23daVinci/CFPB_Complaints huggingface dataset:
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 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All 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 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

I sent a method of verification letter to Transunion on XX/XX/22 for a collection account that has been on my credit report and is inaccurate. I requested they verify how this collection is mine. The collection is showing under a company called : XXXX. The claim they were able to verify this account as accurate, but that is false. 

I also sent Transunion a dispute letter on XX/XX/22 for two accounts showing on my credit report that are also inaccurate. The two companies on the dispute letter are : 1. XXXX XXXX XXXX and 2. THE XXXX  XXXX XXXX  XXXX XXXX I have included those letters with my complaint. 

In addition, I am including a copy of my most recent XXXX report that is dated XX/XX/22. You will see no collection is reported, and no collection account has ever been reported. I also dont own any account with XXXX  XXXX XXXX or THE XXXX XXXX XXXX XXXX XXXX, nor have I ever owned accounts with those companies.
Product: Debt collection

I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.
Product: Credit card

Plus Finance harasses me with phone calls from differing phone numbers several times a day. Sometimes the calls are marked as being from Plus Finance, sometimes they are not. When I answer, they refuse to disclose who they are until I disclose who I am, and, guess what, its Plus Finance. Im aware that this is harassment and it is illegal for creditors to do this to me. I have missed job opportunities because of the incessant calls blending in with calls from prospective employers.

Attached is a screenshot of the MISSED calls from Plus Finance. Every unmarked missed call is from them, based on the ones that I have answered. The ones I have answered arent even shown. These are only the missed ones. They are ruthless and incessant.
Product: Checking or savings account

Chase XXXX XXXX XXXX is withholding {$29000.00} of our funds for a period of six months. They have claimed that this is to protect against chargeback claims on our account that might arise. However, in about 7 years of using them for our merchant processing, we have only received less then 12 chargeback claims, total. 

Chase XXXX chose to end our business relationship. That is their right and we accept that. However, we have an absolute right to the funds they are withholding. Continued withholding of these funds significantly impairs our ability to operate as this is cash flow that we need to function on a day to day basis.
Product: Mortgage

On XX/XX/2022 - Discover took duplicate payments of {$440.00} causing my checking account to have negative funds. 

I contacted Discover, the customer service representative, could only say that she did not see any payment had been taken. She did advise I could send proof of the duplicate withdrawal to XXXX and there research department would look into it. I did send the requested support as I was upset with Discover causing my checking account to go into overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Progress Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2019 with a credit limit of {$120.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXXXXXX XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I started a settlement with XXXX XXXX through XXXX XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX I paid the final settlement agreement amount. I paid the settlement as agreed on time NEVER LATE. Unfortunately, XXXX representatives XXXX and XXXX XXXX unscrupulous, disingenuous, reporting practices maliciously intended manipulated my status updates each month, since the settlement began.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company MOBILOANS LLC I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held MOBILOANS LLC directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Product: Debt collection

Company has not validated this debt. I have been communicating with this company about this account for months now and all I have received is the same print out statements. I requested validation docs for personal information, signature of services rendered and contracts of any kind giving them the right to take payment from me and they have failed to send me all of this! This account keeps getting verified with the credit bureaus and I'm not understanding how this keeps happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was removed as an authorized user. Still shows on transunion and XXXX. Please have this updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE INQUIRIES GOT ON ME CREDIT. I KNOW FOR SURE THAT THAT DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian on numerous occasions to investigate inaccurate information on my credit report. There are reporting erroneous and inaccurate information for the following accounts. I have requested to know how the reinvestigation of my 4 disputes were verified ( Bankruptcy, Charge off from XXXX XXXX, Closed Account from XXXX XXXX University, and 30-60 day  late payment from XXXX ). They have failed to provide me with this infoelation. They just keep sending notice saying the account remains. I am going to file suit against Experian for failing to verify accounts that I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Factor trust consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE NEGATIVE REPORTING LISTINGS ON MY CREDIT REPORT FROM A COUPLE OF ACCOUNTS THAT SAYING I'VE BEEN LATE ON MY PAYMENTS. BASED ON MY RECOLLECTION, I HAVE NEVER BEEN LATE ON THESE ACCOUNTS. THE ERRONEOUS STATUS OF THE CREDIT REPORTING AGENCIES IS UNACCEPTABLE AND IS PREVENTING ME FROM OBTAINING NECESSARY FINANCING. THE ACCOUNTS ARE : XXXXXXXX XXXX   XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash App ( block , inc . ) due to inadequate customers services and unfair practices, which violate the consumer financial protection act ( CFPA ). specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and Finacial loss, and i seek appropriate redress for these violation.
Product: Student loan

My daughter has a student loan through XXXX XXXX for two years now and XX/XX/22 is the third time the borrower has been late in making payments that are due on the XXXX of every month. This is also the third time that they called the co-signer at work in regard to the late payment without making a single call to the borrower first. 

Each time they have called me multiple times claiming " there is a problem with my account '' in which I am the co-signer, not the borrower. On XX/XX/22 XXXX ( representative number XXXX ) stated that the account is now delinquent and that's why the calls are being made. When I asked how late the payment was she said " one day '' which isn't delinquent, it's late. 

These are obviously harassment tactics used to embarrass the borrower into making their payments on time as they haven't called the borrower once, but on three separate occasions called the co-signer multiple times at work.
Product: Debt collection

I received an order from XXXX XXXX XXXX where XXXX XXXX had filed a judgement against me for a credit card debt. In the complaint she threaten to take my social security, she wanted my checking account #, she threaten to get a lien against my home, vehicle, wanted to know my assets, if had any guns, jewelry. I went to the XXXX XXXX XXXX and answered the complaint stating that I only receive Social Security. I sent the XXXX law firm the answer on XXXX XXXX certified receipt requested. On XX/XX/XXXX received another judgement from them.
Product: Credit card

I received an email from XXXX XXXX  stating I had a hard hit on my credit report from CB Indigo. I have not applied for any credit cards. I believe this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 a certified letter was sent to ncb management requesting validation of debt. NCB never responded within to the 30 days alotted by law. This ia a violation of my rights under 12CFR1006.34 Also on XX/XX/2022 a certified letter was sent to XXXX XXXX XXXXXXXX requesting debt valadation under the 12CFR1006.34. XXXX XXXX  claims to know nothing about any debt or card i may have had. SO please remove this from my credit report.
Product: Vehicle loan or lease

I paid off my loan with TD Auto Finance at the end of XX/XX/XXXX and I have yet to receive the title for my vehicle. I reached out back in XX/XX/XXXX and they said they sent my title to a car dealership and I would have to contact the car dealership and have them send back the title. I reached out to the car dealership and they had no records of my title. I again called TD auto finance and they said they would have to send me a waiver of XXXX lease. After several weeks I had received nothing. I followed up once again and they said I would have to obtain a letter from the car dealership they claim they had sent the title to stating they had no interest in the vehicle. Fast forward a few more weeks and it is now XX/XX/XXXX and I don't have a title or a lien release waiver. After several months, several phone calls, and conversations with the dealership, I don't know what else to do to get my title.
Product: Credit reporting or other personal consumer reports

Upon further review of my TransUnion Credit File, I've noticed there are names, addresses, phone numbers, employers and inquiries which do not match my non-public personal records. REMOVE ALL NAMES from credit file ; XXXX XXXX XXXX [ UPDATE ]. REMOVE ALL EMPLOYERS from my TransUnion credit file as I do not work for any of the employers that Transunion is reporting and is therefore inaccurate. REMOVE ALL ADDRESSES from the TransUnion XXXX file. Addresses that are reporting to my TransUnion credit file I no longer reside. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non-mailable address and therefor inaccurate. Updated address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Updated Name XXXX XXXX XXXX XXXX  REMOVE ALL HARD INQUIRIES. Any accounts attached to addresses herein, have been updated with the data furnisher. Provided is my social security card, government ID and XXXX XXXX XXXX phone bill with updated address as proof.
Product: Debt collection

In XXXX XXXX I received an alert from my credit monitoring service of a negative account with allied collection services of nevada reporting on all XXXX credit bureau in the amount of over {$400.00} with the original creditor of gentle breeze dated in XXXX. I never heard of any of these companies nor have I ever conducted business with them nor have I ever received any written correspondence from these companies regarding this fraudulent account prior to it being placed on my personal credit reports. I was never given the opportunity to request validation and because this company has placed this invalidated information on my credit files, they are in violation of FCRA and FCRA. I pay my bills on time and have n't had any derogatory items on my credit reportscore in years.
Product: Credit card

I disputed a unauthorized charge from XX/XX/year> for {$140.00}. Citi looked into this and the vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) said we received the merchandise to our HOME ADDRESS so they reversed the charge back to me. I then took it upon myself to look into delivery options from XXXX XXXX XXXX and they do not offer shipping to home address and will only email the tickets to the purchaser. The email address used was not mine or my wife 's so that is how they stole our identity and purchased tickets ... nothing was sent to my home address and I contacted Citi and explained this to them but they still won't reverse the charge and have delayed this for almost 6 months now and are charging late fees and interest and constantly calling me to make payment. I have called them many times asking what else they need from me to prove this was an unauthorized payment and they say they are looking into it... nothing ever gets done and I am fed up with them treating me like a criminal as we had 4 charges total that were unauthorized on XX/XX/year> and they deemed 3 of the 4 charges not mine but keep trying to get me to pay for this 4th charge even though our identity was stolen on this date and they all used my wife 's name and address but a different email address, not ours.
Product: Mortgage

For ten years we never had payment issues with our previous loan servicer XXXX. Unfortunately, XXXX XXXX recently sold our mortgage loan to a private investment company. The new owner uses a different service company called Select Portfolio Servicing Inc ( SPS )  based in XXXX XXXX XXXX, UT. 

We 've had nothing but problems with SPS from the very beginning of our relationship. Unlike XXXX, SPS does not put the amount due on our monthly statements. 

I 'm forced to call the SPS call center every month to get the amount I have to pay. Unfortunately, every time I talk to someone at SPS, I get a different answer to how much I have to pay. I call multiple times to see if I can get an agreement on the amount I have to pay. Usually I choose the highest payment amount given to me. 

When I get my next month 's statement, I see that the amount I paid was incorrect. When I call SPS to find out what the correct amount was for the previous month, once again I get different answers depending on whom I 'm speaking with.
I tried to talk to a SPS call center supervisor, but each time I 'm told that there is n't one available, and a supervisor will call me back in 48 hours. Of course no SPS supervisor ever calls me. 

The SPS call center representatives are so bad, unskilled, and unhelpful, that for the first time ever, I wish SPS would outsource their call center to XXXX. 

Ever since SPS has become my mortgage loan servicer, I spend HOURS every month trying to pay my mortgage. It is an ordeal dealing with this company. I just want this nightmare to end.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XX/XX/XXXX - Bal : {$470.00} XX/XX/XXXX XXXX  - Bal : {$4200.00} XX/XX/XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts :XX/XX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00}XX/XX/XXXX - {$3200.00}