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

I reviewed my checking account bank statement from  TCF Bank  and I saw several unauthorized charges to a  XXXX  accoun t (   XXXX   XXXX   XXXX   transit card ). They were small in dollar totals,  XXXX  a charge and when I reviewed older statements I saw these charges several times dating back to  XXXX  of   XXXX  . Although it never made me bounce a check I inquired a t TCF what these charges were for and the very nice teller stated when TCF sent out new debt cards they were linked to public transit. I asked when was I opt-in to this service and I was told I did n't, it was mention in the disclosure of the new debt card. I would love to know how much money TCF has made in over draft/NSF charges by others not knowing their debt card was being hit with a charge every time they boarded a train or bus. This seems to be a very clear UDAAP violation by not telling us, the TCF customer, about thi s service.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a very serious recent bout with   XXXX    XXXX   XXXX , in   XX/XX/XXXX   I calle d the management office of a building I had to move out of in  XX/XX/XXXX  ( due to my sickness and inability to work ) to ask what t he balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all  XXXX  credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A state ment describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have  been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Product: Credit card

For the past 60days I have attempted to dispute multiple times a charge that appears on my credit card. I have submitted hard evidence that I do not owe the amount in question and the merchant has not showed any evidence that I owe the funds requested. They had asked for multiple items including hotel name, dates of stay, cancellation policy, type of room, etc I have supplied everything they had requested in their rebuttal and my dispute keeps greeting closed and I keep having to reopen it as no one is actually looking at the hard evidence of what I sent in. The merchant is clearly violating AMEX policy and federal and state laws with their false and misleading false advertising guarantees they promise ( low price guarantee )
Product: Debt collection

Portfolio Recovery Assosciates has called my place of employment every day, for several months. As soon as we answer the phone and identify ourselves as a business, they hang up. I have consistently called back the numbers and asked them to remove it from their system. 

Today I am filing a complaint because during my 10 hour shift, there have been 8 calls/hang ups by several different numbers that when called back all route back to Portfolio Recovery Assosciates. 

This is a clear attempt to harass one or more employees who owe debts.
Product: Credit card or prepaid card

In response to the economic recession of XXXX, CitiBank increased my balance of {$10000.00} to {$30000.00}. 

Since then I have tried to speak to someone at Citi via written letters and phone calls to discuss and have gotten no response. 

This increase was not of my making but a result of the tax payer bailout. Since then I have been trying to pay this balance down. Even though I didnt create this balance. I can not keep bailing out Citi. I tried calling Citi again today and was bounced around customer service and the Rep left me on the call not responding and wouldn't give his name. 

This wrong needs to be made a right and pay me back this stealing and end this balance or I will contact the Consumer Financial Protection Bureau on Monday. 

Citi needs to provide you with the statements as it goes back years.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) specifically. Casp 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 election found transfer act ( efta ) and regulation these actions have caused significant inconvenience and financial loss..
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically invoking 15 U.S.C. 1681c-1 ( b ) ( Section 605B ), and addresses the serious issue of a data breach that has compromised my personal information. 
Dispute of Inaccurate Information I am disputing the following inaccurate and fraudulent information appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Name on Account XXXX Nature of Dispute : Account opened fraudulently due to identity theft ; this account does not belong to me. I demand that this fraudulent information be immediately removed from my credit report, as mandated by Section 605B. Under 15 U.S.C. 1681c-1 ( b ), you are required to block this fraudulent information within four ( 4 ) business days upon receiving my request, supported by an identity theft report ( enclosed ). 

Failing to comply with this statute subjects your organization to penalties and legal action, including compensatory and statutory damages. You are obligated to investigate and correct this issue, and I expect a formal confirmation of the deletion within the legal timeframe. 

Identity Theft Report and Supporting Documentation Attached you will find my Identity Theft Report and supporting documentation, which includes : A copy of my FTC identity theft affidavit. 
Relevant proof of my identity drivers license, ssn. 
This documentation further validates my claim and obligates you to take immediate corrective action under Section 605B of the FCRA Data Breach and Negligence It has come to my attention that my personal and financial information may have been exposed as part of a recent data breach involving your organization. This data breach has led to unauthorized accounts and activities being reported on my credit file. 

Under the FCRA and relevant data privacy laws, your company is responsible for safeguarding my personal information. I demand an immediate investigation into the security breach.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights.

15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions.

P15 U.S. 1681g. ( 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 to 60 days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

Synchrony ... First, my Sams Club Master Card account XX/XX/year> I had a {$2000.00} limit. The decrease on that one card was {$1900.00}. Synchrony decreased my limit to {$100.00}. Let me start to say I never go over XXXX my limit and I pay before due date on ALL my cards. They decreased my credit limits on several accounts and the decreased has impacted my credit report. Never been late, never went over half. For XXXX, I went shopping at JC Penny for jewelry and because Synchrony lowered my available credit, I only had {$49.00} on my Penny account. Now that I'm retired at XXXX, my social security payments is my only income. Never mind the {$30000.00} of savings in my bank account. I went to XXXX XXXX this week and I would have to reapply and this makes me upset. They started all this because they are messing with my available credit. I need this corrected. I called Synchrony and they wanted me to apply for an additional {$200.00} and it was declined because my available credit.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concering the individual about whom the report relates. These accounts [ 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 ] [ are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX, XXXX, XXXX. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( * ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6/BXi ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACH DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am unable to open bank accounts i am unable to get approved from credit cards i am unbale to apply for my new apartment i need help removing inquries on myu cedit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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

Inaccurate information on my report Late Payments XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff XXXXXXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX opened XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit card

After several attempts to pay the debt, the XXXX  card account was closed therefore i CANCELLED the XXXX payment. Every month they try to debit WITHOUT my authorization the balance owed. Surprisingly, yesterday my job deposited my paycheck and without authorization, they debited the amount for the balance owed. This transaction was not authorized, the recurring payment programmed for this account was cancelled months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, There are 2 hard credit inquiries that I do not recognize and would like investigated and removed from my credit report.

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shot where these are located Please have these investigated and removed as soon as possible
Product: Money transfer, virtual currency, or money service

your account. 
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.