23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX, Lending Officer, Bank of America, NMLS #  XXXX, XXXX, declined to process my refinance application because I was self/employed. I applied elsewhere and immediately was accepted and received a refinance at the best rate. I believe his declination was a pretext. I ask that this complaint be placed in his personnel file and with the bank.
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 violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent an 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: Vehicle loan or lease

U.S. AUTO FINANCE, INC Sold me a XXXX XXXX XXXX the vehicle caught on fire. I contacted them to come get the car. They told my car and I never knew where the car was again Im assuming that theyre going to fix the car instead they put my vehicle in a repossession furthermore a few months later they went bankrupt and now I have Westlake portfolio trying to collect on a vehicle that I couldnt even finish paying for due to it catching on fire. They also sold the vehicle in an auction and still considered me with a balance of {$19000.00}.
Product: Checking or savings account

I have XXXX debit card with bank of America XXXX accounts under that card XXXX checking account and XXXX saving account so through their app on my phone I made {$800.00} transfer from my checking account to my savings account, I clearly selected my saving account for the XXXX to go to but after i made the transaction the XXXX did not appear on my savings account instead it went to an account i had no idea existed nor do i have access to that account, I was tricked into this. this happened to me on XX/XX/year>, it is now XX/XX/year>. I've been calling them since XX/XX/year>, but I am being passed around to different customer representatives that have no clue what they're doing they're just as confused as I am. As of now I have no idea where my money went nor am I being refunded.
Product: Money transfer, virtual currency, or money service

Made a simple PAYPAL purchase on XXXX. I had a credit balance. I then received a bill. Confused, I called them only to learn that by clicking the button called Paypal credit, XXXX SECONDS LATER they slammed me with a {$6500.00} XXXX line of credit! I never needed wanted or asked for this! They said it was confirmed in an email - IT WAS NOT! They named a new product as what I thought I have always had ... .PAY PAL CREDIT ... .what do they call the other? its purposeful and I 'm furious. I called them and closed it down ... telling them what I thought. THEY NEED TO BE STOPPED
Product: Debt collection

My bank account was seized in which funds from a settlement were being held in a debt outside of the three year NYS statute of limitations.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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

In accordance with the Fair Credit Reporting act XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU XXXX has XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Debt collection

I federally protected consumer sent AMERICOLLECT Inc a cease and desist letter that they received XX/XX/2020 demanding that AMERICOLLECT INC cease communication through all mediums of communication. AMERICOLLECT has called me a total of 19 times after receiving my cease and desist letter. I spoke with a manager at AMERICOLLECT named XXXX XXXX ID XXXX and she acknowledge the company receiving the letter and the repeated phone calls to me. This is a violation of 15 USC 1692c ( c ). This phone calls after the cease and desist letter is a abusive debt collection practice and the pattern of phone calls indicates harassment. This is also a violation of 15 USC 1692d ( 5 ). AMERICOLLECT has removed their tradeline from my consumer reports Deletion is admission to violations of the law. AMERICOLLECT has never received direct consent from me to communicate with me on this allege debt. AMERICOLLECT also received my debt validation letter XX/XX/2020 and did not provide any of the documentation according to the law or what was requested. 

PLEASE REVIEW MY AFFIDAVIT OF TRUTH FOR MORE DETAILS ON AMERICOLLECT ACTION THAT WERE VIOLATIONS OF THE LAW. 

My complaint, demands and documentation is clear and concise. The debt collect has permission to respond via the cfpb website. As a cfpb agent, I expect that the cfpb will hold AMERICOLLECT INC to the highest standard of the law. The cfpb is in place to protect the consumer and uphold the law against abusive debt collection. Please do not allow AMERICOLLECT INC to reply with just anything and close the complaint. AMERICOLLECT INC has clearly, willfully, and knowing violated the law
Product: Checking or savings account

I filed a dispute for {$5600.00} in XXXX with citizens bank, there was multiple transactions at a time being withdrawal from my account by a company I used to do business with. I explained to the people on phone that during that time I was in surgery for XXXX XXXX XXXX and was out for couple days. I told them I had proof and dates and times. I also contacted the company that took the money they told me to contact my bank to resolve the issue. Which I did. Multiple times. Ive been with citizens for awhile now. Im a single father, I havent been able to pay no bills with my card because my account is now in the negatives. Never in my life have I ever had to file a dispute with any bank. Now that fraud was in my account I cant get my money back when I told I wouldve been covered for it. Im asking for help from you to please get my funds back. Ive been nothing but honest and been working with the company citizens bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to the fact that during the XXXX Equifax Data Breach my XXXX XXXX son 's information was breached. I did some research and my son should not have a file with any credit reporting agency. I believe my son 's SSN and name is being fraudulently used. On XX/XX/XXXX, I mailed a request for information on any files regarding my son and XXXX XXXX daughter. I also requested that if such files existed that they be destroyed. I provided copies of my children 's birth certificates, SSN cards, and my XXXX  driver 's license. 

On XX/XX/XXXX, I received a letter from Equifax XXXX dated XX/XX/XXXX ) stating the company had received my request regarding my daughter but needed additional information to process it. The letter asked for a copy of her birth certificate, SSN card, and proof of my identity such as driver 's license. I called the company to investigate what happened to the copies that were sent in with my request. The representative stated that he saw my letter in their system but could not find receipt of my children 's personal documents. Despite his failure to explain what happened to the original copies, he stated that I needed to send them in again and then added that I also needed to send in a copy of my SSN card. After some discussion, the representative claimed he checked Equifax 's system and the company had no files on either of my children. I explained that made no sense because my son 's information was listed in the XXXX data breach settlement claim records. With no response or explanation to my assertion, the representative told me to send in all of my family 's personal information again in order to be helped ( even though he just claimed there were no files on my children ). 

After that conversation and before I sent in any additional information, I received two more letters from Equifax ( both dated XX/XX/XXXX, one of the letters even misspelled my name ) regarding both my son and daughter. The letters requested copies of all of the personal documents I sent in with my initial request. 

Equifax has already lost the highly sensitive copies of the personal documents I sent in with my original request for any information about my minor children in their database. I am very skeptical that they are handling personal information in an appropriate manner to avoid instances of identity theft. Additionally, I believe Equifax misrepresented the information they have about my minor children in their database. If my son 's information was affected by the XXXX data breach then Equifax must have a credit file on my XXXX XXXX son. 

I believe the phone call is recorded and I believe the company 's representative ( employee # XXXX ) is recorded providing inaccurate information about the existence of requested records. Please investigate what Equifax did with the personal documents of my children and myself and why the representative misrepresented the existence of company files about minor children. ( I have attached all of the responses I received from Equifax. )
Product: Debt collection

I checked my credit report and seen that there were discrepancies and there is a charge of {$170.00} and it was started on XX/XX/2020, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
Product: Student loan

I had autopayments set up on my loan with MOHELA and on several occasions they just stopped taking out the payments. When I inquire why, they say insufficient funds but I confirmed with the bank that this was not the case and they did not reject any payments. Then I was told that my account was put into forbearance which I did not request. I read on-line that this is happening to others as well and I believe they are doing this to collect more fees and interest.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit report. Upon reviewing my credit report, I noticed that this account shows a late payment that is incorrect. Specifically : 1. The account reflects a late payment on XX/XX/XXXX XXXX. This account was, in fact, paid on time and has been fully paid off and closed. 
Attached bank statement shows that I paid on XX/XX/XXXX The consumer reporting agencies are obligated to report all information with complete accuracy. The reporting of this account as late is misleading, harmful to my credit profile, and in violation of the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report, dated XX/XX/XXXX, highlighting the inaccurate information for your review. 

I respectfully request that you investigate this matter and work with XXXX XXXX XXXX and the relevant credit bureaus to ensure the payments are correctly updated as paid on time.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX XXXX is reporting I have an account with them and I have never had an account with them. 
2. Discover Fin Svcs has an account on my credit and I have never had an account with them. 
3. XXXX is reporting that I have an account with them and I have never had an account with them.
Product: Credit card or prepaid card

Wrongdoing Party : CHASE CEO/President : XXXX XXXX Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mail stop : XXXX I opened an Amazon.com VISA ( CHASE ) approximately XXXX, 2016. The credit card no longer works, and phone calls with CHASE proved to be useless. CHASE does not have any record of the account, any record of my name, and any other records related to the account. CHASE did NOT notify me in any way that the card was being cancelled since it was originally issued. CHASE will do nothing to reissue or replace the card. This is as a minimum unethical business practices and possibly even breech of contract. There was also no other correspendence with CHASE other than a bill for a text book. <P/>Please order CHASE to issue a new card, and order then to pay {$400.00} for damages expended to date to resolve this problem. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX KEPT COLLECTING ON THE TRADELINE OWNED BY XXXX AND THE TRADELINE IS STILL BEING REPORTED ON CLARITY, DP BUREAU, teletrack ETC.. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE is reporting a debt on my credit file that I no longer owe. This debt was past the statue to limitations in Utah however, I called and settled this debt. I am now asking that they provide me with a deletion letter. I am aware that you can provide this to me and no one else. I am aware that CBE reports to the bureaus as they deem necessary and that they can provide me with a deletion letter. Please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reasons to believe that a collection agency have erroneously reported information on my account and has illegally charged a fees of what I owe ( XXXX ). I have submitted a dispute with TransUnion which was received by them on XX/XX/22 where I asked for them to provide me validation/verification of amt owed - none provided. Subsequently, I sent another request in the month of XXXX, which I got a response in within 30 days that the dispute inquiry was complete, but with no resolution or evidence to support that I owe the amounts and furthermore, no removal of erroneous information. I have filed a dispute with CFPB more than 15 days ago and still no response from them. I have already had this removed from XXXX, so it's evident that the information is incorrect, but it seems like TransUnion does not want to assist.
Product: Checking or savings account

following up this complaint # XXXX I also believe that the lady in the apartment above me might be ordering things and i'm being charged for them my account balance is always low or has the wrong amount in it. My apartment has be broken in multiple times i believe this the reason she always ordering from XXXX all my packages i accept no neighbor ever
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Debt collection

This number is repeatedly calling my husband 's cell phone asking for me. He said they will not give him any information. When I look at my credit report I do not have anything listed for this company. It is very strange they would call my husband 's phone number, yet ask for me. Our cell phone are not connected to either my name nor my husband, as they are company phones.
Product: Debt collection

There is this debt collection agency, who has harassed me for 5 years now for a debt I really no nothing about, but to make a long story short, they too money out of ( 2 ) of my bank accounts twice, the total for this credit card ( suppose to be for {$XXXX} they have too over {$3000.00} dollars from my banks for this so called one debt, I cant open a bank account with out them sending a writ of execution paper to me and my bank over an over again, there are stealing my funds from my savings and checking accounts this is not fair, I tried talking to them, and all they say to me is they will continue to take funds out of my accounts, even tho I did not know of this, account, they have over an over took enough of my XXXX to cover that amount several times, I want action, I want this to stop, also I am under Doctor 's care, for a XXXX Transplant I do n't need the stress, if I can I would like to sue them for thief, unjustified amounts, harassment, deception, Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.