23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued by Portfolio Recovery Associates on XX/XX/XXXX over a XXXX XXXX XXXX XXXX account that went into default in XX/XX/XXXX, for {$8100.00}. I had disputed the total amount of the charges on XX/XX/XXXX after receiving a dunning letter from XXXX, and again in XX/XX/XXXX in response to a Notice of Intent to XXXX. XXXX did not send me XXXX  I requested and never answered my requests, but sued without validation in county court in XXXX, FL. 

I filed a XXXX XXXX XXXXXXXX XXXX and disputed the account again in the court documents. The dispute has been in XXXX in New York since XX/XX/XXXXXXXX XXXX XXXX  # XXXX, XXXX, XXXX XXXX Portfolio Recovery Associates , LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX. Ph : XXXX. 

XXXX is represented by third party attorney XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Ph : XXXX XXXX. XXXX. Florida XXXX XXXX. XXXX. 

XXXX was unable to provide chain of title and proof of ownership. Attorney XXXX filed a forged XXXX XXXX XXXXXXXX XXXX XXXX agreement and a forged XXXX XXXX XXXX, that was digitally altered by copying and pasting my information on an old affidavit that was provided by XXXX  to XXXX for another lawsuit. 

XXXX paid arbitrator XXXX and XXXX  {$120000.00} to cover up the forged documents and enter an arbitration award in XXXX 's favor based on forged evidence and without proof of title to the debt. 

I had no other option but to file for Chapter XXXX Bankruptcy on XX/XX/XXXX to protect myself from a fraudulent award. XXXX is trying to get an award in excess of {$120000.00}, plus attorney 's fees- in the XXXX XXXX XXXX XXXX XXXX 

I had filed a complaint about this situation in XX/XX/XXXX but XXXX claimed they couldn't comment because of ongoing litigation. 

Now that the account is in bankruptcy there is no litigation anymore. XXXX and XXXX XXXX XXXX XXXX XXXX must explain why they allowed attorney XXXX to harrass me with forged documents for XXXX years. XXXX was alerted to the forgery in XX/XX/XXXX through XXXX  and in XX/XX/XXXX through my previous complaint with CFPB, but allowed XXXX XXXX to continue to harrass me with litigation. 

XXXX  and arbitrator XXXX took a large bribe from XXXX to rule in their favor although they know about the forgery since XX/XX/XXXX. 

XXXX had removed the account from all my credit reports in XX/XX/XXXX, hence they knew back then the account was defective and their information inaccurate, but they continued to litigate and arbitrate. XXXX pushed me in bankruptcy. 

XXXX XXXX was under federal investigation for corruption when she was a state court judge. She was supposed to be a neutral, but she regulary is requested by XXXX to arbitrate their cases in XXXX, fact that was not disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 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, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX 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 ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Family Educational Rights and Privacy Act 20USC 1232g ( b )
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 at XXXX XXXX, I was notified by XXXX of a transaction that had just posted. This was a fraudulent purchase, and someone must have hacked my Paypal account. Paypal had transferred funds from my credit card for this fraudulent purchase. I filed a claim with Paypal, XXXX, and my credit card immediately. Paypal responded that based on my history of XXXX purchases, that they believe this was not fraudulent. When I tried to dispute their judgement to my claim, their system does not allow you to respond or re-address the submitted dispute. They are basically telling me too bad, we dont believe you. They block you from further discussion of your submitted claim. It least my credit card believes me. Unbelievable!!
Product: Money transfer, virtual currency, or money service

I have been account holder for coinbase since XX/XX/2021. XX/XX/2021 my account was locked and has been locked for six weeks. I have tried everything on their support platform, yet all i get is that the issue has been resolved and nothing gets done. Their is no customer service number or direct email. I have large sum of money in their account and no one is responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out via Credit Bureaus to advise of the non-authorization.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and with the support of an advocacy group assisting me due to XXXX  XXXX XXXX XXXX, which is recognized under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002. 142 ( b ) ( 7 ), 1 kindly request that you block the specified information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Let me begin by stating that I am new to digital currency trading. On XXXX XXXX I purchased 1/2 of an XXXX XXXX for {$140.00} and a few minutes later 1/2 of an XXXX for {$140.00} ( see the attached XXXX bank account statement ) I purchased XXXX through XXXX, an online XXXX wallet. The money was not withdrawn from my checking account until XX/XX/XXXX. On XX/XX/XXXX XXXX finally excecuted one of the transactions for {$120.00}. So they must have pocketed the difference between the amount they debited my account and the price of the currency at the time they processed my order. I have read that many people have had the same experience as me, so it does n't appear to be a coincidence. Also, many people are claiming to have a difficult time getting their money out of XXXX. I would like to get the money I invested back. XXXX 's customer service is a robot. So, speaking to a human being is impossible.
Product: Debt collection

Equifax will not Delete the fraud credit cards from my credit report as i am the victim of identity theft I have sent them certified letters and they still will not delete them from my credit report i have sent the letters from the FTC.gov
Product: Payday loan, title loan, or personal loan

The name of the company is one main financial. In XXXX, NC. I got a personal loan from them many times, over the past couple of years. I entered into a debt management credit counseling program and they agreed to lower the interest rate. I came out of the credit counseling program, sent them proof, checked my credit report, it's showing as past due on XXXX and on XXXX  they still have me as part of the credit counseling program, after Ive sent them proof that I was no longer under it. This is hurting my credit honestly.
Product: Credit reporting or other personal consumer reports

Transunion has reported a an unauthorized inquiry on my consumer report. Please delete this inquiry as it is hurting my credit score, and hindering me from obtaining credit. 

XXXX XXXXXXXX XXXX  XXXX
Product: Debt collection

AMCA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX  reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Money transfer, virtual currency, or money service

I had problems sending my payment it wasnt showing up I got scared I thought I was going to loose my money but I kept messing with it and the party on the other finally received it but when they had to return my deposit it took Three days for me to get my money back
Product: Debt collection

Credence Resource Management , LLC told me I have a bill with XXXX XXXX XXXX for {$51.00} from XX/XX/2024. This resulted in a collection being placed on my credit whichresultedin a XXXX pointdecline. I have never used XXXX XXXX XXXX. 

I contacted the company they refused to verbally validate the information. There are XXXX of people complaining about being scammed to the XXXX XXXX XXXX yet no one has shut them down.
Product: Credit reporting or other personal consumer reports

The student loan Account from MOHELA Balance is reporting inaccurately and needs to be updated as paid with a XXXX balance. Under the Fair Credit Reporting Act, as outlined in 15 USC 1681, it's explicitly mandated that consumer reporting agencies like XXXX, XXXX, and XXXX must handle their responsibilities with fairness, impartiality, and a profound respect for consumer privacy. As a consumer, I have an inherent right to safeguard my private information, backed by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect their nonpublic personal information.
Product: Credit reporting or other personal consumer reports

Wrote countless of letters disputing to Transunion and XXXX the following accounts accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX that were removed by Transunion that reappeared after a few years. Transunion refuses to delete the accounts. This is hurting my Credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Debt collection

I am very dissatisfy with the way I am being treated by a third party collector which I am not aware of who they are. All I know is as a consumer I reserve the right to see first if they are legally license to collect in my state, I requested all fees on a previous dispute and asked if they were legally license and had proof of it including all fees they are charging. I am not aware even of who they are.
Product: Credit card

I wished to try XXXX product so I used my master card and charged {$6.00} and received a small jar of anti-wrinkle cream instead of lash cream. There was no contact info on anything. On XXXX/XXXX/16 I received an e-invoice from XXXX stating I owed them {$86.00}. I immediately called Bank of America Mastercard and asked if a charge from XXXX was on my bill, the person said no. I explained the situation and was told I could not stop the charge but once the charge was made I could dispute it. XXXX charged my account twice for a product I did not want. I call the Bank and asked that no charges be put on my account for 3 months and was told by XXXX of Arkansas that he could not block the card and to just dispute the charges. I called back and got XXXX from Virginia who cancelled the cards and sent me a new card. I complained to the Bank and at first they took the charges off but after receiving a letter from XXXX, see attachment who said they have a tracking number for the package the Bank put the charge back in the amount of {$170.00}. Why would I want t pay {$86.00} for product that normally costs {$34.00}, see attachment. XXXX might have a tracking number but I never singed anything and did not get the merchandise. Therefore I can not return it.
Product: Checking or savings account

USB Customer XXXX XXXX XXXX ( USB Acct # ending XXXX ), noticed an unauthorized withdrawal made on XX/XX/XXXX at the US Bank XXXX XXXX XXXX ATM XXXX at XXXX in the amount of {$400.00}. Given the recent establishment of this account, Her age of almost 80 years, her aged health, her previous withdraw history/pattern on this account, and the excessive amount withdrawn at one-time, we took immediate action to file a claim with USB branch for fraud. 
On XX/XX/XXXX, after consulting with USB Rep, XXXX XXXX XXXX NML # XXXX, it was determined that the XXXX XXXX XXXX file a " Report of Alleged Fraudulent Activity '' and submit a " Declaration of Unauthorized ATM/Debit Card Statement '' submitted under Fraud Claim No. XXXX and to also have a new debit card and PIN issued. 
However, on XX/XX/XXXX to our dismay/surprise, we were informed that her claim was denied due to conflicting documentation to support the unauthorized transaction. 
On XX/XX/XXXX as per Ref ID # XXXX, WE exercised our right to request the documentation USB relied upon to make their determination and requested further video/pictures of XXXX XXXX XXXX withdrawing the unusual amount of {$400.00}. 
To date, we have not been provided with any substantiated documentation, videos, pictures of her making the withdrawal, or follow-up to our reference inquiry. The {$400.00} previously redeposited after the claim was filed has been subsequently expunged from her account and the funds have not been redeposited into her account. 
We have made several verbal request via cust. service at XXXX over the last 60 days for further follow-up but to no avail. For an Senior Citizen on a fixed  income, this is a huge financial burden to bare. 
We are requesting that the CFPB engage USB on our behalf and request tangible documentation and/or video that substantiates their claim not to redeposit the unauthorized funds of {$400.00} into the account of XXXX XXXX XXXX. Thank-you. 

XXXX XXXX, Son of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

This is continued dispute of a previously documented case. 

XX/XX/XXXX I secured a mortgage with Bank of America XXXX FHA Home Loan XXXX as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply.I was not provided adequate disclosure of the debt protection product given my knowledge as a consumer and the circumstances involved in securing a first-time homebuyers loan. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a XXXX student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

My issues are that I was 1 ) being charged for an add-on product that was marketed with a free trial, but information around the auto-enroll process at the end of the trial was not clearly conveyed either at the start of the trial or the end. It was added when I was signing a substantial amount of paperwork for a first-time homebuyer FHA loan. I was apparently sent XXXX piece of mail to inform me of the impending fees at the end of the trial ( I do not recall receiving this, but I have read the attachment ). It is not unreasonable to say that a single piece of what looks like marketing material would be insufficient to inform customers. I received much more notice, for example, when my mortgage was being transferred to a new financial institution. 2 ) My XXXX issue was my attempt to use the product prior to cancellation, but being told I was ineligible for the benefit.The terms and conditions were written in a manner that was not easily conveyed when signing a mortgage unless you were a lawyer. 

The bank offered a courtesy refund of XXXX months ; I appreciate that but I would like to request the entire amount charged over the period be refunded to me.