class action law suit.
Product: Credit card or prepaid card

I filed a complaint with the XXXX regarding BofA and their continued allowance of charges on a cancelled credit card. They also didnt provide access to bill from that card ( despite allowing charges ). This was referred to you. They said they would contact me but I continue to receive bills without contact. 

Today, someone called me and purported to be from BofA. They asked me for significant information including portions of my ss #. When I asked them to satisfactorily verify that they who called me werent a scammer, they refused without the Social Security info. They then hung up. If this really was BofA, it seems unreasonable to call me and expect me to then provide my personal info without first verifying their identity. Plainly, no one should give their ss info to a random caller.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting wrong information on a XXXX XXXX XXXX account, I have disputed several times, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021, They just say every time that it comes back verified and updated from their XX/XX/2021 investigation, The account numbers are wrong, ( Incorrect ) The amounts owed are inccorrect, Payment displays are incorrect. They refuse to hear my complaints. 
Amounts owed are very irregular and not consistant to what I have paid on the account. 
I have tried to call them and ask them to investigate properly and they hag up on you. 
They will not take the dispute. XXXX says that they are reporting. Experian and XXXX are not reporting the account correctly, It is hurting my credit score. I recently made a very large payment on the account and XXXX  and Experian refuse to show this also on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unusually large number of unauthorized inquiries on my XXXX, XXXX  and TransUnion credit reports. 

Via certified mail, I submitted a FTC identity theft report to each credit bureau along with a copy of section 605 of the FCRA and a copy of my drivers license so the inquiries would be blocked within 4 days of receiving the letter per the FCRA criteria. I have proof the letters were received by each credit bureau on XX/XX/2019. 

It is XX/XX/2019. As of today the inquiries have not been blocked per the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

I have sent a certified letter to I.C. System, Inc. on XX/XX/year>, requesting verification of the debt associated with Account # XXXX for a balance of {$520.00} past due. Specifically, I requested documentation that includes my signature as proof of my responsibility for this debt. 

To date, I.C. System, Inc. has not provided any documentation containing my signature or a clear record of when this account was opened. Additionally, more than 30 days have passed, exceeding the time frame legally required for a response under the Fair Debt Collection Practices Act ( FDCPA ). 

Since no proper validation has been provided, I request that : All collection efforts on this account cease immediately. 
This account be removed from my credit report. 
I.C. System, Inc. notify all relevant credit bureaus that this debt is invalid and should be deleted from my records. 
I receive written confirmation that this debt has been removed and that no further collection attempts will be made. 
I expect a timely resolution to this matter.
Product: Student loan

I took out a private student loan in XXXX in the amount of {$6000.00} dollars when I attended XXXX XXXX. XXXX closed and was deemed a predatory college under the new student loan guidelines. Navient dismissed many of the loans from XXXX but said mine was not eligible because XXXX is now XXXXXXXX XXXX XXXXXXXX. I filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I included this loan in the bankruptcy. According to the courts it was dismissed, but Navient says I still owe on it. I recently saw that Navient was held to a large financial judgement for making people pay on their loans even after it was XXXX in bankruptcy. I have been paying on this loan for 18 years and the balance is only XXXX dollars less than I started with. I feel like I am unjustly held to a debt that was XXXX 11 years ago. Enclosed is the bankruptcy discharge letter, student loan information from Navient and other details. I asked them to settle this debt for {$1200.00}, but they refuse. I just want it gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit card

XXXX XXXX XXXX late payments are on my credit score and i have submitted letters and also called the XXXX in XXXX to this payment should not have been reported late i never received the billed for those 2 months that are marked late on my closed XXXX XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b
Product: Credit card

I have had a XXXX Credit card for years, i have purchased and paid a lot of things with it and wanted to redeem my points. The credit card made it so hard to redeem my points that it 's ridiculous, I had been trying to do this for more than a month already and now I wanted to cancel the card since it just not worth it anymore and they charge yearly fee but I want my points redeemed and they have put a mark on my credit report. To make the matters worth, I had points that were worth ~ {$600.00} + and now I ca n't redeem for cash but for the some gift cards which are worth around ~ {$130.00} and are through the recommended companies which will rip you off, but even they are not even helping, because they do n't provide even a customer service phone numbers and only communicate through email.
Product: Debt collection

Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX. XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX. XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was on XX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX was the co-signer on the loan, XXXX. XXXX advised me that she spoke to my Sister n ' Law XXXX Hill whom is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX. XXXX advised her of my loan information, she stated that XXXX. XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX. XXXX from XXXX . While speaking to XXXX. XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

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

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX violated my rights. 15 USC 1681 Section 602 states that I have the rights to privacy 15USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I demand that these accounts be permanently deleted from my credit report
Product: Mortgage

My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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: Mortgage

Chase said I qualified for points worth {$1100.00} without stipulations and post close has decided that I did not qualify and has refused to honor their offer.