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

Asked company to show me some verification of items they are reporting on my credit report. For the past XXXX years my credit report score never changes. It always stay at a certain credit score. I have tried to dispute numerous times. I have been working on repairing my credit for a while and I cant get these companies to remove inaccurate information. I have filed for identity theft and Im still not getting the results I requested
Product: Credit reporting 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 XXXX XXXX XXXX. The following accounts are not accurate : ADDRESSES NOT RECOGNIZED XXXX OLD XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX - Credit Union XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX Mortgage Reporters XX/XX/XXXX XXXX Creditor Name Account Number Balance Opening Date Status Trans Union XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 30 days late ( 3 ) 30 days late ( 3 ) 30 days late ( 3 XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have few accounts on my credit file I have contacted the credit breau equifax I they are not trying to resolves this issue I have been fighting with them for a long time do to fraud on my credit I have placed a fraud alert and nothing is being done I even file a identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX accounts. ( Please see pages 3 10 of the credit report and spreadsheet of accounts attached. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these, however I have been unsuccessful.
Product: Money transfer, virtual currency, or money service

Gemini account still not verified after a week
Product: Student loan

On XX/XX/XXXX I called FedLoan servicing and requested a copy of the XXXX  repayment plan letter detailing my monthly payment amount ; the letter was originally sent to me on XX/XX/XXXX. I was told by agent # XXXX that I would receive the copy by 3 business days or by XX/XX/XXXX. On XX/XX/XXXX I did not receive a copy so I called again. This time agent XXXX who did not identify herself with a number told me it takes 5 business days and I would receive it by XX/XX/XXXX. On XX/XX/XXXX I did not receive my copy, so I called again and spoke to agent XXXX who NOW told me the request takes 7-10 business days. I have received different information every time I call. I want a copy of the XXXX  approval letter sent on XX/XX/XXXX sent to me immediately.
Product: Credit card or prepaid card

AMEX XXXX I have requested mediation per the cardholder agreement. Not mediation through one of their customer service reps or one of their lawyers who have no interest in their cardholders. A third neutral party. 

I had a simple request, don't charge me for my own XXXX assault, AMEX did anyway. These 'businesses '' are running XXXX trafficking, drugs, and fraudulent receipts like it's just easy money because it is. 

If it were not for law enforcement and the ability through the CFPB to put this into writing, consumers would have ZERO protection. 

This company charged me money for a XXXX XXXX on their card, and they're fine with that. No problem. 

I have said I am filing assault charges with the police. That isn't a threat, it's my legal right. It hasn't happened yet, only because I'm in XXXX and this happened two years ago in XXXX. And now because this company demanded six thousands dollars in payment for a XXXX, I have to but my own ticket back to Texas to start this misery all over again. 

Too many consumers are getting financially destroyed from activity in these places that is flat out AGAINST THE LAW. And they are sending XXXX trafficked victims outside these places to drug men, to fraud the cards, and then demand money by force if they don't hit their quota. 

We just wanted to move on with our lives and not be ripped off or have our lives destroyed. But this company has humiliated someone beyond what is acceptable even in a company existing for profit. They made my family pay for my own XXXX assult. 

That's the final straw. It's disgusting I should even have to assert this. I want a third party mediator before I get on a plane and go the cops. 

I want to talk to a third party. I want to resolve this before it goes to law enforcement, but I don't want to talk to anyone working directly for AMEX. It's a waste of time.
Product: Money transfer, virtual currency, or money service

Cash app complaint : I have disputed charges that were made multiple times on the same date by one merchant. Ive submitted a dispute two times and Cash app has instantly denied it in less than XXXX hours, both times. I know that they did not complete any investigation in that timeframe, and I also called the merchant who said they received no request For any information related to my transaction ID numbers. This is unfair and quite frankly, I am being lied to and mistreated. I am entitled to have an investigation done and receive my money back for multiple unauthorized charges, and Cash App refuses to comply with their own dispute policies. Ive been given the run around and wrongfully denied of the opportunity to get my money back. Now it wont let me dispute those charges anymore. Im more than angry!!!!! Im sick of this!
Product: Credit card or prepaid card

My discover account is currently closed but i'm still making the required monthly payments. on my credit report discover is currently reporting my account as " consumer disputes- Reinvestigation in progress. I'm not disputing this account and need the disputes to be closed as right now it is impacting my ability to purchase a new house. I never asked for a new investigation and didn't ask for the comment to be put on all my credit report.
Product: Credit reporting

I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be Staf trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ;
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : # # # # # # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX 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 can not furnish an account without my written instruction 15 U.S.C.

1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

the previous mortgage servicer did not modify to benefit homeowner and refused to provide any info on its NPV and water fall calculations and never responded to the homeowners protest of the value due to builder defects which greatly affect the value on the open market also previous attempts get modifiaction under imminent default where ignored to the detriment by the delay of modification due current servicer has refused to address this issues and has foreclosed
Product: Credit card or prepaid card

This complaint is an offshoot of my previous complaint to the CFPB ( Complain Number : XXXX ). Today, XX/XX/21, I received a letter from CITI, dated XX/XX/21, asking for me to " provide '' to CITI " with copies of complete bank statements from the date of payment cleared through the most recent payment statement, '' in order to resolve the case of FRAUD, THEFT perpetrated by CITI against me. I sent all the documents to CITI back in XX/XX/21 via USPS Certified Mail ( USPS Tracking # : XXXX ) ; when CITI told me it needed the same documents it's asking from me now. And CITI, according to USPS records, received these documents on XX/XX/21. CITI just stonewalled, when I sent it the documents the last time. And it's trying to do the same thing again, when it conducted its sham, fraudulent, biased " investigation. '' My bank, XXXX XXXX XXXX ( XXXX ) already conducted and concluded its thorough, unbiased, forensic, intensive investigation into the CITI case and found in my favor that CITI did engage in FRAUD and THEFT. And XXXX told me that since it found in my favor I don't have to pay CITI anything. CITI knows all this since I sent it my Written Error Billing Notice ( WEBN ) along with my Complaint against Citi to XXXX and XXXX XXXX conclusion from its intensive investigation as I mentioned earlier. I sent CITI my WEBN, dated XX/XX/21, via USPS Certified Mail, Tracking # : XXXX. And according to USPS Tracking records, CITI received my WEBN letter on XX/XX/21. I'm sending this complaint because CITI is just delaying, stonewalling, and sending me busy work for its sham, fraudulent, biased, XXXX, XXXX " investigation. '' I need CFPB 's help in stopping CITI 's corrupt, egregious, unlawful activities against me by sending this case to the proper federal authorities who will enforce U.S. laws, if CFPB is powerless to do anything. CITI is filled with a bunch of crooks and liars!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX Bank and XXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXX Bank shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXX Bank to blame and the bank is blaming the dealership. While XXXX stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXX Bank has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXX Bank. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX Bank for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from TransUnion? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXX Bank and XXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXX Bank and XXXX has destroyed my credit to the tune of over XXXX points per bureau to force me to pay for their predatory lending scheme.
Product: Debt collection

I have unsuccessfully tried for years to get a account validated from Penn Credit Corporation and they have refused to send any documentation besides Account verified Yeah? By who exactly? It is my right to request this information and did not have prior knowledge of the fact they are legally obligated to send me all records pertaining to my debt.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. 
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and 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

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX - Account # XXXX - Amount {$5900.00} XXXX - Account # XXXX - Amount {$0.00} XXXX XXXX  - Account # XXXX - Amount {$0.00} XXXX XXXX - Account # XXXX - Amount {$0.00} XXXX Bank XXXX Account # XXXX - Amount {$0.00} XXXX - Account # XXXX - Amount {$1500.00} XXXX XXXX- Account # XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX - Amount {$0.00} XXXX Account # XXXX - Amount {$0.00} DEPTEDXXXX - Account # XXXX - Amount {$8200.00} DEPTEDXXXX XXXX Account # XXXX - Amount {$3500.00} DEPTEDXXXX - Account # XXXX - Amount {$8600.00} DEPTEDXXXX - Account # XXXX - Amount {$3900.00} USDOE/XXXXXXXX  - Account # XXXX - Amount {$0.00} has violated my rights. 

15 U.S.C 1681 section 604 A, states I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... Experian, XXXX, XXXX, XXXX XXXX  removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies were required to remove fraudulent information from my report within 4 days it has been over 2 weeks and I have not gotten a response and the fraudulent information has not been removed this is a violation of my rights
Product: Credit card

I notified American Express of my situation with the merchant XXXX regarding an order I made for XXXX on XX/XX/XXXX I attempted to reach out to the seller upon receiving the wrong items which I will provide receipt and actual items I received were provided to amex they were glasses and a backpack I had not ordered which is insane how they mixed that up. I contacted American Express to handle this issue for me as I feared of being left with nothing after 60 days of my order being placed which is outside of the chargeback rule. Amex originally sided with me which was the logical case as XXXX made no attempts to communicate with me or try to mediate and for some reason reversed the decision? I am baffled as to why as according to the law they cant make me pay for something I didnt order or return the merchandise they sent ( which I was as Im acting in good faith ) I explained to them that I will gladly return the items so long as Im not responsible for shipping and duties as American Express said the company requested me to. I reached however and they told me it was outside of their return window? So Im just left with nothing? Thats not how the law works and American Express isnt acknowledging that. They were supposed to take care of this for me which is why I involved them in the dispute as the merchant never reached out. I had to reach out because American Express told me they told me to return them and nothing. They provided their return policy which doesnt apply to me because they didnt respond to me within that timeframe?!? So I got Amex involved to provide me help and they sided with them? Theres countless other horror stories on their reviews as well. Please help this is a lot of money to me I got an American Express card because of the reviews of how they help their customers and Im over here out of XXXX because of the merchants fault hopefully this can cause them to reverse their decision and act according to the law. They clearly acknowledged Im in the right but their hands are tied? Im including the letter. Thank you for your time