23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFLA ). 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: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to Experian challenging several items on my credit report. I received a response from Experian dated XX/XX/year>, referencing report # XXXX, stating that the public record was certified as accurate by the furnisher and that the credit items had been updated. I have included a copy of the investigation results for reference. 
I am writing to dispute the results of this recent reinvestigation regarding the accuracy of the information on my credit report. The investigation has concluded, and the disputed information has been verified as accurate. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( b ) ( 7 ), I am requesting a detailed description of the reinvestigation procedure for the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request that Experian provide the following information : 1. The Date You Contacted the Creditor : Please provide the specific date on which you initiated contact with the creditor regarding the disputed items.

2. Contact Information for the Creditor : Furnish the complete contact information for the creditor, including their business name, address, and any available telephone numbers.

3. Name of the Person Who Verified the Item : Provide the full name of the individual at the creditor 's end who verified the accuracy of the disputed information.

4. Method of Communication Used to Verify Information : Specify the method ( s ) through which you communicated with the creditor to verify the accuracy of the disputed items ( e.g., phone, email, mail ).

5. Did the Creditor Provide SSN, Address, and Date of Birth? : Confirm whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XX/XX/XXXX and equifax have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

automatic payment was set up with 5/3rd Bank , however, payments were not withdrawn. i also requested payment book, and have not received. Bank reported that payments have not been received, and reported to credit bureaus. i do not have a history of non-payment on this vehicle or any other account, but now i do due to 5/3rd not processing my automatic pay correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

II have sent the proper documents to Equifax for them to remove the accounts from my profile. They haven't I have follower all the proper procedure to get these accounts remove from my profile.
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX : XX/XX/XXXX | XXXX : XXXX RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of LaboXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
Item ( XXXX ) resulting from XXXX  that should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX I was requested to send in an attest letter with NPO and signature of the rep
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XXXX - XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Portfolio Recovery is knowingly reporting false information in attempt to re-age a collection accounts reporting on my credit reports. They report accounts # XXXX -Original creditor XXXX/ ( a.k.a XXXX ) # XXXX - Original creditor XXXX XXXX # XXXX - Original creditor XXXX XXXX bank with an Estimated date of removal/FCRA Compliance date/DOFD that DOES NOT MATCH THE ORIGINAL CREDITOR reported on the same report. I have disputed this account as a direct dispute and with the CRA directly, and asked for removal and if not removed than verified. The direct dispute letter was sent to Portfolio recovery on XXXX/XXXX/XXXX. They failed to update the false information that was requested. In addition they changed ( account # XXXX ) " field '' Responsibility from Individual account to Joint account, which again is not accurate. I question the validity of this debt as I have never had any joint accounts. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of these accounts The original creditor has remove all three above account - as they were past the FRCA compliance date Since they have not validated this account with proof that it is mine as requested in XX/XX/XXXX, I find that this reporting is ground for deletion that that they are re-aging this debt the date is it is not consistent with the OC on this basis alone. 
I had submitted proof in the form of a copy of credit report highlighting this discrepancy. The law does not allow collection agencies to modify this DOFD, nor does the law allow them to add false information. 

I have attached Dispute results showing XXXX account number XXXX as DELETED but the corresponding collection accout from Portfolio Recovery account number XXXX was not updated or removed. They are reporting original creditor as XXXX XXXX to further things but if you look at the account number you will see they are the same account. 
I have attached newest copy of XXXX credit showing not 1 of the above Original creditor is remaining on the credit report because they were past the FCRA compliace date and are no longer reportable. 
I have attached the last dispute request the was sent to PRA when the original creditors were reporting the date the item will be removed was
Product: Credit card or prepaid card

Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards XXXX. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. 

Those facts are : XXXX. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 

XXXX. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was XXXX weeks after the charge occurred, well within the time-frame allowed to report the fraud. 

XXXX. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 

XXXX. I was never sent any information on why this dispute was reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied for a XXXX XXXX XXXX  Credit Card for my business XXXX XXXX, XXXX. After submitting my application I received an online message from XXXX XXXX  that stated the following : Please call this number and provide this reference # to complete application process : XXXX Your application reference number is XXXX. 

I called the phone # provided as directed and they advised I would be receiving a letter in the mail explaining why my application for credit was denied ( attached ). They explained my application was denied because they were not able to verify my business phone #. I asked why I wasn't given the opportunity to verify this information as the message stated I needed to call to complete my application. They were not able to answer any of my questions and said I would need to re-apply. I asked how they verify business phone # 's and advised my business phone # provided on the application is my cell phone #, I don't have a business landline phone # and I wasn't given the opportunity to verify my business information and explain this. 
I also asked them how I could be denied credit for a reason not based on my credit report but based on an error on their end and they could not answer this.
Product: Credit reporting or other personal consumer reports

**Subject : Dispute of Bankruptcy XXXX XXXX XXXX. XXXX Dear Experian, I am writing to formally dispute the bankruptcy record listed on my credit report under reference number XXXX. Upon reviewing my credit file, I noticed that this record, which states a **Chapter 7 bankruptcy discharged on XX/XX/XXXX, XXXX, appears to be **inaccurate/incomplete** ( choose if applicable : " not mine, '' " filed in error, '' or " incorrect details '' ). 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or outdated information. I kindly request that you **verify this bankruptcy with the U.S. Bankruptcy Court in Illinois XXXX XXXX XXXX **. If you are unable to verify the accuracy of this information, I expect it to be **removed from my credit report immediately**. 

To assist with this investigation, I have attached copies of my **credit report highlighting the disputed entry, identification documents, and any supporting evidence**. Please review this matter and provide me with a written response regarding your findings. 

I appreciate your prompt attention to this issue. Please contact me at the information above if you require any additional details. 

Sincerely, XXXX
Product: Credit card

( CFPB 's dropdown options don't fit this situation. ) BMO is in the process of replacing credit and debit cards for former Bank of the West customers. However, they are doing so in ways that harm those customers. 

BMO recently sent me a new credit card that was identical in appearance to the last one I received, even though it was for a different account. Thats not the way Bank of the West did business. I had four cards through Bank of the West ( two personal and two business ), each of which was different in appearance so that I could easily distinguish between them. BMO refuses to provide cards with a different appearance. So I now have two that look identical. Presumably, I will end up with four identical looking cards. That puts me at risk for using the wrong cards, mixing business and personal expenses and inadvertently using credit or debit cards when I intend to use the opposite. 

BMO has also been wrongfully declining transactions, causing me a great deal of frustration. They denied a recurring annual transaction with XXXX, making me waste 40 minutes on the phone to resolve the matter. They declined a transaction at the veterinary clinic, supposedly because they believed I had requested a new card. I never requested a new card. They were in the process of issuing new ones to former Bank of the West customers, but had not yet done so. Again, I wasted time trying to straighten it all out. Then they declined a transaction at XXXX XXXX, supposedly because I entered a wrong PIN number. I should have been able to reenter the PIN number for a successful transaction. But BMO wouldnt let me. Then I wasted almost another hour trying to straighten that mess out. That was after a horribly aggravating experience just trying to get through to a live person at a phone number that wouldnt let me past the phone tree no matter what I did. I finally called a different number ( for the credit card line ) and had to be transferred to a different department for debit card issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

INVESTIGATE CONSUMER REPORT ( Request ) Please investigate if every piece of correct. If not, please remove these accounts listed below from my credit report. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) Account # XXXX Account Name : 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: Debt collection

A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.
Product: Credit reporting

I looked at hard enquiries. I have no idea who these companies are checking my credit. I bought s car from XXXX XXXX last year. I see a recent inquiry. Also I do n't know who this Cb something that shows repeatedly checking. I want them removed. The last legitimate inquiry I ask for was a XXXX XXXX be reinstated. Everything outside of that I need deleted. 
Also, I volunteer the accounts that were closed. I paid in full and asked the company to please Cluse my accounts. On every one closed it says closed by the creditors. That is not so. Lastly, it shows late pays. I went through one rough patch in 2013. I have had on time pay for everything since. 
I appreciate your help in making all the adjustment. 
I have been working hard for years to correct many wrongs in my life. 
Kindest regards, XXXX XXXX
Product: Credit card or prepaid card

Earlier this year I had to report them for taking a double payment and refusing to reverse it even though just the one payment paid it in full When I complained they corrected the issue by mailing me a check But they cleared my whole purchase history and deleted all my receipts from my account history when they did it I have been trying to exchange a stove thats faulty over a month and cant because they deleted my purchase history and all my transaction receipts from my lowes account when I reported them for taking a double payment I want this stove exchanged for a non defective one and my purchase history restored to my account and made visible for me to use when needed They also locked me out of the ability to complain or use customer service or rate anything in the app When I try giving them a XXXX star rating they just wont let you Its rigged to only take good ratings
Product: Credit card or prepaid card

I have been a Lowes Customer for over 15 years and absolutely love their products and services. I am veteran and all veterans love Lowes. I have had a credit card with them for 4 years and have never missed a single payment or have I ever been late on making one. I always pay them off and use the card to cover things around the house or side job material. I had a limit of $ XXXX on my card and have never used more than $ XXXX. Lowes embarrassed a couple weeks as I stood and waited in line with items only to have my card declined. I tried twice and it declined and I couldn't figure out what was going on with it. Anyway, I paid with my bank card and continued on with my day. About 1 week later I received a letter from Lowes Synchrony Bank stating they closed my account. They should of sent the letter to me first before having me try to use the card. It was very rude the way they went about this and embarrassing. The reason Lowes stated why my account was closed was because I have personal credit cards that I fell behind on. After being injured and down from work for over 9 months. I have got 4 months behind on these person cards but never my Lowes or XXXX XXXX cards. I am currently getting these accounts paid back, now that I am able to work and walk again. I started an electric company and I only shop at Lowes and this issue alone could cost Lowes a loyal customer for life. I want to continue a relationship with Lowes but I'm second guessing that after these circumstances. Just on how the company went about things in such an unprofessional and uncourteous way to a loyal card holder and customer. If I missed a payment or was late or anything like this I could understand but I never was. It's based on other cards from different creditors not loyalty or any other factors. If Lowes will reopen and continue to allow me to use the card I will never miss a payment. And if I do they can close my account no questions asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company ( XXXX / equifax ) obtained and stored my personal information without my permission. In the process of storing my information, they carelessly let my information be obtained by an outside source. 

They did offer me a 1 year credit protection service for free. 

2 problems : 1 ). The data breach affects me for the rest of my life. ( possibly 30 + years ). 

2 ). Dealing with a problem, caused by them, has already cost me several hours of work. 
Hardly free!
Product: Credit card or prepaid card

I contacted American Express about paying off the portion of my balance that has the highest APR of 18.24 % - as of my last statement that was {$3400.00}. I also carry a balance of XXXX at a lower APR of 15.24 %. I made the minimum payment on my account for this month. Based on my experience with other Credit Cards, I should be able to make an additional payment this month and have that amount apply to the amount carrying this highest APR ; the XXXX. However, I was informed by two different service representatives with American Express that any additional amount paid to American Express would be applied, in my case, to the amount with the lowest APR.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX, KS XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX Balance Owed : {$9400.00} ; XXXX XXXX ( Original Creditor : XXXX- XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$440.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .