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

XX/XX/2022, I disputed the unauthorized, non permissible purpose, inaccurate items on my consumer report through the CFPB. Its past 30 days of the investigation mark and I have received any deletions nor an update on ALL results. Their silence tells me that they can not verify the information and need to be PROMPTLY DELETED from my report and file per 15 USC ( i ) ( 5 ) ( A ) ( I ). TRANSUNION repeated negligence and non compliance has damaged me with emotional stress and ruined my reputation and credit worthiness. These are CRIMINAL acts In accordance with the FCRA and FTC ACT.
Product: Debt collection

Repeated calls. Asked them not to call during day while working. Repeated calls on Sunday
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as the 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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Bank account or service

On XXXX XXXX, XXXX, I a consumer received a Dispute from Paypal on Transaction # XXXX. Dispute # XXXX. This dispute was from a person who attended a online seminar in XXXX XXXX, XXXX and paid the required cost to receive the XXXX XXXX. The customers dispute is unintelligible but complains to Paypal that she was not happy about promises, suggestions, illusions she made regarding how the event was carried on. Nonetheless the person received exactly what was offered which was a online class. Paypal has engaged in debt collection activities by immediately placing on hold and seizing the personal assets of the consumer based on deceptive acts of its customer attempting to avoid paying for its services received and unable to be returned back. Paypal often creates situations whereby customers are often scammed, schemed by persons who know they can obtain services and goods, file a meaningless Dispute supported by no facts, not even a plausible foundation for the complaint. Since Paypal often does no reasonable investigation, the consumer loses proceeds especially services such as XXXX XXXX to which it can not get back. Paypal therefore performs unauthorized electronic funds transfers of assets without legal, lawful authorization to act as a judicial court. Paypal was sued by the CFPB in XXXX for similar acts and agreed by Consent Order to refrain from such illegal acts.
Product: Checking or savings account

Wells Fargo Bank allowed illegal unauthorized fraudulent transactions and charges and has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges
Product: Credit reporting, credit repair services, or other personal consumer reports

*PLEASE NOTE I OPENED XXXX COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! * On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), 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.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.
Product: Credit reporting

Recently pulled my credit report and there were several fruadulent account on my report that dont belong to me and nor did I authorize. 
1. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Also the following are fraudulent names, addresses and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX Ct, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, MD XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian to remove fraudulent inquiries on my credit report, on XX/XX/2022 through the fraud department the inquiries stayed on my credit reported they just updated my information Also XXXX  under the civil law ( 15USC 1692k )
Product: Student loan

I went back to college in XXXX to finish my XXXX XXXX. Navient has a private loan I borrowed in XXXX for college. It was originally in my loan contract that I would not have to make any payments as long as I was enrolled in classes full time. When I went back to school they told me that detail had changed without my knowledge, and they were trying to make me pay monthly interest charges. I received multiple automated phone calls, which I did not agree to on my cell phone, frequently getting multiple calls WITHIN MINUTES. This happened in the summer of XXXX, a year after I had come back to school. When I spoke with someone at navient, they told me their automated system was messing up and continually threatened me with default regardless of the improper phone calls. They said if I made my payments, I wouldnt be getting calls in the first place. I deliberately told them to take me off of their auto dialer, but the automated calls continued. They then placed my loan in default in the fall of XXXX, wrecking my credit. The loan continues to sit in default and harm my credit score because they refuse to put my loan in in-school deferment. I tried to work something out but they only cared about getting any money they could as soon as possible. I am now in XXXX XXXX and continue to suffer from their practices, including continued phone calls as recent as hours before writing this, and the fact that my loan continues to be in collections.
Product: Money transfer, virtual currency, or money service

Regarding coinbase.com I have made dozens of purchases as an investment on coinbase. com.. 

Coin base is an investment platform that charges a fee for the purchase and sale of digital currency. They do not have any transparency with regard to the price at which I purchase and there fees for transacting my transacting my purchase. 

I believe they are both charging a fee for each transaction and skimming skimming my profits by it's by reducing reducing the actual number of shares that I purchase I'll be it in the tens or thousands of of cents per share. 

They do not provide any means for me to see the exact number of shares I purchase in any transaction along with the corresponding price per share at that time that the trade is executed. 

By not being transparent in this regard, I feel as though they are shaving my earnings and shares. 

They do not provide any means of means of customer service, only a directory of help topics. Neither telephone nor email support is not available. 

I have no means of obtaining an exact record of my sales and purchases and therefore no means to reconcile whether or not my transactions are executed properly.
Product: Checking or savings account

I received a phishing letter representing themselves as Wells Fargo. They indicated my deposits did not go through. They listed a number which I called and they obtain my personal info such as ssn and dob. On follow up with my bank, they had no records of this account. The number used was XXXX
Product: Credit card

I have ask Comenity bank to contact me about setting up payment, I made a Payment in XXXX of, XXXX XXXX, it seems that y account keeps going up I need arrangements to pay monthly to get my account back this has been going on too long, yes I have been out of work due to XXXX XXXX and to recover in the last 4 years, and been out f work, But I have charged on this card in years and it eem they keep reporting the XXXX, that I am DELINQUENT, and I do not like that I had one agreement to pay XXXX monthly for a year, and it did not go down, still spent out over XXXX and the bill is XXXX, XXXX I am not understanding this. As I said they have not contacted me, ( to my knowledge ), of setting up monthly payments and my bill is higher., Matter of fact, it was a payment of XXXX and XXXX dollars may in XXXX of XXXX, and it is back up to XXXX, when I could not charge on my CARD. I need it straightened out immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted XXXX XXXX to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting XXXX XXXX for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. XXXX XXXX is well known for their fraudulent practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent items to be removed from the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX 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: Debt collection

I received letter from Financial Recovery Services Inc. that I owe a debt to XXXX  now XXXX  XXXX XXXX that I never incurred. The first I heard of this was in a letter that I received on XXXX XXXX XXXX. Apparently this transaction occurred in XXXX of XXXX. Besides not ever using the above mentioned services, the time frame was also suspicious in that they would not have contacted me directly but waited a year and an half to send to a collection agency to try to receive payment. I assured them that this was not my debt but they said they would need a copy of a police report to resolve this issue. I contacted the police, made a report and they suggested I come here and file a report. XXXX could or would not tell me what the debt was for or when it occurred just saying i made a small payment in XXXX of XXXX and if I checked my records it would refresh my memory. Well I did just that and no payment of the amount they stated was ever made from any account or credit card I own. I then called the credit bureaus as the police suggested and none of them had any record of any activity on my credit. I do not know the validity of XXXX but all signs point to this being a shakedown.
Product: Credit reporting or other personal consumer reports

.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently.
Product: Credit reporting or other personal consumer reports

This is my XXXX  time writing this issue. I sent your company a claim last month XXXX XXXX,2024, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Product: Credit card or prepaid card

CITI Bank, XXXX XXXX XXXX, XXXX OR, XXXX Credit Card Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Account Ending XXXX Received letter dated XXXX XXXX, 2017 that I previously enrolled in Credit Protector, optional debt protection program. In which I was charged a monthly fee. I had NO knowledge of being enrolled in this program. I was told to enter reference number XXXX and Tracking Number XXXX XXXX XXXX
Product: Credit card or prepaid card

I was reviewing my credit and noticed a 30 day past due in my sync/XXXX account number XXXX in XX/XX/2012, i am not sure why this happened, i believe that i had made my payments to you on time, my only thought is that my statement did not get to me on time.
Product: Mortgage

My home equity line with Bank of America has turned into the payback period and the payment went from $ XXXXmo to $ XXXXmo. I applied for their modification program and was rejected and told that the reason was because my payments weren't late even though the new payment is a burden. 
In XXXX of this year I went into a Bank of America Branch to make a payment that was due on the XXXX on the XXXX The rep checked with the collection department to make sure I was not 30 days late ... The rep in the collections that the payment is not considered 30 days late until after the month changes even if that means 34 days when the due date is the XXXX. 
With that information I made my payments after the XXXX of each month but before the first. 
Now I find out that in XXXX they reported me as a 30 day late. 

Also the payments I was making included what I was being told was a late fee of about $ XXXXmo. But that was not being applied to the late fee but to mortgage so the late fee was increasing each month. 
When I called to discuss that I was told that If I did not pay the late fee I would not be reported as 30 days late and asked the individual who I spoke with in collections that If I subtract the late fee from the amount due I would be fine. 
Then again the misinformation that I was giving by the collection department resulted in me being told my payment was insufficient and because of that I would be considered 30 days late in XXXX. 
I could neither resolve any of this with Bank of America or the credit bureau. 

I want these lates removed from my credit report so that I can refinance into a new heloc that is affordable. 
Because of this charade my credit score has dropped to the low XXXX 's The on-line banking summary section is very confusing concerning late fees and amounts due
Product: Credit reporting, credit repair services, or other personal consumer reports

I been witting to equifax, to fix issues with in my credit, they just don't bother to respond, i have mail already 4 letters with a copy f my driver license and social security card and they don't respond or refuse remove the errors Personal information..I never ever lived in any of this places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Personal statement ( I NEVER REQUESTED THIS ) Statements Personal Statement ( s ) FRAUD VICTIM. " INITIAL ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE Inquires Not Done by me, no authorization either verbal or written XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX National Credit Card Cos.
Product: Credit reporting or other personal consumer reports

TRANSUNION still fails to correct my consumer report and closed the investigation without responding to all disputed items. This is now the 4th dispute. There are 4 accounts with incorrect balances and missing payment history. These inaccuracies needs to be fixed. Other credit bureaus are reporting these accounts accurately, and TRANSUNION is not and is stalling me, the consumer. The letter that was sent is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all 3 bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all 3 bureaus - ALL ACCOUNTS NOT REPORTING TO ALL 3 BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!!

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL promptly delete that item of information!!!
Product: Vehicle loan or lease

I take home ~24,000 a year. I have a loan costing me {$310.00} per month and a 14 % interest. It's feeling impossible and I feel like I'm drowning between that, cost of living in XXXX, student loans, and everything else. 

Santander refuses to restructure it. They've accepted late payments but they won't work with me on a lower payment and interest. It's killing me. I can't refinance anywhere and I can't sell the car.
Product: Debt collection

I have disputed the alleged medical collections reporting on my credit many times with the 3 major credit bureaus. As well as directly with the collection agency via certified mail. The information they provided back to me clearly shows that the accounts are NOT mine. They also did not even provide any proof at all on half of the 8 accounts they allege i owe. They have violated 15 USC 1692 FDCPA and 1681 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to demand that you erase and place an immediate block on the fraud recorded beneath my credit report in 4 days of this correspondence. I have got a copy of my credit report and the data recorded beneath doesn't identify with any exchanges that I have made ; in this manner, I am mentioning that these things be totally erased and blocked from my credit document. This is certifiably not an ordinary question. If you don't mind evacuating and obstructing the accompanying data from my credit report in accordance with area 605B of the Fair Credit Reporting Act inside 4 days. I am mentioning that the accompanying items be deleted and blocked from my credit document.