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

XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the XXXXnformation being sent to three credit bureaus
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XX/XX/year>, I was charged {$70.00} in NSF fees for seven debit card transactions. These were recurring purchases, not individual swipes. I contacted Bank of America, as I was certain I had not opted into overdraft protection. The banker confirmed that overdraft protection is automatically included unless explicitly declined, a fact I was unaware of until these charges occurred. Despite my request, the bank refunded only four of the seven fees.

I am seeking a refund for the remaining three NSF fees.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to AMERICAN EXPRESS. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Student loan

I am trying to get my mother off as a co-signed on my loan. I have reached out and even talked to a rep. That rep never got back to me after following up with them numerous times. My emails and phone calls just never were answered. We have been paying for almost 8 years now and have never been late on a payment.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Credit Reporting, Duplicate Account, and FCRA Violations Details of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, and LVNV Funding LLC for violating the Fair Credit Reporting Act ( FCRA ) and engaging in fraudulent credit reporting practices.

Duplicate Account Reporting by XXXX XXXX XXXXank : I held a legitimate account with XXXX XXXX XXXX  that was paid in full, closed, and marked as " never late '', with a balance of {$610.00}, resolved through their insurance program. 
XXXX XXXX XXXX  fraudulently created and reported a duplicate account with an inflated balance of {$770.00}, which was then sold to LVNV Funding for collections. 
Inconsistent and Misleading Reporting by CRAs : XXXX and XXXX initially reflected the accurate reporting of the original account but later removed the positive standing in late 2024. 
XXXX has failed to provide my credit report for more than three months, violating 15 U.S.C. 1681g of the FCRA.

Fraudulent Collection Activity by LVNV Funding : LVNV Funding reported a collection account based on the fraudulent duplicate account, despite the original account being resolved and closed.

Failure to Investigate Disputes : I have disputed these inaccuracies through the CFPB and directly with the CRAs. However, they failed to investigate properly or resolve the issues, violating 15 U.S.C. 1681i and 1681e ( b ) of the FCRA.

Impact on My Consumer Rights : The creation and reporting of a duplicate account, coupled with the removal of accurate positive history, have significantly harmed my creditworthiness. This is a clear case of fraud, misrepresentation, and security fraud.

Requested Actions : Immediate deletion of the duplicate account from all credit reports.

Removal of the LVNV Funding collection account tied to the fraudulent duplicate. 
Investigation into the practices of XXXX XXXX XXXX, XXXX, XXXX, XXXX, and LVNV Funding to ensure compliance with the FCRA. 
Additional Information : This matter has already been reported to the CFPB but remains unresolved. I seek the FTCs assistance to investigate these violations and hold the responsible parties accountable. 

I reported this to the FTC and will file a civil complaint if continue to report inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX Closed account XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX  to have so inquiries removed from my credit report, XXXX  deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my XXXX  credit report that I want deleted I do not recognize these inquiries and would appreciate if XXXX  delete these inquiries, I have filed a FTC identity theft report and sent to XXXX, you can not get all these inquiries on this FTC report, so Im sending the screen shots to XXXX and show them that the rest needs to be deleted
Product: Checking or savings account

Attached please find correspondence between XXXX XXXX XXXX  and XXXX/XXXX  and its representatives which is a financial partner of SunTrust/Truist. In my initial call with with a XXXX rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store.There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. As you can see from the attached correspondence, one of the financial institutions ( referenced as an aggregate entity of XXXX/Truist as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received confirmation of cancellation on XX/XX/XXXX from XXXX XXXX Specialist Team from the XXXX domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my XXXX  account. I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account on the XXXX side would reply in a timely manner ; I copied my Personal Banker at SunTrust on this request. A review of XXXX email messages and those from my local SunTrust branch will show you that XXXX did not respond - EVER to this request. Several attempts from my SunTrust/Truist branch partners to XXXX via phone and email have also not garnered any response. I believe that SunTrust/Truist may be in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( XXXX XXXX, particularly those that interface directly with customers. It is my understanding from the Branch Manager that this is not the only issue they have had with XXXX as their XXXX XXXX provider ; however, I do not have that in writing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to Inadequate customer service and unfair practices, which violates the Customer 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card

I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... 


While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. 
I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. 

When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. 

I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? 

They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report I have sent in numerous times of an account that is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I sent a complaint about Onemain and their Deceptive practices, I am asking for CFPB to review complaint again, due to excessive fees and making me purchase an " optional add on '' service, such as there insurance for the loan in case of unemployment, and charging me extra included into my interest, once again showing the company has many unfair practices and is in violation. Please refer to below as this affected me as well CFPB found that OneMain : Tricked borrowers into signing up for optional products : OneMain customers were led to believe that they could not receive a loan without signing up for an add-on product. Some employees added the products to paperwork without verbally informing the consumer that the products were included or optional, a practice referred to internally as pre-packing. If the consumer identified the products and asked for their removal, employees were expected to make it seem difficult to remove the products. In other cases, employees obscured written disclosures from consumers view, or verbally contradicted them Please review or I will take further legal action on Onemain
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent an 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 funds transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have received letters from  Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account XXXX. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XX/XX/XXXX. My father, XXXX XXXX, was the signer on the account and I was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XX/XX/XXXX. In XX/XX/XXXX, nearly 2 years after the lease ended, KIA added XXXX XXXX late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. KIA sent me a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XX/XX/XXXX, we called to speak with a supervisor. Throughout the month of XXXX, we called over 10 times. We sent KIA Finance a letter at the end of XX/XX/XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. I am now logged out of the portal with no way to pay or contact the supervisor. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 

We would like two things : to pay the account in full along with an itemized list of what we are paying, which weve been trying to do since XXXX, and late payments removed from our credit reports immediately.
Product: Money transfer, virtual currency, or money service

I purchased a service of goods but was scammed on cash app, they they blocked me after I sent the money and wanted my money back so I sent a refund request, no response so lastly I went to cash app support but they told me no and kept sending me a list on how to not get scammed, and said they couldnt answer more questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX  XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called the company called Lexis Nexis to  dispute a bankruptcy that this company is reporting to different credit reporting agencies, however when XXXX ( ID number is XXXX ) refused to take my call because I was communicating through a XXXX XXXX XXXX. He said he can't continue my call unless I have a power of attorney letting them know that I give them permission to XXXX the call for me. Why should I have to provide them power of attorney so that I can dispute information that they are reporting. If a XXXX person were to call in and verify all of the correct information they would have been allowed to continue the call. It is discrimination to a huge degree that they did not allow me to dispute my own information all because I had a XXXX XXXX XXXX XXXX  the call for me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this is a formal complaint, whit experian because my problem whit XXXX account was not properly investigated, since they charged collected for a service not provided
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my student loan information due to potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. I recently became aware that my educational records were disclosed without my consent, which I believe violates my rights under both FERPA and the Privacy Act.

According to FERPA regulations, educational institutions and associated parties are required to obtain written consent from the student before disclosing personally identifiable information from education records, except under certain legally defined circumstances. Similarly, the Privacy Act of 1974 mandates that federal agencies protect individuals ' records and not disclose information without consent unless under specific exceptions. 

I kindly request the following actions be taken immediately : A thorough investigation into the unauthorized disclosure of my educational records and personal information.

A detailed written explanation of how my information was shared, including the parties involved and the justification for the disclosure.

Immediate corrective actions to prevent further unauthorized access to my records.

Documentation confirming the rectification of this violation and assurances of compliance with FERPA and the Privacy Act of 1974 regulations moving forward. 
A formal demand for the deletion of any improperly disclosed information from all relevant records and systems, as my rights under FERPA and the Privacy Act of 1974 have been violated.

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) as well, if applicable, given that the unauthorized disclosure may have affected my credit or loan status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.