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

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. As I am a victim of a data breach, these fraudulent items must be removed under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
Below are the details of the accounts and inquiries to be removed : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX has violated my rights.

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

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX., has violated my rights. opened XX/XX/2022 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 for any purpose this account open as an error from the store, they I applied for XXXX XXXX and now I have 2 cards for the same store, and I cant put on automatic debit, this card does not even appear in my store dashboard, I spoke to the manager he told me to be able to remove the late payment he needs to close the account
Product: Credit reporting or other personal consumer reports

I do not recognize any of these inquires that appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Date:XX/XX/2020 Amazon Store Credit Card ( Synchrony Bank ) Store Mattress Firm Matress damaged & Bad quality DeliveredXX/XX/20 & Next day XX/XX/2020 disputed to Credit card Co.Amount is {$270.00}
Product: Mortgage

when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them.
Product: Credit card or prepaid card

On XX/XX/2023 I received and paid off a bill on my visa card issued by Bank of America in the amount of XXXX. On XX/XX/2023 I received a bill of XXXX  which included XXXX I charged on XX/XX/2023 plus an interest charge of {$0.00}. I am attaching the bills for XXXX and XXXX.
Product: Credit card

Capital One charged us interest even after we paid off the balance and closed the card. 

We had a balance of {$20000.00} as of XX/XX/24 on our credit card. Using Capital Ones payment portal, we selected the pay of balance entirely option and paid that amount. 

On XX/XX/24 we were charged {$62.00} in interest on a card completely closed and paid off. 

We called today XX/XX/24 and were told that we were charged daily interest from the last interest charge of {$310.00} on XX/XX/24 until the payoff on XX/XX/24. 

There was no notice, indication, or warning that there was more pending charges after their payoff amount. The supervisor on the phone said this was the last interest payment and we wouldnt be charged further. She later conceded that if we dont pay the interest by XXXX we would be charged late fees and interest on top of that. 
The interest charge also came earlier than the previous month. 

There was no way given or told to us to know the final interest charge exactly. Even if we called they still wouldnt know the exact amount. They offered no way of reconciliation.
Product: Mortgage

I'm a senior citizen over XXXX XXXX XXXX, I apply for a mortgage loan from Citi Bank they hold on to my loan application for more than 65 days, and on the top of that they force me to get an appraisal and insurance for the house that I suppose to purchase, before close the deal or pre approve letter, they made me loose {$950.00} for nothing and after all this wait they denied my loan base on lies and misinformation, I try to solve this issue with the company but I was not successful because I was dealing with a person by the name XXXX XXXX, he refuse to understand that Citi bank employees made a big mistake, when they force me to pay all this money without any pre approval letter and he blame me for their mistakes, Every bank will give you a pre approve or denial letter within a few days after you summit your taxes for the past two years then they will ask you to start spending money on appraisal and insurance and so on but not in my case. 
I lost {$950.00} for their stupid mistakes I would need your help to get my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$15000.00} - Account # : XXXXXXXX XXXX XXXX XXXX  - Balance : {$14000.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1100.00} - Account # : XXXXXXXX XXXX XXXX XXXX  - Balance : {$5300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA mandates that consumer reporting agencies take reasonable steps to ensure the accuracy and privacy of personal information ( 15 U.S.C. 1681e ). If this information is found to be incorrect or unverifiable, I request that it be deleted from my credit report. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. On XX/XX/XXXX you verified a public record I had disputed. It was a XXXX XXXX Bankruptcy reported/filed on XX/XX/XXXX. I am now requesting the method of verification, including the name and address of the furnisher of information. Not the source, but the furnisher or subscriber. If you can't provide any of this, I demand the immediate removal of this public information. U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. Please remove this item ASAP.
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 customer Financial Protection Act ( CFPA ), Specifically Cash App failed to take timely and effective measures to prevent and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an illegal collection that has been reported on my credit report. The collection is for a debt that I am not responsible for, as it was incurred due to a work-related injury covered by workers ' compensation in Texas. 
According to Texas Department of Insurance, Division of Workers Compensation, providers/collectors are required to send bills related to workers ' compensation claims to the carrier. However, the collector in question has disregarded this requirement and reported the collection on my credit report.

This action constitutes a violation of my rights and is illegal.

The continued listing of this collection despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached copies of the relevant documentation, including the workers ' compensation claim and the insurance carrier info, to support my claim
Product: Credit reporting or other personal consumer reports

There are multiple mistakes on my credit report that I would like you to investigate and remove as soon as possible. 

XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX {$24000.00} XXXX XXXX {$7500.00} XXXX XXXX {$7100.00} The four cards above I used to be an authorized user on. But hold no responsibility to pay these cards. I have already notified the bank and they have agreed to remove me as an authorized user. I just need the credit reporting agencies to also remove me, I am not a authorize user on any of these cards anymore, please remove them as soon as possible XXXX XXXX {$5800.00} XXXX XXXX {$4300.00} XXXX XXXX {$4900.00} XXXX XXXX. XXXX {$1200.00} All four of these accounts were open fraudulently. I've reported them to the banks, but they choose not to do anything. At this point, they have charged off the accounts which I have to claim with the XXXX as income. And if you check with your legal department, you'll know that it's against federal law to list income on my credit report, feel free to check with the banks. All four of the cards have been written off which I then claimed does income on my federal taxes. Please remove the as soon as possible. If you're uncertain again, I would ask that you forward this onto your legal department. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 The inquiries above were all done fraudulently I have contacted each bank and they all confirmed that the information was slightly different and that the inquiry was fraudulent and they've removed it from their records, but they say it's up to the reporting agencies to do the same thing. So I don't know exactly what you need to do, but feel free to contact these banks. They will confirm that these were fraudulent inquiries, and I would like them all to be removed as quickly as possible, thank you I only have two names XXXX XXXX XXXX XXXX XXXX All other names are fraudulent and are not me. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX Automatic renewal for annual membership to MasterClass that I had already cancelled was charged to PayPal. 

Same day, same amount General Credit Card Deposit was applied to PayPal, referencing same transaction ID XXXX. 

XXXX XXXX refused to refund subscription. I filed dispute with XXXX credit card XXXX. 

XXXX Payment Refund and a General Credit Card Withdrawal, each for the amount of {$180.00} was applied to my PayPal account, both referencing same transaction ID as on XXXX. 

XXXX Received e-mailed notice that PayPal received notice from my credit card company that I had opened a dispute ( 9 days after I had filed ). 

XXXX A General Account Adjustment for the amount of {$180.00} was applied to my PayPal account, referencing the same transaction ID as on XXXX and XXXX. 

XXXX XXXX ( my credit card company ) issued notice to me that they had resolved my dispute. 

XXXX On phone with PayPal Customer Service for over 20 minutes trying to resolve. 

XXXX This is the first notice I have on file of debt collection on the negative balance. I continued to receive e-mailed notices, as frequently as every three days! 

XXXX See attached phone call log from this day. Never received promised call back. 

XXXX I received an e-mailed notice from PayPal stating that they have transferred my referenced account to XXXX. I responded with request for clarification, and I have received no further response, nor have I received communication from XXXX. 

XXXX My PayPal account still shows negative balance.
Product: Credit card or prepaid card

this is a dragged out Dispute which has been lingering for over a year in XXXX oXXXX XXXX, i purchased a bicycle on a website promoted by face book the original charge was for $ XXXX did not feel comfortable with the purchase because i did not recieve a trackin # for the item which i had paid additional for express shipping. I called the credit card company and the filed it as a fraud case.i still recieved a bill and expected to pay it .months later i recieve a cheap XXXX fitness rubberband, althought the package did note state the name of the company i purchased the bike from, i am sure it pertained to this purchase. clearly a scam.I disputed the charge as i did not recieve what i paid for. the credit card company barclays bank Jetblue mastercard decided with the merchant, I appealed and after a year they once again sided with the merchant my bill is now doubled in interest and late fees.Most of these ridiculous dissisions are from incompetance of the employees which i have witnessed try to resolve the dispute.i am not sure on how this will help me without have my personal info
Product: Credit card or prepaid card

I am in the process of purchasing a home and noticed that Syncb/Qvc marked me late for XX/17 for 30 days and XX/17 for 60 days. I never recieved a statment or anything showing I was past due. To my knowledge the last payment I made paid off the balance I was owing. I have called to Syncb and they are only willing to credit me the late fees and have refused to remove the lates from my credit report. There was only {$44.00} owed which I dont know how it happened because I have not used this card in quite some time and they closed the account due to in activity.
Product: Payday loan, title loan, or personal loan

talked to the company and they told me to submit a form to where I explained I was out of work and struggling to pay off my loan they denied it I guess because the job that left me unemployed I couldn't find their business ID I even tried reaching out to my old manager to fill it out for me no response.. so they denied and added fees that made me go way over my credit limit and made my pay off way more
Product: Credit reporting or other personal consumer reports

I did not Authorize these inquiries XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XX/XX/2022.
Product: Debt or credit management

The service is Tomo Credit, specifically Tomo Boost. 

Here is my issue, with screenshots/emails to back this up. 

XX/XX/XXXX, I emailed Tomo to cancel my subscription of their " XXXX XXXX '' for {$34.00}. 

They didn't reply until XX/XX/XXXX ( charging me another month ), and assured me it would be cancelled. 

It is XX/XX/XXXX, and the subscription is still not cancelled. Not only that, but this service reports to the credit breaus with an account on my credit as TOMO. 

This account was closed in XXXX of XXXX, yet they are still charging me {$34.00} every month. 

When I emailed them again to cancel this, and put in a chargeback for the month of XXXX, their customer service is actively refusing to cancel it, for no reason other than " we want to secure your financial future ''. 

Their website also does not have a cancellation feature. You can not remove cards for the subscription. You can not remove bank accounts. You can not cancel your membership. The only way to cancel is through their support at XXXX, and they do not cancel it. Instead, they gaslight. 

Highly un-professional and borderline a scam. The whole point of the boost service is to 1 ) make an account on your credit 2 ) report on-time payments 3 ) this is a monthly service cost of {$34.00}.

Tomo has removed my account on my credit, and is not reporting on-time payments, but they are still charging my account! This is fraud! 

Since XX/XX/XXXX, {$34.00} has been taken unwillingly despite multiple emails to cancel the service. 
That is {$310.00} of my money taken, while also hurting my credit by 10 points. All thanks to this " service ''
Product: Credit reporting or other personal consumer reports

XX/XX/year> I want you to updated to paid as agreed and all negative payment history removed. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.