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

Capital One constantly sends me credit card offers in the mail, for years, I have never once considered taking them up until I recently wanted to start building my credit. I applied with them and was denied, I still receive a ridiculous amount of offers in the mail and want it to stop. It is spam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporter Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX and Account # XXXX XXXX XXXX Are reporting inconsistent balances across credit bureaus therefore are 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 state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit card

I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report i noticed a account namely XXXX XXXX, THATS NOT MINE
Product: Debt collection

Debt collectors has been sending text messages, emails, phone calls and voicemails daily threatening me and harassing me. They also sent someone over to my home with a XXXX. I withness someone taking pictures of my personal property and theyre calling my friends and family harassing them as well. I need help putting this to an end and stopping these people from intimidating my family and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. 

Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my XXXX 's with XXXX children to provide for and I'm still being punished for mistakes I made in my early XXXX 's. I have paid for many accounts to be deleted. 

I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of date 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. Thank you kindly for reading.
Product: Credit card or prepaid card

I attached a Chase Freedom credit card to my XXXX account to make payments. When I make a payment, I am asked to agree to a 3 % charge before proceeding and I agree to that. 
When I received my latest credit card statement I saw that for each XXXX payment I made, a {$10.00} fee was charged. ( This month {$60.00} in fees. Next month 's statement I saw online there were {$110.00} in fees ). I did not agree to these fees and was unaware that I would be charged. 
I called the credit card and customer service told me that I would have to contact XXXX because they made the charge as a cash advance. The agent told me that Federal regulations would not allow him to reverse the fees. 
I contacted XXXX and was told that I would need to contact the credit card compant regarding the fees as they are who received the fees, not them. 
I called Chase Freedom again and a customer service agent told me that he could give me {$13.00} toward the fees. I declined as I believe all of the fees should be returned. He said he could not do that. I asked for a superviser and she told me that she " was not allowed to waive the fees ''. 
Had I known about these exorbitant fees I never would have attached my credit card to my XXXX account. Needless to say, I will no longer use XXXX as a means to pay others.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is saying my documents are fake cfpb i'll let them be the judge of that sent over hacking reports, police and ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and I havent received a written response to my dispute
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 violated the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was way 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 card or prepaid card

Chase describes fees for sapphire reserve at XXXX 16.99 % 23.99 % variable APR. They charge me several points higher, and made no change to reduce me to this range despite having lower interest rates this year across the board. 

When checking their terms, it is listed as : 16.99 % to 23.99 %, based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. 

Meaning, they checked my credit and decided to place me above their own stated range. This is misleading. This is fraud.
Product: Money transfer, virtual currency, or money service

I made a transfer on XX/XX/22 before noon I was told Funds should be available by the XXXX. The funds as of today XX/XX/22 are still not available. The company did lied to me about the problem the first time I contacted them. They promised I would have the funds during the day XX/XX/22. I did not receive them. I contacted them in the evening of the same day and was told it was an internal glitch and that I should have the funds by the morning or they would reach out to me. I did not have the funds in the morning. When I called to ask where the funds were they told me to check the app that the transfer had happened. But it had not. It was not at my bank nor did it say completely on the app. I asked when I could expect the funds and they really did not answer my question. When I asked why they didnt contact me or if they were going to compensate me in any way I was told they werent going to do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CAP XXXX AUTO XXXX
Product: Credit reporting or other personal consumer reports

Key Violations and Discrepancies : XXXX. Failure to Issue IRS Form 1099-C ( Potential Tax Fraud ) : Under IRS regulations ( 26 U.S.C. 6050P ), creditors must issue a Form 1099-C when a debt of {$600.00} or more is canceled, charged off, or discharged. Truist has not provided this form despite reporting the account as " charged off '' and " unpaid balance reported as a loss. '' This omission constitutes tax fraud, as it misrepresents the debts status to both the IRS and the consumer. 
XXXX. GAAP Violations : GAAP requires creditors to write off charged-off debts and report them as {$0.00} balances. By continuing to report an {$11000.00} balance, XXXX XXXX violates the matching principle and revenue recognition standards, as the loss must be recorded in the same period as the charge-off. This misrepresentation artificially inflates liabilities on my credit profile. 
XXXX. Inaccurate and Duplicative Reporting : - Last Reported '' Date : The account is inaccurately listed as " Last Reported : XX/XX/XXXX '' ( a future date ), which is impossible and constitutes fraudulent reporting. 
- Date Last Active '' : The account is marked as " Last Active : XX/XX/XXXX, '' yet it continues to be reported monthly as derogatory, violating FCRA requirements for accuracy. 
- Double Reporting : The {$11000.00} balance is listed as both " XXXX '' and " XXXX XXXX, '' creating a duplicate reporting error that misleads creditors about the debts actual status.
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  account number : XXXX, XXXX XXXX : account number XXXX us dept of ed/XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : 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.
Product: Debt collection

A representative from XXXX XXXX, trespassed and defaced my property by adhering a credit card size sticker, on my storm door, stating my property had been deemed vacant/abandoned and to call with-in 3 day if it is not. I called immediately and explained to the XXXX representative on the phone that my property was not vacant/abandoned and to not trespass. Three days later there was an attempted break-in and my home was vandalized. The XXXX Ohio Police Department was called, report number XXXX was filed and XXXX XXXX was named as a suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT APPLIED FOR NEW CREDIT - NEED ALL THESE UNAUTHORIZED INQUIRES DELETED FROM MY CREDIT ALONG WITH ALL COLLECTION ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted the credit bureaus time and time again to get the inquiries and problems solved with my credit and they havent really budged so Im coming here. These are the inquiries. 
XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Product: Student loan

I have two student loans, one is with Dept. of Ed. and the other is serviced by NAVIANT. When I asked Naviant if I could consolidate my two loans I was given a run-around no one could understand. I gave up. I also do n't know if my payments are being credited in a timely manner, I would have no way of knowing.
Product: Mortgage

I have a 'Homestyle ' renovation loan with Movement mortgage. I've been trying to access my loan funds since XX/XX/XXXX. That's when my contractor submitted a draw request for {$28000.00}. We've been waiting for an appraiser to come out and validate the work done on our kitchen ever since but that still hasn't happened. After multiple requests. 

In a recent email they said " Evidently we are having a difficult time getting an appraiser out to your property. The original appraiser declined our request for the re-inspection and we are now searching for another appraiser. '' I understand that might be the case for a week or two but it has been MONTHS of waiting to get our loan funds. This is unacceptable. 

thanks, XXXX
Product: Checking or savings account

On XX/XX/year> my car was stolen and my debit card was inside of my vehicle. The individuals who stole my vehicle made a total of {$260.00} in unauthorized transactions. I have filed a dispute on three separate occasions with my bank ( Chime ) They have denied my claim each time and have refused to let me know what additional information is needed to approve my claim. I sent them a copy of the police report along with screenshots of where I was located in comparison to the locations of where my card was used without my knowledge. I have spoken to several managers in the fraud department, and they all have said that the only thing that I can do is file another dispute.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempt to address the presence of fraudulent items on my credit report.

Despite my initial request, the fraudulent items remain unresolved, posing a significant threat to my financial credibility and well-being. It is imperative to remove these unauthorized entries promptly to ensure the accuracy and integrity of my credit report.

I kindly urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BalanceXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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, TX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$3500.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) BalanceXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Paid off balance. I always got paper statements although rep says that I opted out of paper statements. Paid off balance, was not called apparently because there was no consent agreement to call me. Went through consent agreement to call me with rep. Then called Discover to rectify issue because I never had a missed payment and this was all miscommunication. I informed them that I spoke to rep that said that was my payoff and was not informed of residual interest. They then informed me that they did not see any record of that phone call. Then informed me that they still did not have consent to call me, even though I went through it with previous rep. Informed them that there is a lot of mess up and miscommunication within Discover, which is what led me to a negative inquiry on my credit report. Stated that same way Discover has no trace of my phone call for pay off, is the same way they have no consent to reach out to me even though it was completed. Rep from web services says she saw the consent was completed and a copy was sent to my Discover inbox XX/XX/2019, however on other end was being told it was not done. Informed them that this is a mistake on their end and they should fix the reporting especially after being a customer for over 5 years and not one single missed payment, then paying off balance and getting hit with negative inquiry, manager would not budge. Told me that he was sorry I felt that way but it was reported accurately. I informed him that I just paid off over {$2000.00} debt, I would not run from a {$43.00} payment as my email shows. Although previous rep noticed the miscommunication and removed late fees and took my payment immediately. However through all of this, Discover raised my credit limit to {$4000.00}. If I did not have a great payment history, and if this does not seem to be a miscommunication on their end, why would a creditor raise the credit line for a consumer that is bad about making on time payments? The response to that question was oh wow. Im typing this as I am waiting on hold with discover for over an hour to get a copy of the original consent agreement that their web services see was in my inbox, however they have no trace of. screent shot of that was also included.
Product: Debt collection

Emergent Business Group is deliberating and diligently violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and furnish deceptive information with a false timeline of events in their last response to my CFPB complaint. Emergent Business Group has admitted to illegally obtaining details this alleged account from XXXX XXXX, XXXX. Not only is this a violation of my right to privacy which I own as the federally protected consumer and natural person. But also Emergent Business Group has flagrantly broken several federal laws which are outlined in my Affidavit of Truth attached below which they received and signed for on XX/XX/2021. This alleged debt is not owed and Emergent Business Group is implicating themselves in a matter that has nothing to do with them. Emergent claims they are only a " third-party servicer '' in possession of this account which makes them the current " furnishers '' of this inaccurate and illegal information on my consumer reports and files. XXXX XXXX, XXXX who illegally gave them this information has confirmed this exact point in their last response to my CFPB response by stating that Emergent who is their alleged " servicer '' is responsible for any furnishment of said account to my consumer reports and files ( XXXX  ). Emergent Business Group blatantly continues to violate federal laws by sharing details of said alleged debt and false account with XXXX  and XXXX monthly. These actions violate countless federal laws which are all outlined in my first Affidavit of Truth attached below. Emergent Business Group and XXXX XXXX, XXXX 's illegal collusion to undermine me the consumer directly violates 15 USC 1681 ( a ). As the original creditor I have demanded pursuant to 15 USC 1692c ( c ) ( 2 ) that XXXX XXXX XXXX immediately instruct Emergent to delete this account of my consumer reports and do so themselves. The finger pointing which is a delay tactic between these two companies as to who is responsible for this inaccurate account furnishment on my consumer reports must end with this CFPB complaint. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have also made my demands known to XXXX XXXX, XXXX as is my right under federal law. All of my outlined remedy are demands and NOT requests. I advise whoever receives this complaint and Affidavit of Truth at your company to forward it to your executive leadership and legal team. This is my first step in my private administrative process and your legal team will understand what this means. Included in my attached Affidavit already your possession is my invoice which Emergent Business Group must pay to resolve all outlined issues XXXX federal law violations XXXX. This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Emergent Business Group as I advance in my private administrative process in the near future.
Product: Bank account or service

XXXX XXXX, Ga. XXXX Acct # XXXX. 
I have sent Captial One letter regarding my account, which they claim my account was charged off {$720.00}. I requesting validation, made pursuant to the Fair Debt Collection Practices Act. I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports, from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fait Debt Collection Practices Act.