23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX  to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting ACT XXXX Account XXXX XXXX XXXX Texas has ben 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 WRIITEN INSTRUCTIONS.
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, 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Crypto.com Sold all assets able to to a XXXX wallet with intention to terminate account. 
Has minimum transfer amount of {XXXX  which my balance falls under. 
Attempted to terminate account via company help desk. Refused repeatedly as balance is under 100 transfer limit. They want me to put money in just to take out.
Product: Debt collection

Convergent Outsourcing inc at XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX has been sending me collection notices in the amount of {$3100.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize any services pertaining to this matter.
Product: Debt collection

Im a costume of XXXX and my account is correct and pay every month on time, but for some reason they have a next account in my name that doesnt belong to me and XXXX wants me to pay for this account what doesnt belong to me because I only have one account with them, it was removed before from my credit report
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Debt collection

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Product: Credit reporting or other personal consumer reports

My eviction is sealed in XXXX XXXX Illinois during covid 19 and it keeps reporting on my tenant screening preventing me from securing housing.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024. I went to the atm drive thru in XXXX, MS . I requested {$1000.00} and the atm gave me {$880.00} the atm clap closed on {$120.00} and the money crumbled back into the atm. I immediately called the customer service number and the agent entered a ticket and advised it will take 10 days and I can speak with a teller. The bank was not open. I drove around and waited until the bank opened. I walked in and told the teller, she stated they have the problem all the time. I asked are they going to close the atm and she stated no. I informed her I know my money came out to the next person because the way it went back in. They did not care. The teller said I can request a credit until the investigation is complete. once the investigation was completed wells fargo took the credit back saying their atm balanced. I am sure it did balance because the way the money went back in my money came out to the next customer because they did not close the atm behind me. I escalated my issue to corporate and they declined it again. Wells fargo know their atm malfunctioned and took my {$120.00} and is refusing to give me my money. I live pay check to pay check and only work a part time job and I am a single mother. I need my money. I have been waiting since XX/XX/2024 and this has put me in such a bad positon.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I filed a XXXX dispute with no issue. The dispute was resloved as I had no credit due. I filed a dispute with Equifax. Equifax responded with a confirmation code and a link. Any link offered byr Equifax to view my dispute results in " This site cant be reached www.ai.equifax.coms server IP address could not be found. 
Try running XXXX XXXX XXXX. 
DNS_PROBE_FINISHED_NXDOMAIN '' So is my dispute resovled? What are the results? No answers are provided no matter which way I approach the Equifax website.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND ALL 3 CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, XXXX AND TRANSUNION ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE 3 ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Product: Credit card

On XX/XX/XXXX I went online and purchased a virtual SIM card to activate a phone and within an hour, I found out that the phone was not eligible. Confirmation XXXX for account # XXXX. so I went to the XXXX XXXX XXXX store on the XXXX of XXXX and they told me that they couldn't do anything. So I called XXXX XXXX XXXX XXXX, and they stated that they would Send me my refund of {$40.00}. So I also went to my online banking citizens account and try to dispute it there and today I was told that services was rendered, and that's why they close my dispute. Services weren't rendered since I couldn't even use the phone. And XXXX today said that they couldn't do anything about starting a refund yet their calls are recorded and the associates stated in XXXX that they would process it. The supervisor told me to go to the store again and hung up.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing accounts on my report that I never was associated with. I filed an ftc report as I was instructed to by Transunion. I have sent in this report but this fraudulent item still remains.
Product: Credit card or prepaid card

I had two 0 % APR balance transfers on my chase credit card ending in XXXX. I made a couple of purchases on that card accidentally and setup a chase pay on it. When I set up the chase pay, it gave me the option to select interest saving balance for automatic payment to pay the minimum due + the chase pay due. It was not clear that even 0 % APR balances would be included in that as they would not accrue interest and seemed like would not be included in the interest saving balance. 

In any case, as soon the automatic payment was sent to my bank on XX/XX/XXXX, I realized the issue and stopped the payment. At that time, I spoke to chase and was told that was the only way to correct the payment and that once the payment was returned I should manually submit another payment. The payment was returned and I assumed that everything was fine and made a manual payment. I was not charged any interest on my XXXX statement and hence assumed everything was resolved. 

However, on the XXXX statement I noticed I was charged interest and reached out to the customer service and thats when I realized that when the payment returned somehow my balance transfers were made into purchase. I escalated this issue so the balance could be properly bucketed back as balance transfer and not a purchase. 

I received a letter stating that the balance transfer promotions could bot be restored to my account as too much time has passed since the balance transfer was submitted. I am not sure they understood the issue correctly. The balance transfer were initiated in XX/XX/XXXX and XX/XX/XXXX. But they were incorrectly bucketed as purchase after the payment return in the XX/XX/XXXX statement. I believe that a balance could not be just made as purchase when I did not actually make a purchase. I have following issues 1. I did not make a payment to pay off my balance transfer. It was done by chase auto pay tool which was not clear that it would pay off the entire balance including 0 % balance transfers 2. Then, when the payment was returned it was incorrectly labeled as purchase instead of balance transfer.

I would have gladly accepted returned payment fees as that was my mistake, but charging the interest and also ending the balance transfer was not fair.

So, I would request you for the following resolution 1. Either bucket the balance into the original balance transfers and refund the interest 2. Or, I can pay off the entire balance, but it is only fair that the interest be refunded and balance transfer fee adjusted for the period left.

I appreciate your time in understanding the issue and hope we could reach a fair resolution. Thank you and let me know if you have any questions.
Product: Debt collection

L J ROSS ASSOCIATES IN account # XXXX This is fraud according to the USC and particularly 15 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent This shouldn't even be reflected on my report and FCRA you have no right to collect Further more. My debit was paid for 3x over if you have possession of it please review consumer law and prove otherwise we can get into the power of taxes, my signature and ssn # Any action besides an elimination of this debt entirely will result in you being sent my fee schedule a {$1000.00} collection and a notice of court for harassment and adverse action
Product: Credit card

Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to bring to your attention a matter of grave concern regarding the fraudulent use of my personal information by a company named Fortiva. It has recently come to my attention that Fortiva utilized my sensitive personal data to open a credit card account without my consent, constituting an egregious act of fraud, abuse, and wastage of personal information. 
On XXXX, I discovered an unauthorized credit card account opened in my name, issued by Fortiva. Shockingly, I had no prior knowledge of, nor had I provided consent for, any such application. Upon further investigation, it became apparent that Fortiva had accessed and misused my personal information, including but not limited to my social security number, date of birth, and address, to initiate this unauthorized credit card account.

This act not only violates my privacy rights but also exposes me to potential financial liabilities and damages. I have taken immediate steps to report this incident to Fortiva and have requested the closure of the fraudulent account. However, I believe that stronger regulatory action is warranted to prevent such incidents from occurring in the future and to hold Fortiva accountable for its actions.

I urge the Federal Trade Commission to thoroughly investigate this matter and take appropriate enforcement actions against Fortiva for its deceptive and fraudulent practices. Additionally, I request that measures be implemented to safeguard consumers ' personal information and prevent its unauthorized use by unscrupulous entities like Fortiva.

Please find enclosed copies of relevant documents, including the unauthorized credit card statement and any correspondence with Fortiva. I am willing to provide any further information or assistance necessary to facilitate your investigation into this matter.

Thank you for your prompt attention to this serious issue. I trust that the Federal Trade Commission will take swift and decisive action to protect consumers ' rights and prevent future instances of fraud and abuse. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct the inaccurate reporting of late payments on my credit report for the account Account Number : XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/2024 and XX/XX/2024, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX account has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences.

Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by TransUnion, XXXX, and XXXX is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Predatory Lending Practices : I have continuously asked that Capital One send me a monthly billing statement and or give me access to my account online to be able to view my account for about 3years straight and for some reason the bank has refused to honor my request. I have made payments blindly each month and yet can not see or know if payments are applied to my account. in addition, this bank will periodically send my account into foreclosure, forcing me to pay attorneys fees, and all kinds of charges trumped up to avoid my house being foreclosed. I am just fed up of the constant rip off. 
I acquired this loan through XXXX. However, the loan amount has increased by up to {$10000.00} within the short time that Capital One took over in late fees, Lawyers fees, and inspection fees like ( property inspection? ) ; a home i have owned for about 12years. However, it is worth pointing out that despite payments made on this loan, it never reduce by a {$1.00}, for 10yrs, but instead became more than the original borrowed amount. 

Last year, I became bankrupt. And even while in bankruptcy Capital One continued to charge interest on this Loan. My attorney and I have asked that Capital One reverse those chargers, and start sending me a monthly statement by mail, email, or even give me access to my account online ; yet Capital has refused to comply. 
Regards,
Product: Credit reporting or other personal consumer reports

This issue with with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX. 

RE : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is the issuer for both of these branded credit cards, however, XXXX does not take responsibility for fraudulent attempts to open these cards and I have been unable to reach a person beyond XXXX. 

I saw activity related to these two accounts on my credit reports and then received notifications on XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ) that both applications had been denied. 

I attempted to contact the phone number listened for " Manager, Credit Review '' on each letter to dispute the applications and request that they remove these applications from my credit report. 

Both of these applications are fraudulent but neither vendor is reachable by phone to answer any questions about this or to file a fraud complaint.
Product: Credit card

The company ask you to apply for a Credit card only to deny you of youralready approved credit via government. Our Credit application is a formality for the business. We shouldreview the application again and approve it. XX/XX/1925, A Credit Card Application for {$3000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Inconsistent Reporting on Car Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my CLOSED car loan account, XXXX XXXX XXXX ( Account Number : XXXX ) as reflected on my Equifax credit report. It has come to my attention that this account is showing as " open '' on Equifax, while both XXXX and XXXX report it as " closed. '' Additionally, this account is inaccurately reflecting XXXX late payments with Equifax and XXXX that are not substantiated by my records. 

This inconsistent reporting is completely unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and reliable information. The discrepancies between the credit bureaus not only confuse potential creditors but also severely damage my credit score and financial reputation. 

I demand an immediate investigation into this account to address the following : 1. Clarification of why this account is reported as " open '' on Equifax while being marked " closed '' with other bureaus. 
XXXX. XXXX of the alleged XXXX late payments, including specific dates and details that support this claim. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your prompt attention to this matter is not only expected, it is absolutely necessary. I will closely monitor your response and pursue any necessary actions should this dispute remain unaddressed. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents, if applicable