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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) during to inadequate customer service and unfair practices, which violate the Consumer Fiancial Protection Act ( ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, their disputes 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 Fiancial loss and I seek appropriate redress for these violations.
Product: Credit card

I have attempted multiple times to fix the issues I'm having with US BANK. US BANK XXXX XXXX XXXX and also trust fraud against me. I had given the company my social and my electronic signature in order to extend them credit from my cestui que trust to give me my credit. The company took adverse action against me and did not act in their judiciary duty as Trustee. When I granted them access and made them trustees the company always has to act in my best interest and to deny me my own credit wasn't in my best interest. Also, I was told multiple times that my securitized application with be on file for 7 years so the company can continue to profit without my consent and not give me any benefit. It is unauthorized use of my credit since I had used my social security card for this consumer transaction and didn't benefit at all, but US BANK is benefiting off the securitize application. This is an unfair bill of exchange, and my consumer rights are being violated. I'm requesting the advancement to file arbitration for security fraud and trust fraud and many USC violations. 15 USC 1602 - The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 USC 1602 - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. According to Federal Reserve section 16 part 1, Only the board of Governors of the Federal Reserve can deny someone and this is for all member banks and national banks. Committing XXXX XXXX is a Heavy penalty and has no statute of limitation on it. I have proved US BANK is violating me and has stated it/explained it to my case worker XXXX but she continues to ignore the laws and don't care to hear the laws that govern consumers and protect consumers. I have already revoked any POA and filed an updated one with the IRS XXXX form. Also, discriminatory practices were taken against me to help deny me credit I'm entitled to. If US BANK needs me to explain further and quote more federal laws, I can and I can explain in more detail about the infringement on my federally protected consumer rights. I request the advancement fee for arbitration so I can file for security fraud and trust fraud and consumer rights violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency.
Product: Credit card

I am writing to formally dispute the deferred interest charge of {$2000.00} that was added to my credit card account XXXX XXXX XXXX XXXX on XX/XX/XXXX I believe this charge is incorrect for the following reasons : I was not aware of the deferred interest charges and expiration of a promotion after an year from the loan date. This was never explained to me this way. I was told at the stores that I have one year interest free on this card and my understanding was that I will be paying interest charge on my current balance as of that day on which the interest free period expires. 
And the deferred interest charge has come to my notice only now as I have a auto payment setup and I was not looking into the balance details every month. 
I have made the payment in full now and also paid the exorbitant 30 % interest charge on the deferred interest as well for the past 2 months. I called the bank last week and explained them about the stores who sold this offer to me not explaining how this works. I discussed about the interest charges, which is 50 % of my actual balance, and requested the bank to waive off the interest charge and that I want to pay off the balance in its entirety and that I am willing to bring the account balance to XXXX. Which I have now. Please waive off the deferred interest charge atleast on humanitarian grounds. If the stores had explained promotion period accurately I would not have used/opted this credit at all. Or at least I would have made this payment 2 months ago and not put my self in this situation, where I pay 50 % interest on balance and again pay interest on interest. 
I have been charged interest rate while the dispute is open. THey are charging interest on interest. 
- They keep calling me and harass me for the payment, and disreagrd the fact that it is in dispute-
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX This company I have spoken too repeatedly about this bill explaining that my employer- XXXX  XXXX  of XXXX  Workmans Comp division is who the payment party should have been as I was hurt on the job at XXXX XXXXXXXX XXXX XXXX  while in XXXX XXXX employ. This was over 2.5 years ago. 

They referred the bill to GLA COLLECT of XXXX  # XXXX phone XXXX. My credit has been harmed over bill I did not owe.
Product: Debt collection

I was seen in the Emergency Room in Minnesota while I was visiting my great grandkids out there. I was very sick and they took films, cost {$450.00}. I was covered by XXXX at the time. I gave them my card before I was seen. I contacted XXXX when I returned to California. I gave them the account number of the bill, date, and mailing address. They said they would pay it, but they did not. Subsequent calls from their collection agency were answered and they seemed satisfied, but then I find this issue on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit bureaus, report on XX/XX/year>, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. FACT : 15 USC 1681 c. ( 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 crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) DEBT SUMMARY Credit card and credit line debt : Transunion : {$0.00} XXXX : {$0.00} XXXX : {$0.00} Loan Debt : Transunion : {$180000.00} XXXX : {$36000.00} XXXX : {$180000.00} Collections Debt : Transunion : {$730.00} XXXX : {$730.00} XXXX : {$730.00} XXXX XXXX Transunion : {$180000.00} XXXX : {$36.00}, XXXX XXXX : {$180000.00} Open Accounts Transunion : XXXX XXXX : XXXX XXXX XXXX Accounts never late : Transunion : XXXX XXXX : XXXX XXXX : XXXX Closed Accounts : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Age Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oldest Account Transunion : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly : ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 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 to any 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

Someone using my name getting a lot of credit cards like 7 credit cards with Comenity bank and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do
Product: Checking or savings account

I typically have access to my paychecks on Wed. However, it is Friday morning and my deposits into both my savings and checking accounts are still not showing and the company has not even sent any emails. I only have a app notification telling me that there are some technical difficulties. This is affecting both me, my husband and my son. We have not received our paychecks.
Product: Debt collection

XXXX   XXXX   placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt.   XXXX   XXXX   is advising that the last payment they received was for  XX/XX/XXXX . They did not charge off the debt until  XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.
Product: Credit card or prepaid card

My Lowe 's store credit card is managed by Synchrony Bank. They refuse to send me paper account statements by USPS, or an email, and then claim that I owe a {$25.00} late fee when my payment is not received by the due date. I have repeatedly notified them that they need to notify me when there is a balance due but they continue to ignore those requests.
Product: Checking or savings account

On Thursday, XX/XX/XXXX my boyfriend sent me XXXX payments Through his mobile banking App XXXX XXXX XXXX the first payment made was {$25.00} and the second payment made was {$1.00}. He got email confirmation that the payment had been sent and processed, but I never received anything in my bank account. I usually get notified when I receive a XXXX payment but I was not notified so I checked my activity center and they had no list of Those payments coming through.
Product: Credit reporting or other personal consumer reports

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. 

Accounts names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. and according to the Fair Credit reporting Act whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i ( 5 ) The consumer Reporting Agency treatment of inaccurate or unverifiable information is to Delete the account from the consumer report in which it relates.

( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall -- Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Also, according to 15 USC 1681s 2 - The consumer reporting agency shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

For weeks they have been calling more than 10 times a day from different numbers most starting from XXXX to after XXXX central time. They leave several messages regarding the debt that I have no relation to. Some voice messages are automated and others are not. These calls have become so excessive to the point where it is truly disturbing me, especially when I am not the person they are looking for.
Product: Credit card or prepaid card

On XX/XX/22, I noticed a charge on my Bank of America XXXX XXXX, placed there by XXXX XXXX ( which I did belong to last year ) but these charges were for {$190.00}. For the upcoming year. I do not recall giving XXXX XXXX permission to automatically charge my card for the upcoming year. 
( XX/XX/22 XXXX XXXX {$190.00} -- - Reference no. XXXX. 
By email, I contacted XXXX XXXX, and told them I wanted the upcoming member ship cancelled, and the {$190.00} refunded back to me. 
I received an email from XXXX, indicating my membership had been cancelled. 
I received no refund of the {$190.00} from XXXX. 
I contacted Bank of America, XXXX on XXXX at XXXX pm, and spoke to XXXX, and explained the problem, that the amount needed to be put into dispute, as I was due a refund of {$190.00}. 
As of XX/XX/22 there is NO credit of {$190.00}. On my online Bank of America statement. 
There appears to be no DISPUTE in process. 
So my call, of concern, to XXXX was placed in vain. Bank of America did nothing. 
WHAT I WANT I want the {$190.00}. Removed from my statement as a charge. 
I HAVE the email, sent to me, by the XXXX XXXX, indicating my account is cancelled for the upcoming year. 
Now I need my money refunded.
Product: Credit reporting or other personal consumer reports

I've mailed a dispute letter to Experian after I've noticed several accounts and information that's reporting to my consumer report without my consent and which is also inaccurate or invalid. Experian is reporting an account that doesn't belong to me and reporting under multiple violations. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which Experian should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting.

Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, Consumer and XXXX person who its a victim of identify theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy. 
I enclosed all documents social, ID and statement.
Product: Mortgage

My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The DC XXXX  Court dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, XXXX, and Experian but the charge offs and account matters are being reported despite the court dismissal.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FIN SVCS LLC is a charged off account being reported incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased a Macys gift card for {$200.00} on XX/XX/XXXX and tried to use it on XX/XX/XXXX. When I tried using it at the store on XX/XX/XXXX, the pin located in the back was not there. I opened the gift card in front of the cashier and even the cashier saw. Right away, the cashier called Macys gift card department to let them know that the gift card did not come with a pin in order to use it. The person over the phone told her that the gift card had been used already. We informed her that this couldn't be possible as we had just opened the gift card in front of the cashier. The person over the phone said the only thing she could do is open a claim and hope that Macys sends me a new gift card as I had been scammed. I finally received a response from Macys and they're saying that there's nothing they can do as the gift card has been used.

I called back today to Macys gift card department and the guy helping me said it's a known scam and that he knows im telling the truth but that unfortunately there's nothing that can be done. He gave me the name of the person that used it, the location, and the date that the card was used. The card was used on the XXXX XXXX XXXXXXXX online. I told him again that this was not me and he said that he knew but unfortunately there's nothing he or Macys can do.