23daVinci/CFPB_Complaints huggingface dataset:
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 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 fund transfer act ( EFTA ) And regulation E.these actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, XXXX, Equifax, XXXX, and XXXX XXXX about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent correspondence to Equifax, XXXX and XXXX in regards to myself being a XXXX XXXX XXXX XXXX ( Trafficking Victims Protection Act, 22 U.S.C. 7101 et seq. ) Pursuant to 1022.142 ( e ) ( 1 ), these reporting agencies had XXXX days to comply and remove the items described in the correspondence sent. There has yet to be any corrections made by blocking harmful information and it is apparent that these companies Equifax, XXXX and XXXX are willfully and intentionally allowing my suffering to continue and are causing harm to me and my family. They are clearly in violation of Federal Law, and as a Federally Protected Consumer I demand that actions be taken and corrections be made. This is not a matter to be taken lightly. It is the responsibility of the CFPB to enforce our rights as consumers and protect our interests. Please assist me in obtaining relief. I shall be reaching out to federal authorities and plan to request a full audit against these companies for being accomplices to my pain and suffering as I attempt to move forward with my life.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of the Transunion credit inquiry issue which affected a large percentage of credit files. I have been adversely affected by Transunion. All of the credit inquiries that were removed from my credit report for some time by Transunion have been unlawfully reinserted back on my file and have been renewed which has adversely affected my credit file maintained by Transunion. Transunion agent refused to accept responsibility for breach of consumer credit reporting laws to reinsert said inquiries. 
Said inquiries. 
1 ). XXXX XXXX 2 ). XXXX 3 ). XXXX XXXX XXXX 4 ). XXXX XXXX XXXX 5  ). XXXX XXXX 6 ). XXXX
Product: Checking or savings account

On Monday XX/XX/2023 I deposited {$1000.00} on my Michigan first card using an pnc atm machine and it toke my money and was never credited to my account around XXXX pm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX. In spring XXXX, I noticed some fraudulent charges on my account. I contacted the company ( XX/XX/XXXX ) and they cancelled my card, refunded the charges XXXX on XX/XX/XXXX ) and then sent me a new credit card. This dropped my credit score by 50 points. As these charges were fraudulent and I did not get the option of opening another account ( ie. I had to do so ), I disagree with my credit dropping 50 points. 

These fraudulent charges were from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They were from online sites XXXX XXXX XXXX and XXXX XXXX. 

I would like my credit score to be as it was before these charges surfaced and I was forced to get a new card. I am hoping to refinance my XXXX student loans and need the best credit score possible. 

Thank you greatly! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan thru Mr. Cooper. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}
Product: Debt collection

DEAR MIDLAND CREDIT MANAGMENT : Account # XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. The agreement must be with the original creditor and signed by all parties involved. I am requesting this because have had different companies have reached out to me about this same alleged debt and Im scared my information is in the dark web. Therefore, in case you have this agreement please provide me with a copy of all the following : An explanation of what this alleged account balance is for.

A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

Documentation that shows I agreed to pay this debt. ( original contract ) A copy of your Washington state license, including license number.

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the accuracy of the account being reported by MIDLAND CREDIT MANAGMENT. However, they have not given me a reasonable opportunity to dispute the account or provide evidence to support my position.

Mean time this investigation is open please delete any negative item on all my credit reports and Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries on my credit report that I did not authorize, I do not have a connected account, and I did not apply for any products with these companies. These items are as follows : XXXX XXXX XXXX  XXXX XXXX, XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXXInquiry I have no credit cards , credit lines, Automobile loans, or any association with these inquiries. 
I am writing to demand the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX-Inquiry XXXX XXXX XXXXe-XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXInquiry As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Product: Credit card or prepaid card

I received an offer from Sam 's club pre-approved open a master card account and receive {$55.00} off your first purchase of {$55.00} or more on this order. My order was {$60.00} my account was approved. It had to be completed on line and I did that. 
I met all of the qualifications> I applied - approved i ordered - on line after approval II spent- on line {$55.00} Where is my {$55.00} credit
Product: Debt collection

I spoke to the original company. Their workers made an agreement to keep the TV and other appliances in the apartment and agreed to remove everything else. They obviously didnt do it. I just explained the situation to the creditor and I also explained that I was in the process of purchasing a house and the creditor basically threatened my with the good luck trying to buy the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act US Department of EDU # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against the following creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). The attached documentation provides comprehensive evidence of the violations detailed below : FCRA Violations : Incorrect Date of Birth Incorrect Previous Addresses ( Multiple Instances ) FDCPA Violations : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX FCBA Violations : XXXX. XXXX Account Number : XXXX The violations outlined above have caused significant distress and hardship in my life. These inaccuracies have not only marred my credit report but have also impacted my ability to secure reasonable credit terms, obtain housing, and achieve my financial goals. I am deeply troubled by the fact that the incorrect information has been used to assess my creditworthiness, ultimately affecting various aspects of my life, including my emotional well-being. 

Allow me to share a personal story that exemplifies the extent of the damage caused by these inaccuracies. As I was in the process of purchasing a home for my family, I encountered insurmountable hurdles due to these false accounts and improper reporting. The dream of providing stability and comfort for my loved ones was shattered, and the emotional toll of facing this ordeal has been overwhelming. The stress and XXXX caused by these inaccuracies have strained relationships and created a constant sense of uncertainty in my life. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal protections put in place by the FCRA, FDCPA, and FCBA. I request that the relevant creditors promptly investigate and rectify the violations they have committed. Specifically, I urge them to remove the unverified accounts from my credit report, thereby ensuring an accurate representation of my credit history. 

I appreciate your attention to this matter and your commitment to safeguarding the rights and well-being of consumers. I trust that your intervention will bring resolution to this distressing situation and enable me to rebuild my financial stability. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed a list of charges from looking on my Chase checking account on my phone that were foreign. They began on the XXXX of XXXX with the line items titled " XXXX XXXX XXXX XXXX XXXX and either XX/XX/XXXX or XX/XX/XXXX after it. There were eight of those transactions and other lines that were foreign transaction fees that were over XXXX dollar, multiple of them. The XXXX transactions totaled {$330.00} and neither my husband or I have ever used XXXX or have it downloaded on our devices. 

I called Chase to report it to the fraud line and they saw the transactions, said it was related to XXXX pay on my husband 's device. We immediately removed and unlinked XXXX XXXX from my husband 's phone. We also got new debit cards and changed our checking account numbers from Chase. 
He was surprised that occurred as well because he was working from XXXX to XX/XX/XXXX that week and made transactions at his XXXX XXXX XXXX XXXX XXXX  and was working if he used XXXXXXXX XXXX, it was at the XXXX XXXX 's he was working at. Thankfully, Chase reversed the amounts to return to us. 

We also have XXXX Identity Theft protection so I contacted them and XXXX XXXX XXXX has been the restoration specialist graciously assisting us. 
On XX/XX/XXXX, the transactions were taken back out of our account and I called Chase again because I have no idea who did it. They said it was due to my husband 's XXXX XXXX and we would need to send a letter saying we did not do it because they authorized the merchant who the transaction was related to. My husband and I went to the banker at chase bank and wrote a letter and submitted his hours at XXXX XXXX 's since the transaction was related to XXXX XXXX and proved we didn't travel outside the state nor made any online purchases that were related to outside Washington. 

I talked to XXXX XXXX from XXXX again and she told me to filed a police claim for fraud and on identitytheft.gov. I did both those things and last week on XX/XX/XXXX, XXXX XXXX and I called the claims department who sent the letter from Chase and XXXX XXXX was asking about the IP ADDRESS see if another device was used to make those unauthorized purchases and they were not able to find results. XXXX XXXX asked me to file a claim to CFPB and submit the letter from chase describing their lack of ability to restore our stolen money and the transactions were related to a sporting goods store for the merchant description that we have not shopped for anything sporting goods related, nor have anything to do with instpay or XXXX XXXX. Thank you for your investigation and assistance!
Product: Credit card

I had several 0 % balance transfers on my Bank of America Card. Up until XX/XX/XXXX, your credit card statement would reflect the balance of the transfer and show the date when the 0 % rate was scheduled to expire. Starting with the XXXX XXXX statement, it would still show the date of expiration, but all of the balances for the transfers were shown as {$0.00}. I contacted Bank of America several times, and was told that there was a " system '' glitch and the problem would be rectified. The problem was never corrected, but I continued to make my payments in order to pay off the balance. XX/XX/XXXX, one of my grace period rates expired and I was charged interest. Due to the fact that I had XXXX balance transfers on the account, I was unable to differentiate the amount between the XXXX. On my XX/XX/XXXX statement, the amount that I was being charged interest on magically appeared on the statement, as well as the remaining balance that I still had the 0 % grace period on. I contacted the company, and was told that the reason they discontinued showing your balance was not from a computer glitch, but was a policy change that the company chose to implement. I explained to the representative that balance was only reappearing now that I was being charged interest ( 14.99 % ) on it, and he said that this was due to the fact that it was no longer a 0 % balance. He stated that they no longer show promotional balances, which was not true because the other 0 % balance also showed on my card. I asked him to waive the interest accrued, which he refused to do. I asked for a supervisor, who again explained that they had changed their policy as a company in which your balance remaining on any transfers was shown on your statement. He acknowledged that customer service reps had been giving customers misinformation by telling them that it was a system glitch when it was not. He also stated that the reason that they choose to show your balances as {$0.00} is because the dollar amount was not always accurate and customers were getting confused. I found this ironic because he tried to act like they were doing this for the " benefit '' of the customer, yet they have no problem showing your balances when they are charging you interest on it. I stated that if I knew the amount that was on the promotional rate, I would have paid it off prior to incurring any interest, just as I always have. I told him I felt like this was a deceptive business practice and asked him to waive the accrued interest, which he also refused to do. I requested the amount of the balance that I was being charged interest on, and paid it off that day. I have had the card for almost 15 years and have never paid interest on it until this new policy was implemented. I also have credit cards with numerous other companies, and have never seen a promotional balance show up as {$0.00}. I feel like Bank of America deliberately implemented this policy change make extra money off of customers like me that the diligently pay their balances down before any interest is accrued so that they can make money in situations that they had n't in the past.
Product: Debt collection

Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a follow suit on a collections account. I sent the information to Experian and the collection account came back verified through Experian. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is selling deceptive information to Transunion and XXXX in which they are publishing it on my consumer report. This allege debt has not been validated as belonging to me and I have received no notice of my right to dispute this debt before it was placed on my consumer report. I would like the evidence that has been used to validate this debt as belonging to me.
Product: Checking or savings account

CFPB Staff, Truist Bank has left my daughter  and myself in a dire situation! 

On XX/XX/XXXX I filed a dispute with Truist Bank for {$440.00} concerning a package not received from XXXX XXXX. 

Truist Bank 's staff informed me that I WOULD receive a credit within 2-5 days! 

I was repeated this information by Truist 's Phone Staff twice on Friday XX/XX/XXXX, and on Monday XX/XX/XXXX. 

Because of this guarantee from Truist Bank we budgeted our funds to pay our rent after receiving said promised credit by Trusit Bank. 


However, today XX/XX/XXXX a supervisor named XXXX at XXXX and a Supervisor named XXXX at XXXX stated this had been a lie and that NO funds will be credited for up to 130 Days! 

Truist Bank has left us unable to PAY OUR RENT in this dire situation! 

This is fraud and anti-consumer by Truist Bank and has left my daughter and myself in a dangerous situation!