23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted a dispute through XXXX for my previous mortgage loans that have falsely reported to my credit report. The mortgage loans were through XXXXXXXX XXXX XXXXXXXX XXXX and Truhome Solutions. I have bank statements showing when we made payments. We also were trapped by the bank into our XXXX home loan, and falsely lead into a high interest rate that benefited the bank, not us the consumer, but they didn't make us aware of everything when we were getting the loan and they had their " board '' make it work. We feel we were used as a consumer and taken by the bank. We also knew the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and we feel that connection is what got us trapped and used for this high interest loan. We are fighting them through the XXXX  as well.
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 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 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 reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Product: Credit reporting or other personal consumer reports

There are two accounts on my credit report which are third party companies that received my information without my consent neither written nor verbal. The amounts have been reporting on my account inconsistently for different amounts. The original creditor was XXXX XXXX XXXX for one in the amount of {$6700.00}. The other amount is for {$8500.00} and the original creditor was XXXX at XXXX XXXX. Hunter Warfield Inc have received my information without my consent which is identity theft under 15 U.S Code 6802 opt b.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 Acima responded to my 2nd complaint about my consumer laws that was broken by their company. Acima basically told me that the laws do not apply to their company because their not a creditor or lender which is incorrect. Acima is in fact a creditor by law U.S.C. 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. My extending agreement was for more than four installments my agreement was 12 monthly renewal payments of {$360.00} before tax, plus an initial payment of {$50.00} before tax, for a total of {$4400.00}. I also called on XX/XX/21 when talking to a representative from Acima they told me they didnt know what they were and said he do not know why it was said that the company is not a creditor. He then transferred me to his supervisor. He also was confused but said they are a leasing company which is the same and the rule apply to them also by law 15 U.S. Code 1667d. This will be my last time contacting Acima for this matter if not corrected future criminal liability for willful and knowing violations will be imposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

XXXXXXXX XXXX XXXX XXXXXXXX Letters XXXX Letters Letters & Status Dispute Items Educate Messages Invoices Activity My Saved Letters ( XXXX XXXX ) comment Here are all the letters you have created in the XXXX and saved for this client. 

Letter Name Created date Abbreviation 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  Re : Investigation of Inaccurate Credit Report Items is in Violation Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report To Whom It May Concern, I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report
Product: Checking or savings account

Booked a car rental through XXXX, they never sent any confirmation number but they did debit my account. A few weeks before the rental date I reached out to them to request this information and they informed me that I was not in their system ( via email ). I filed a dispute with NFCU who initially credited me and had me send in the email, but their fraud department keeps claiming I didn't turn in the email although customer service can see it and I have 2 separate occasions where customer service confirmed receipt of the email on record. They closed the dispute today citing a lack of evidence. I believe their department is harassing me, either that or they're incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute certain entries on my credit report and to request your intervention in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 

The violations I am addressing pertain to unauthorized inquiries, questionable account information, and inaccurate personal data that have been inaccurately reported by various creditors. These violations have caused profound distress and hardship in my life. Allow me to elaborate on the impact these violations have had on me and my family : In XXXX, I experienced an unexpected family medical emergency that required urgent attention and significant financial resources. At a time when my focus was on the well-being of my loved ones, I discovered that unauthorized credit inquiries had been made without my consent by entities such as XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX These inquiries were not only invasive but also exacerbated my stress during an already challenging period. 

Furthermore, the inclusion of questionable account information on my credit report, specifically associated with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, has further hindered my ability to secure financial stability. These inaccuracies have prevented me from accessing fair credit terms, imposing obstacles on my efforts to rebuild my financial standing after the aforementioned medical crisis. 

Additionally, the erroneous reporting of incorrect previous addresses, namely XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has led to confusion, misunderstandings, and potential identity-related concerns. I value the security of my personal information and find it distressing that such inaccuracies persist on my credit report. 

It is imperative that these violations be promptly addressed and rectified. I kindly request that the Consumer Financial Protection Bureau enforce the relevant provisions of the FCRA, FDCPA, and other applicable laws to ensure the removal of unauthorized inquiries, questionable account information, and incorrect personal data from my credit report. The emotional toll and financial setbacks caused by these violations have been profound, and I believe it is my right as a consumer to have an accurate and fair credit history. 

In light of the above, I urge the CFPB to communicate with the involved creditors and advocate for the removal of the unverified and inaccurate account information from my credit report. This action will not only restore my faith in the consumer protection system but also provide me with the opportunity to regain financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and accountability in consumer credit reporting. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I want to change my method of payment from ACH and the company does not have an option on their website to do this. I have sent emails and they will not respond. I have called the customer number listed on their website and have been on hold for as long at 40 minutes but no one answers and it automatically disconnects. There is no way to reach a person at this company or conduct business on their website.
Product: Checking or savings account

I am a customer of Bank of Texas here in XXXX. their " system '' has been down for over XXXX hours. I can not access any of my money in anyway, on line, atm, in person banking!!! 
They have no answers and to when it will be up. How do they not have back up???????
Product: Credit card or prepaid card

Was given a gift card by daughter for JC penney hair salon, XXXX Oregon {$40.00}. Had my hair cut XX/XX/2019. Charge was XXXX, had them give the other XXXX as tip along with XXXX cash. They took the gift card and are now billing me for {$40.00} for hair salon services on my credit card. At no time were they even told or shown my credit card with JC penney. Should not have even known I had one. Have reported and am getting no response as to them taking this charge off my statement. Looks to me as if they kept the {$40.00} gift card and pocketed the money and now billing me for {$40.00}.
Product: Checking or savings account

There is way too many overdraft fees that they charged me with from 2020 to this date. Please open investigation, to see my account.
Product: Mortgage

Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * XXXX XXXX XXXX Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX to. I have contacted them both and up to now its still there
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no specified reason, just saying for my protection for 180 days it had been way over that period of time. They sent me an email saying my balance is available for withdrawal now but its is not allowing me and they are not providing any help. I don't know if this is some mistake with their system. It has been months now I have been living without my benefits but I was just told I can make a report on her by a friend if I feel like they are not properly doing their job. This has affected me too much as I use this as my deposit for my corona benefits. 

My account is XXXX XXXX XXXX XXXX