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

I did not give XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the XXXX disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX XXXX and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with Equifax who is allowing XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give Equifax permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from Equifax.
Product: Debt collection

I placed numerous disputes with XXXX dispute confirmation # XXXX and dispute confirmation # XXXX requesting more information and to delete the collection from my report because its covid related, I loss everything all my personal possessions and home due to the covid pandemic, I never was able to return back to my home in XXXX to pay the utility bill. 
I can't travel in person to resolve the debt I'm now XXXX miles away, so basic functional information is absolutely essential for me to resolve the debt. I did several months contact the company XXXX  through one possible number, but I was told the company does not have any debt collection department and that all that could be verified is my basic information with no debt owned... 
I also requested for XXXX to remove this item from my report because the phone number which is mentioned on their report doesn't make any sense it is mentioning only a nonfunctional phone number, a contact phone line which is currently disconnected, no fax number and no website no way to contact the company which makes it impossible to resolve or pay ... XXXX STILL later reported the information accurate with a disconnected phone number. 
the name of the COLLECTION AGENCY IS Southwest Credit Systems in the amount of {$100.00} with a covid date of around XXXX, ONE MONTH RIGHT BEFORE THE COVID SHUTDOWN
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 ). 
Cash App specifically failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable 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

Please the attached letter. I have previously disputed this account and you failed to follow the law. As a consumer, I have every right to receive the documentation that you used to " validate ' not verify this account. Please follow the law FCRA to the letter.
Product: Credit card or prepaid card

In late XX/XX/2022, my friend referred me for American Express XXXX XXXX XXXX credit card and I was offered with a welcome bonus of XXXX XXXX ( my friend witnessed it ) if I can spend {$3000.00} in 3 months. However I still have not received the welcome bonus after I have spent more than {$3000.00} in 3 months. My friend has already received the referral bonus. 

I chatted with American Express Customer Services via the chat portal couple of times and they gave me conflicting responses ( can share screenshot if needed ). 
" Thank you for sharing this with me, let me quickly check it for you. The offer was - Card Members who apply through this offer and are approved for the XXXX XXXX XXXX American Express XXXX can earn XXXX Bonus miles after spending {$3000.00} or more in eligible purchases are made on the Card within the first 3 months of Card Membership. '' and then they told me my welcome offer was declined. They opened a case to investigate this and told me to wait for 6-8 weeks. 
After 6 weeks of waiting, I checked in with them and they told me 'After the review. Our specialist has advised that the Welcome offer was removed from your account and there is also a note here that the welcome bonus is declined. 
I do know that you have been offered the welcome offer once you have opened the account. ' They stated that I was offered with a welcome bonus then declined the offer without notifying me. I never receive any email or other notification tool that the welcome bonus was declined. When I applied for the card, my friend was with me and she also saw that the I was offered with the welcome bonus. I am questioning these conflicting statements American Express made and want American Express to give some proof and have a third party firm for audit. If American Express can not answer these conflicting statements, American Express will need to add these XXXX XXXX  to my account.
Product: Debt collection

Credence Resource Management has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). Credence Resource Management was not present for the initial contract between myself, and XXXX XXXX/ XXXX XXXX therefor Credence is in direct violation of my rights by contacting about this alleged debt. Credence Resource management has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave Credence Resource Management consent to contact me about anything. Credence Resource Management furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The company has acknowledged this error and has committed to updating the status to closed and open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, I wish to dispute these accounts XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Debt collection

in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX ABLTY RECVRY 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 an account without my written instructions
Product: Credit card

I am writing to formally lodge a complaint against American Express ( AMEX ) for their improper handling of my Military Lending Act ( MLA ) benefits. As an XXXX XXXX member of the XXXX XXXX XXXX, AMEXs actions have denied me the protections and benefits mandated by law. 

I transitioned from XXXX to XXXX XXXX status in XX/XX/XXXX. Subsequently, I applied for an AMEX XXXX XXXX while on XXXX XXXX. Despite multiple efforts to verify my XXXX status, I was subjected to annual fees. I applied for relief under the Servicemembers Civil Relief Act ( SCRA ) multiple times between XX/XX/XXXX and XX/XX/XXXX, but my requests were denied on the grounds that my account was opened during XXXX XXXX, a decision I acknowledge is consistent with SCRA provisions. 

However, the critical issue lies with AMEXs application of the XXXX. In XX/XX/XXXX, I acquired an AMEX XXXX card, which was properly recognized for XXXX benefits based on verification from the Department of Defense ( DoD ) database. In stark contrast, my AMEX XXXX card, obtained in XX/XX/XXXX, was denied XXXX benefits despite my documented XXXX XXXX status. I have provided AMEX with a verification certificate from the XXXX XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX, confirming my XXXX XXXX status and XXXX eligibility. AMEXs refusal to reassess XXXX benefits for my XXXX card, citing a XXXX reassessment policy, is both unjust and contrary to federal protections afforded to service members. 

The XXXX guarantees certain protections that should apply uniformly to all my accounts, irrespective of when the reassessment request is made if the initial application was incorrect. I request the Consumer Financial Protection Bureau ( CFPB ) to investigate AMEXs failure to apply XXXX benefits to my Platinum card. Specifically, I seek an order compelling AMEX to reassess and apply XXXX benefits to my Platinum card, retroactively waiving the annual membership fee and providing all other benefits mandated under the XXXX from my date of eligibility. 

Enclosed is my XXXX verification document from the XXXX dated XX/XX/XXXX, substantiating my eligibility. I trust that the CFPB will address this matter with the urgency and thoroughness it warrants to ensure compliance with federal law and the protection of service members rights. 

Thank you for your attention to this critical issue.
Product: Bank account or service

I am the power of attorney for my father he opened a bank account at TD Bank a few days later I dropped off my power of attorney they said it was unacceptable and the entire account is blocked my father 's checks are bouncing and they wo n't return the money until XXXX comes in personally he is XXXX. This is been going on for almost 3 weeks and they say they have n't even assign anybody to resolve it yet
Product: Credit reporting or other personal consumer reports

Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts I listed below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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.

, 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 1681c. ( a ) ( 5 ) selection 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.

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 accurate.
Product: Debt collection

This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX veteran with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. Consumer received no response, so a CFPB complaint was filed on XX/XX/XXXX ( XXXX ). In response to this complaint, TransWorld responded providing statements from the original account as validation. However, these statements do not address the concerns outlined in the complaint, and do not show ownership of this account by TransWorld. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit card or prepaid card

On XX/XX/XXXX an online purchase was made at XXXX XXXX. The transaction was pid for with my wife 's XXXX credit card XXXX XXXX ending in XXXX. There was difficulty in processing the transaction and at 1st I attempted to use my XXXX XXXX XXXX CITI card XXXX but never received a confirmation. Subsequent XXXX 's also requested a hold authorization for the same amount of {$180.00} on the CITI card even though they billed my wife 's card.. The product has already been delivered and paid for via my wife 's cc but both XXXX XXXX and CITI refuse to release the hold of {$180.00} on my CITI card. I will upload proof that the product was paid for on my wife 's card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Among checking my credit report I noticed there a serval fraudulent account and fraudulent inquiries
Product: Student loan

I checked my account with Navient on Friday XXXX XXXX, expecting to see that my payment made on XXXX XX/XX/2018 to be creditted to my account. It was not. I had to ring Navient from the XXXX and was on the phone with them for about 15-20 minutes trying to figure out why my payment had not been credited to my account. I told the customer service representative that I also wanted to make a second payment this month. After being on hold for a few minutes, I was told my payment was actually received on XXXX XXXX but, for some unknown reason, their payment department have not credited my account yet. It says on my account that I might be charged a late fee because I 'missed ' a payment. I most certainly have not! 
I got off the phone unsatisfied with the answer from Navient about why my payment had not been credited to my account. I was told the payment would go through eventually. I checked this morning, Monday XXXX XXXX, and the payment is still not credited to my account and still says I am liable to be charged a late fee since I have missed a payment. When I asked the customer service rep about who I can speak to with a complaint about the payment situation, she informed me that there was no one I could speak with but that customers were ( and she said verbatim ) " allowed to send in a letter of complaint. '' I find it horrible that Navient does not have a proper complaints system and that I am being treated poorly. My payment is still floating around in Navient 's system, not credited to my account. As of today, they have had my payment for 20 days ( 14 working days ). I am not able to have the situation corrected in a timely manner by Navient. I make my payments by their draconian deadlines, they should be held to the same strict rules of acknowledging my payment and posting it to my account on the day they receive it. I find this situation completely unacceptable and intolerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent letters regarding inaccurate information on my credit reports with XXXX, Equifax, and XXXX. Too this day 60+ days later I have not heard a response back regarding this matter. I understand my rights and in section 611 of the FCRA it states that a failure to investigate these accounts within 30 days the items must be removed. I demand these accounts be removed and that I be issued a written statement from the aforementioned Credit Bureaus disclosing as to way they have not responded to my written request. My credit file was compromised during the Equifax Data Breach and I am constantly fighting fraudulent activity because of that breach.
Product: Checking or savings account

I only received one statement in the my during my account that was recently opened and it still states that I have online banking/mobile banking which is not true. I am currenetly waiting for another one to arrive in the mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. The fraudulent, inaccurate, and false information includes XXXX, Account XXXX : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my XXXX credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Consumer Loan

I had a car a few years ago that was " totaled '' in a car accident. The insurance did pay it off and I owed one month of late fees because it took the insurance company a while to pay it off and a balance of {$110.00} - I paid the company {$210.00} because of a bill they had sent which was incorrect so the account was actually {$100.00} overpaid. The company reported it as a repo. I finally managed to get it corrected after multiple calls to the company and disputes with the credit reporting agencies. but they reported a balance of {$900.00} which they are still reporting several years later and never sent the over payment of {$100.00} back. I have spent multiple hours trying to get this corrected and now they say that it is the balance due. I am at a loss of what to do now. I have been dealing with this for years.
Product: Debt collection

I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named Leopold & Associates, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

Leopold filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, XXXX and Leopold. 

XXXX 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.
Product: Credit card or prepaid card

Change of billing date at last minute by Capital One Bank and then called to get another date in which I was told it would be the XXXX call back on XX/XX/XXXX on XX/XX/XXXX 2019 got the run around and one story after another. Was told over a month ago a letter was been mailed out for the XXXX XXXX  of the month.XX/XX/2019 now capital one acts if there was never no call. I have phone records where I been on the phone for 45 minutes and been on the phone several times.