23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged for something I did not do or authorize on XX/XX/2021. I have communicated several times with Barclays XXXX credit card by phone and by their secure message center. They removed charge at one point and reissued card. However later they chose to reinstate charge and we have discussed in writing and by phone ad nauseam. Last message they sent said if I call in they would take charge off but when I call in they say there is no such note on my file and they can not access message center (? ) to confirm. It's all beyond ridiculous and frustrating. They can't seem to understand I DID NOT MAKE OR AUTHORIZE CHARGE and keep billing me for it. Its like trying to converse with a fish to get this resolved.
Product: Mortgage

We are trying to access our Mortgage statements from Truist Bank. 
We attempt to acces with Truist online services with a user name and password and are unable to either get into our account or we keep being sent back in to the login page. 
We called coustomer service at truist bank with th following results. 

XXXX XXXX 20 minutes wait at 29 minutes disconnected. no results XXXX  XXXX 60 minute + wait at 1:43 minutes disconneced. no results XX/XX/XXXX @ XXXX XXXX 30+ minute wait at 37 minutes disconnected. no results XX/XX/XXXX @ XXXX XXXX 40minute + wait at 1:11 minutes disconnected no results XX/XX/XXXX @ XXXX XXXX 30 minute + wait at 2 hours 2 minutes. I was able to speek with someone I requested that they not transfer me as I would be disconnected. 

Each time I spoke to someone I was transfered several time and the the call was dropped. 
The XX/XX/XXXX XXXX the call ended with a promise from XXXX to return a call on XX/XX/XXXX @ XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX purchased account # XXXX from Syncb/Dillards XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. XXXX XXXX changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called XXXX spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is
Product: Payday loan, title loan, or personal loan

I believe that it said the year was 2018 and there were XXXX charges for XXXX each
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EXPERIAN }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

ACCOUNTS : XXXX  - XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I am unaware of this debt. I never received any notification of this debt and never had an opportunity to dispute this. This violates my federal rights.
Product: Mortgage

On or about XX/XX/2019 my mortgage company, XXXX XXXX sold my Mortgage to Freedom Mortgage. We received a notice on XX/XX/XXXX to make our XX/XX/XXXX payment to our new mortgage co - Freedom. Due to the late notice our XX/XX/XXXX payment had already been sent to the prior mortgage company. 
On XX/XX/XXXX we received a letter from Freedom Mortgage that we were delinquent and now owed for XX/XX/XXXX and upcoming XX/XX/XXXX payment. At that time we made 2 additional payments electronically through our bank to Freedom. One for {$1600.00} and another for {$1600.00}. 
I have called Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to follow up and I keep getting the run around with them saying they don't have my payments. On the last 3 dates that I called I have uploaded proof of electronic payment which includes a confirmation number that they received it. This makes a total of 3 payments that I have provided proof of receipt and they will not acknowledge any and to make matters worse, in a couple of weeks this is going to report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a lifelong Iowa resident who has never lived in Virginia, nor traveled over 1,000 miles to shop at one of their local grocery stores. There are no grocery stores of this type in Iowa, and none of the identifying information from this creditor matches any legitimate information. 

Meade and Associates has and continues to violate : 1 ) The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 2 ) The Fair Debt Collection Practices Act, 15 U.S.C.1692
Product: Money transfer, virtual currency, or money service

I could not access my Coinbase account on XX/XX/2020. My XXXX authenticator code did not carry over when I bought a new phone. I locked my account to ensure no-one else could access it. I reached out to support and they responded 6 weeks later via email. I was unable to speak with a real person. Support told me they were going to disable 2 factor authentication so I could access my account but that never happened. They asked me if the issue was solved and I said no. They ignored my response and closed my support ticket.

Then 3 weeks ago I found my XXXX Authenticator code in some of my stored documentation. I was able to successfully authenticate, but since I locked my account, I was asked to verify my identity. I proceeded to upload my license and a picture of my face. The system denied me saying it didn't match their records. The records did not match because I recently moved and have a XXXX license. When I opened the Coinbase account I was living in XXXX and uploaded my XXXX license. I submitted another support ticket three weeks ago and have yet to hear back from them. 

This issue would have been resolved months ago if Coinbase employed real support humans to resolve edge case issues like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On *date letter was sent on the dispute* i sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person.
Product: Debt collection

This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous Complaint # XXXX and info below. 

Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$360.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$5200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. Show more Account name RASH CURTIS & ASSOCIATES Account number XXXX Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3300.00} past due as of XX/XX/XXXX. Show more Account name XXXX XXXX Account number XXXX Recent balance {$350.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 


Per there response I've provided and emailed the physical copy of the police report as asked to provide. I was told after this information was sent that. I was told I'd be notified of an outcome but still haven't gotten one yet. I'm just trying to get my credit situation finally solved and fixed once and for all so my innocence gets these off my credit. I understand Rash Curtis and Associates is a business and they're just doing their job, but I'm also doing what I can to solidify their needs to fix this. Thank you!
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. XXXX XXXX account number XXXX XXXX  XXXX account number XXXX account number and XXXXXXXX XXXX XXXX, account number XXXX XXXX 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 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. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Product: Credit card

I have a Destiny Mastercard. Every month they extend the amount of time it takes to credit my payments, and when I call to inquire, they give me a different time span every month. I made a payment on XX/XX/year> in the amount of XXXX, and to date they still have not credited my payment, adjusted my balance or released my available balance. Last month when I called they said it takes 7 business, the month before they said 5. They need to pick a time span and stick to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Affirm and XXXX 3 times requesting proof of an account that has been listed on my credit report. Under the New Rule REGULATION F which took effect XX/XX/2021. 
Affirm and XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 
AFFIRM INC Account # : -- XXXX -- High Balance : -- {$1200.00}
Product: Debt collection

Convergent Outsourcing Inc communicated with me without my permission 15 USC 1692c ( a ). They are also using my information, I did not give them permission to obtain, for financial benefit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate stress for their violations.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, at approximately XXXX ( XXXX ), my friend initiated a transfer of {$620.00} via Venmo . The Purpose of this transaction was to move said funds into her XXXX XXXX account, to which she is unable to do on her own ( presumably due to lack of money card or general technical acumen ). Being a good friend, I agreed to assist her in this, as we had done several times previously with no problems. 

The initial transfer occurred at XXXX. Afterwards, I proceeded to transfer aid funds to my XXXX XXXX account, using XXXX card ending in XXXX. This occurred at approximately XXXX XXXX. From that point, I transferred the funds to her ( {$640.00} ), with XXXX XXXX Identifier # XXXX. 

At no time was there any commercial or criminal activity at hand. The next day, XXXX XXXX claimed some sort of problem existed and filled a dispute. The next day ( XX/XX/XXXX ), my Venmo account was emptied of funds in an attempt to start covering the costs of my disputed transaction, along with being locked out my account until I can reimburse Venmo for the remaining {$620.00} of this transaction Im somehow now liable for. 

As it stands now, she has double her money ( initial money *and* the reimbursement from the disputed transaction : quite a tidy little profit ) and I lost actual money by being taken to cover my debt. I also dont have regular access to my account because : you'll need to pay back the full balance to restore your account. And, lest we forget : the effect this debt will have on my credit score wont be good for me at all!
Product: Mortgage

In XX/XX/XXXX, there has been an error is processing my payment. I scheduled my payment for XX/XX/XXXX. My account with you is extremely important to me. I have always paid on time and have perfect credit history with all my creditors. Unfortunately, my last payment for the month of XXXX was not processed as it should have been. I made this payment before leaving on vacation for several weeks using the prefilled information for online payments as I have every month since XXXX. 

In XXXX, after returning from my vacation, I received a letter stating my payment had not been made. This letter was dated XX/XX/XXXX ( received well after XX/XX/XXXX in the mail ). I was not notified prior to the payment going over 30 days past due based on the processing error as the payment was due for XXXX. I promptly called Freedom mortgage on XX/XX/XXXX ( the day I got the letter ) at XXXX XXXX  eastern to inquire on the matter and to satisfy both the XXXX and XXXX ( just billed ) payment. During this phone call I was not provided with details with why my payment did not go through, but was told I would be called back by a supervisor. at XXXX XXXX  on XX/XX/XXXX, I called again, as I had not received the call back from a supervisor. I was then told it would be 48 hours before a supervisor would call me back. I was told it was my fault the payment did not go through and that " you should be monitoring your own account to make sure your payments go through. '' As of the date of my first letter to Freedom Mortgage on XX/XX/XXXX, I still had not received a call back from a supervisor. I believe this matter has been handled poorly. I have been a timely paying customer for several years and have no history of neglecting my bills. I have sent several letters to Freedom Mortgage in an attempt to resolve this matter, but with no proper investigation done. An error in their payment processing caused the past due payment. None of my account information had changed. There was nothing wrong with the payment information input on my end. Please see the attached payment confirmation screen shot as well as proof of the calls I made to Freedom Mortgage. I have also attached my bank statement showing the funds were available in my bank account at the time the transfer was to take place.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX5 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report which in this case is XXXX XXXX  Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX  can not collect on a XXXX debt ( charged off ). Per IRS Publication XXXX ( XXXX ) under XXXX. Canceled Debts, a charge off is considered a certificate of indebtedness which is considered income. The IRS Clearly defines a charge off as Gross or Ordinary income. Income can not be reported on a consumer report. The reporting of this account as a debt is inaccurate & a violation of the Privacy Act of XXXX. I never received a 1099-C from XXXX XXXX for the cancellation of debt in order to file as ordinary income. Per 15 U.S. Code 1681a -Definitions ; rules of construction ; The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account ( XXXX ) has been reporting to my consumer report since XXXX of XXXX. Per 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


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