23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I reached out to several secure credit card companies to build my credit in XXXX 2016. I made clear that the reason is to build my credit prior to filing bankruptcy in XXXX. All XXXX companies took my deposit and allowed me to make payments and began to build my credit but closed my accounts once I filed. They did not inform me prior to accepting my deposit of this practice of closing my accounts if I file for bankruptcy. I feel scammed because the purpose of starting the cards prior to filing is to be able to show positive credit history prior to filing bankruptcy. My hard earned money used for my deposit and all my on time payment history is gone with even informing me that the accounts were close. I was told when I called to make a payment or use the card. The companies are Discover IT, XXXX, XXXX XXXX. I feel they should have made me aware of this policy prior to accepting my payments and I could have used a company that would allow me to keep the accounts after filing bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Receivable Management Systems requesting validation of a debt on my XXXX XXXX and XXXX Credit file. I received a response of a Billing Statement from 2015. Receivable Management Systems is reporting OUTDATED information on my Credit Report. The Statute of Limitation in the state of Maryland to Report debt is 3 years and they are continuing to report OUTDATED information to the bureaus and continue to violate the law
Product: Credit reporting or other personal consumer reports

I emailed the credit bureaus several times explaining to them that the information on my credit report is fraud. There are XXXX addresses on my credit report that I never lived at. There are XXXX names on my credit reports that is not the spelling of my name. I cant even get apartments in my own name because of this. I even submitted my bank statements and drivers licenses to prove where I actually live
Product: Checking or savings account

The company i used to work for is no longer in business and i am needing my complete my pay statements from XX/XX/2014 through XX/XX/2014. For additional information needed from me i can be reached at XXXX. My address while I was employeed there was XXXX XXXX XXXX XXXX XXXX XXXXXXXX   however, I've moved to XXXX since then. What I am looking for a document stating and/or showing when was the last contribution i made to my 401K through manual payments/ pay deductions.
Product: Money transfer, virtual currency, or money service

I am writing this review to express my deep frustration and disappointment with cashapp. This is regarding my account that was hacked by an ex bf, once I realize my account was hacked. I contacted Cash App immediately to dispute the transactions that were made, and they came back with an email telling me that no mistake made. I had several different accounts attached to this cash app, and because my ex stole my phone he had access to multiple of my accounts that he attached to my Cash App. Just recently I got a transfer of {$1900.00} from my account that I reported as fraud immediately and still no response or nothing being done. This will continue to happen if Cash App does not fix this. Im so disappointed, because before this happened, I really loved to Cash App and relied on them for every day transactions
Product: Credit reporting or other personal consumer reports

Equifax is not updating my updated reported information from companies. Equifax is making me miss out on opportunities due to them not updating my accurate information. All my information is corrected on the other bureaus and they are the only ones stating that the companies are not reporting anything which is a lie. I tried speaking with several of representatives to help fix the issue and they are very ignorant are not even taking actions to their mistakes thats ruining my credit day in and day out only for their bureau.
Product: Credit reporting or other personal consumer reports

I have countlessly tried to reason with this company regarding my identity theft I have sent multiple police reports they told me they were edited I have contacted the authorities I have disputed these accounts countless times with simple responses from this data furnisher saying they are verified they have sent me no proof of how they were verified when I ask for proof they will return with account has been updated. I am not resposible for opening these accounts. This identity theft with my personal information has caused defamation of character has caused me emotional, psychological, mental and financial distress. I am pleading with your company to help me. I have all documentation to move forward with a lawsuit. This will be my last attempt to reason with this company I need proof bearing my signature on any contracts signed, photos or video of person physically there or XXXX addresses for electronics used to open these accounts. If you can not produce these I will need all accounts removed immediately within the lawful time period. 

XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$280.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$4300.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1600.00} XXXX XXXX XXXX OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$610.00} XXXX XXXX, XXXX - XXXX DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1800.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1500.00} XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX {$160.00} FRAUDLENT INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge/purchases. I ask that the items be deleted to correct my credit report. I reported the identity theft of my identity to the Federal Trade Commission, and I also enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. Thanks!
Product: Credit card

I opened a XXXX XXXX XXXX Barclays credit card XX/XX/year> I purchased two {$100.00} gift cards and {$110.00} at XXXX XXXX. The fraud dept sent me another card & assured me that my card was secure. But it wasnt. I closed the account but could not get any statements because I kept getting locked out of my online account. 
Barclaycard sent me to collection even though they acknowledged the fraud. I need help with this and I would rather not have to spend money since I am a retired senior. But I refuse to pay for items I did not receive. Would you want to pay {$2200.00} for nothing? The investigation was not very good. They say a third party had my financial details as if I was to blame. So help me get the truth of this matter. Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Wells Fargo regarding the imposition of XXXX {$35.00} overdraft fees, totaling {$70.00}, on my account, despite my adherence to the banks communicated grace period. I believe these fees are unfair and were applied due to inconsistent and misleading policies involving time zones and transaction posting practices. 

Details of the Incident : On XX/XX/year>, I received a notification from Wells Fargo at XXXX XXXX  XXXX, informing me of a XXXX grace period to bring my account to a positive balance. The bank indicated that the deadline for this grace period was XXXX XXXX XXXX on XX/XX/XXXX, which differs from my MST time zone by XXXX hours. 

To meet this deadline, I deposited funds at XXXX XXXX XXXX on XX/XX/XXXX, which is equivalent to XXXX XXXX XXXX, successfully bringing my account to a positive balance. Despite this, XXXX overdraft fees were charged at XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) on XX/XX/XXXX. 

Key Points of the Complaint : XXXX. Inconsistent Time Zone Usage for Grace Period and Fee Posting : The bank communicated the grace period deadline using XXXX but used XXXX  for the overdraft fee posting. This inconsistency created confusion, resulting in my account being charged overdraft fees even though I deposited funds within what I believed to be an adequate timeframe. 


XXXX. Acknowledgment of Positive Balance : During a conversation with a second-level supervisor, they confirmed, Your transaction was posted at XXXX XXXX XXXXXXXX, verifying that my account was in positive standing before the overdraft fees were applied. 


XXXX. Contradictory Posting Policy : The same supervisor stated that Wells Fargo posts overdrafts at XXXX XXXX, suggesting that the XXXXXXXX XXXX XXXX grace period deadline could not realistically be applied consistently. Without an adjusted deadline to account for the banks posting practices, customers like myself risk being unfairly penalized even after taking corrective action. 
Please note, that I am not bringing up the second second-level supervisor, XXXX, who was not only rude but very codascinding and needs to be trained in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. OR DELETED 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XX/XX/2023 i sent certified mail to all XXXX reporting agencys here are tracking numbers and USPS receipt attached XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

What happened? 


On XX/XX/year> an unauthorized transaction of {$1300.00} was processed through Remitly using my account. I did not authorize this transaction. I immediately contacted Remitly to report the fraud and provided evidence, including a police report. I even called Remitly customer service to try and locate the fraudster via IP address and the agent was able to pinpoint it to XXXX or XXXX. I live in XXXX. I have zero relatives or associates in those cities. This is highway robbery in broad daylight.

Remitly admitted in writing that the transaction was fraudulent but has refused to issue a refund despite acknowledging the fraud. This violates their responsibility to protect consumers from unauthorized transactions.

What steps have you already taken to resolve the issue I contacted Remitly to report the fraud and provided all required documentation I submitted a police report and other supporting documents.

Despite acknowledging the fraud, Remitly denied my refund.

How would you like this issue to be resolved?

I am requesting that Remitly refund the {$1300.00} that was fraudulently taken from my account and ensure their compliance with consumer protection laws. Remitly ADMITTED to this being a FRAUDULENT TRANSACTION & they suspended the fraudster posing as me to transfer Ugandan currency to themselves. Clearly they are very much aware that they are at fault.
Product: Credit reporting or other personal consumer reports

This account has a date of XXXX. The reporting date was updated multiple times to keep the account on my consumer report. Texas law states that a negative account can remain on a consumer report for up to seven years. This means the account can come off the consumer report before seven years. There is no reason this account needs to remain on my consumer report. I did not consent to having this account on my consumer report. 15 USC 1981 ( a ) ( 3 ) ( a ) states reasons for a consumer report to be produced outside of my written consent or " ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ''. This account was created using my social security number and I am sure there was an exchange of cash for possibly a deposit. This would not be a credit transaction this would be a retail installment account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Transworld system Inc off of my credit but XXXX keeping it on my credit. These are false accounts i have nothing to do with. XXXX is violating my credit rights.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Experian. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached
Product: Credit card

On XXXX XXXX  I used a XXXX credit card that had a deferred interest promotion for 2 years in the amount of {$14000.00}. I am very concerned and upset about the predicament with the loan. I have made consistent payments over the past two years. It was my intention to pay it off before the promotion ended. The confusion began when the statements were not being sent to me. They were XXXX statements which some I didn't get. I called 4 days after the promotion ended on XXXX XXXX asking why the monthly payment had increased .She said it was the interest but not knowing it expired. I was not given any information about the 30 day grace period. I would have paid it off. This has turned out to be confusing mess and I attribute it to bad communication. I should not be penalized because of this. I Paid off the full amount. I am requesting the interest be waived as it should have been during the grace period. 
There were managers that said they could have waived it but said not now. Then they sent out something to escalate it to another department and said a supervisor will call me in 3-5 days. I never received that call. 
I hope this matter gets resolved ASAP. 

Thank you 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 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 for these violations.
Product: Debt collection

I have filed a complaint with the FTC. As a regulatory agency, my issue has not been addressed by the CFPB because 1. I never received the initial right to dispute or validate this debt! and 2. I have tried to email ( happy to provide proof ) and I was told to " call '' but I do not trust them nor should I have to when I simply want proof. By continually reporting to my credit KNOWING I have not received this information, they continue to violate my rights under the FCRA! Unlike them, I am happy to provide proof if asked. When I ask for proof this was sent and received, I have been ignored but they still can report this to my credit??? NOT right. 
FTC Complaint attached.
Product: Debt collection

Im filing a complaint against the collection agency Hunt & Henriques. They somehow got a judgement against me without me ever being served. Although I told them from day 1 I was on XXXX, they continued to harass me until I paid them. They received a total of {$3000.00} from me some of which was garnished from my bank account. I repeatedly informed them I was on XXXX, but I didnt know until later that it was illegal for them to take my XXXX even with a judgment. I am sending what I have readily available to prove payment was received and Ill even send my benefit letter for proof of XXXX. I told them I was going to fight to get my money back from them and they claimed I gave it to them voluntarily. If judgments and garnishments are voluntary, I hate to see what the latter option looks like to them.
Product: Vehicle loan or lease

How you doing my name XXXX XXXX Contacting you all today my application was denied for a auto loan as I was pre approved pre approved means approved with a XXXX XXXX XXXX thats false and misleading you cant deny me with extensions of my own credit. 
I know Im the consumer and the original creditor. 
Credit dont matter the laws matter thats consumer law 15 usc 1611 also 15 usc 1605 I practice law. 
You all giving me false information willingly & Knowingly because its public information if its public information you all should know it. Also you all ask for a Downpayment the finance charge is the sum of all charges including gap insurance and dealer fees. 
I provided my check stubs verification of income I have a new bank old bank with deposits got hack can you get me over to the legal team please to discuss these laws? 

My contact XXXX Thanks
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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00} XXXXXXXX  # XXXX XX/XX/XXXX -- {$1100.00}
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX DEPTEDXXXX XXXX, DEPTEDXXXX XXXX*, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX XXXX XXXX.
Product: Debt collection

15 U.S. Code 1692c ( c ) of the Federal Fair Debt Collection Practices Act ( FDCPA ) states that a debt collector must stop communicating with a consumer if the consumer requests in writing that they do not want to pay the debt or that the debt collector stop contacting them : The debt collector can still inform the consumer that they are ending their efforts or that the creditor or debt collector may use certain remedies A consumer 's failure to dispute the debt 's validity can not be used by a court to infer that they are admitting liability
Product: Vehicle loan or lease

I called on XXXX XXXX to ask why I pay and pa and pay and the balance never goes down, and they told me because of the interest but they are charging me the inters of 6 years all of it in 1 year, thats not right they financed XXXX XXXX, and I already pay them XXXX dollars and the pay off balance is XXXX XXXX why and how??? Do I ow more then when I got the truck? Please help me, thank you have a great day
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX