23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App/ Block , Inc. , 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 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Capital One decided to freeze my funds because of spending pattern. I was told the investigation could take up to 90 days. After the 90 days I decided to call and Capital One still has nkt rendered a decision. We are in a the middle of a pandemic and Capital One is holding on to my funds unlawfully and beyond the 90 day scope i was initially told
Product: Credit reporting or other personal consumer reports

I purchased a vehicle in XXXX of XXXX  and financed through XXXX XXXX XXXX. I have made payments every month for two years, no late payments. My payments are {$560.00} / month so in total I've paid over {$12000.00} and my loan balance has only decreased by {$2000.00}. 
I went to trade the vehicle this week and the dealership told me my car was reported on my credit as a " loss due to natural disaster '' and has affected my credit for the past two years. I haven't gotten anywhere with XXXX XXXX XXXX and my credit report is wrong and I'm not sure if they've been applying my payments to my loan correctly. I think this was an intentional write off by the company to acquire XXXX relief money.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I opened a XXXX account and after adding my Hilton honors card to my paypal account, XXXX permanently XXXX my account for suspicious activity. Why this happened? What's wrong with my card? What's suspicious about my Amex card? 

On XX/XX/2021 I updated my phone number in Amex profile. After getting XXXX by XXXX, everytime I try to login to my Amex account, its asking for re-authentication key that is being sent to my old phone number ending in XXXX. Why? Whats going on? 

On XX/XX/2021 I called Amex and asked to speak to the security team. The operator said the fraud team deals with all security issues and transferred the call to the fraud department. This lady from your security team said my Amex profile has my new number updated but however these issues doesn't fall under her work responsibilities. She said she will transfer the call to the customer service and she will stay on the call until the call reaches the customer service. But then the call went to your usual recorded voice prompts? Why? This shows you people deliberately did something to my card/account and now trying to run away from your responsibilities.
Product: Credit reporting or other personal consumer reports

In aacordance with the Fair Credit Reporting Act XXXX XXXX.has violated my rights refernt to account # XXXX 15 USC 1681 Section 602 A States I have the right to privacity. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writen instructions. 

See more detaills at letter attached
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in XXXX and in XXXX for inaccurate and fraudulent inquiries on my credit report. 
15 USC 1681 Section 602 states that I have a right to privacy. 15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions. 15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose
.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Account name 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XXXX/XXXX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XXXX/XXXX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with Experian, XXXX and XXXX & sent them supporting documentation. XXXX is still investigating the dispute, XXXX has failed to even acknowledge the dispute or open an investigation and Experian has already completed the investigation and is refusing to remove the negative information because they say XXXX validated the information. The loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX/ XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding deletion of the following accounts
Product: Debt collection

I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.
Product: Payday loan, title loan, or personal loan

Yesterday XXXX, 2022 I received a call from a man from XXXX XXXX Telephone # XXXX. Told me I was approved for up {$7000.00}. Asked to borrow {$5000.00}. 
He asked for my bank ID and pass code, gave him that info and received a bank verification code from the bank, gave him the code and was told the money will be deposited into my account 1st with verification funds that I was to return to prove my account was legit, after which time I would get {$5000.00} into my account. Called back was told he needed my debit card info in case the funds was not available in my bank account. Gave that info to him out of desperation. Was called back again with a request for my debit card pin. Prior to this was asked to check my account balance, well I called the bank to find out my balance and was immediately connected to the fraud department and was told some accessed my bank account via I phone, and was instructed by the bank to change my online ID and passcode. Now that that's done, I would like to report a fraudulent loan company out here scamming hard working Americans out our hard earned dollars, living in poverty and homeless. Please help put these robbers behind bars where they belong. Such Animals should not be on the loose with their scandalous behavior. 
Thank you kindly
Product: Credit reporting or other personal consumer reports

I never recalled being late on any of these accounts. I am 100 % sure that I was never late on any accounts. However, Experian, XXXX, and XXXX is reporting lates on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and these creditors are reporting inaccurate information and neither of these credit agencies is verifying the accuracy of this incorrect information. 

Also, there is XXXX inquiries that is not mine or wasn't authorized by me and I need these inquiries removed from my credit file for this fact. The following inquiries was not authorized by me : 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
Product: Checking or savings account

On XXXX XXXX XXXX  My business bank account was denied for a charge. So I called BMO Harris to find out why my card was locked and they said that we were being held under a fraud investigation. I asked why and it was due to a large wire that we received the day before from one of our clients, this is the second time this happened and last time it took over three months for this problem to get resolved. Now I am unable to get a hold of the person in charge of the fraud investigation and I am just running around in circles. This is crippling our business, as we have creditors that we owe money to, and we have clients that we are expected to receive payments from.
Product: Credit reporting or other personal consumer reports

Could you please take away these inquiries? I have no knowledge of them, and they were conducted without my permission by the company.
Product: Debt collection

I RECEIVED NUMEROUS LETTERS STATING I OWED ON A DEBT I HAD PAID IN FULL OVER A YEAR AGO TO THE DEBT COLLECTOR. IN REVIEWING THE NOTICES I ALSO NOTICED THE AMOUNT IS DIFFERENT THAN WHAT I INITALLY PAID. THE NOTICE SAYS XXXX I PAID XXXX I CALLED PORTFOLIO AND COULD NOT GET AN ANSWER FOR THE LETTERS OR THE DECREPENCY IN THE AMOUNTS. ALSO XXXX OF THEIR REPS STATED HE SAW AN OVERPAYMENT WHICH I NEVER RECEIVED AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for they discover card and was approved, after receiving my credit card from discover card my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted Discover Card fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.
Product: Credit reporting or other personal consumer reports

An account with discover was opened using my social years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. This account is fraud and transunion is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST XXXX XXXX AND TRANSUNION. REMOVE THE ACCOUNT TODAY.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a customer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment o a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right of privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose
Product: Mortgage

My Mortgage was sold to Selene Finance in XXXX. We had a payment returned and since then they will not accept any payments that are not verified while continuing to charge late fees. I do not have access to my online account due to the returned payment. I have requested several times to have the verified funds requirement lifted and I keep getting " its getting reviewed ''. I asked how they can change aspects of my original loan ( payments, late fees, and required payment types ) and the response is its our company policy. I have stated that this is the first time that anything like this has changed with a new servicer their response is " Its our company policy ''. Last Friday I was yelled at and hung up on twice by the same customer service rep. Can they change items in my original loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has more than one account that they are saying is mine. It's original creditor is a XXXX  and I am on a XXXX XXXX XXXX. I don't even think that I was there for all of the alleged claims!
Product: Student loan

Nelnet has created unwarranted charges to my account ; I have never agreed to pay a specific amount of money but that I would pay back what I owe in student loans. However, Nelnet has made it their mission to provide an agreement of charges, which means there have become more than XXXX charges to an original account, which for them triples the 'Capitalizing interest '. They also continue to change dates on my initial date to pay, in the beginning my date to pay back my student loans was every month on the XXXX and now they are changing it back to the end of every month and slowly without any notice backwards to maybe the 2nd week before the month ends causing me to be " behind on payment '' as they call it. 

These unwarranted charges NEED TO STOP it is unfair to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESS/XXXX/ XXXX Balance {$55.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I wrote a dispute letter to this company in XXXX. In XXXX that mail was returned to me because the address I used was not valid. The address I used was the one that was reported on my credit report : Deville Asset Management XXXX XXXX XXXX XXXX, TX XXXX This is also the address they gave me when I paid the debt. They are reporting inaccurate information to the credit bureaus, a violation of the FDCPA and FCRA. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit due to collection account in Equifax credit report. I do not have any collections in my report. And I disputed four accounts for balances incorrect, the disputes report balances were adjusted but the credit report has not changed. And my credit score is XXXX points different from other Equifax report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards the response Kohl 's made to my complaint. They continue to fail to address the issue in my complaint. They continue to go around the real issue by stating I am requesting they create an inaccurate representation of the status of my account, quite the opposite. I was told by customer service representative hired by their company ; provided me with information as to how I should make a payment to my account. If this information was incorrect and XXXX 's payment could not be divided within the two months I should not be penalized for this incorrect information. I did as a I was requested to do so that my account wouldn't reflect a thirty day late on my credit report. My record speaks for itself of never being late with this company or any other company that conduct business with. As a consumer who takes very seriously the importance of having and maintaining good credit ; this company should in good faith take into consideration the validity of my complaint. And not just view this someone trying to abuse the integrity of the credit reporting system!
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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.