23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify Cascade that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX/XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take XXXX days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.
Product: Debt collection

I did not take a student loan. My ex- daughter-in-law took out this loan. I did not sign anything in regards to this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVERBANK, XXXX  CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and ISCOVERBANK, XXXX CARD and XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Bankruptcy XXXX XXXX  Docket Identifier 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: Mortgage

AXOS BANK will not issue a payoff. The payoff was requested on XX/XX/XXXX. Today is XX/XX/XXXX ( 13 business days later ) and we still do not have the payoff. They stated 10 business days to produce the payoff but now we've had to extend the rate lock on our loan, which is costing money along with each day we do not close. To make matters even worse is there is NO avenue of obtaining a payoff online logging into the Axos account online. Calls have been made to their servicing department with no return call and never able to speak to anyone. Emails have been sent to Axos Bank 's wholesale contacts and they claim to have no ability to obtain a payoff or contact anyone in the servicing department. We were supposed to close LAST Monday on XX/XX/XXXX. This is criminal that a servicing department can with no accountability hold payoffs, have no online ability to produce one, or can wait 10 business days ( or longer like this ) to produce a payoff. There should be penalties on servicing companies outside of 48 hours of not getting a payoff when one is not available online.
Product: Credit reporting, credit repair services, or other personal consumer reports

under Consumer Law 15 U.S Code 1861 ( b ) Permissible purpose of consumer credit I did not authorize permission to report on my consumer credit.

15 u.s. code 1602 ( p ) the term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 usc 1692b not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. Telling a third party that you owe a debt is illegal! First it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business.

15 US Code 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 


I contacted Caine & Weiner after finding a collection on my report on XX/XX/2022. I contacted the company and asked for validation letters and other documents to prove I had an debt owed, and instead the lady wanted to fulfill legal obligations on her end and not give me anything i asked for. she just kept dancing around my questions, and trying to collect money I have no knowledge of. 

I have student loans on my Report as well. The school I attended has put me in debt at {$16000.00}. XXXX  XXXX XXXX XXXX is in litigation and has been for quite some time now for Fraudulent & Misleading practices. There is a Fairness Hearing XX/XX/2022. The problem I have is when i contacted the XXXX  and XXXX  about the matter they verified " XXXX XXXX XXXX XXXXXXXX '' and did nothing about the matter.
Product: Bank account or service

I tried to use my debit card from Etrade at the US Postal Service. It was declined twice with the response to contact Etrade. When I called to inquiry. It turns out that Etrade limits purchases at the post office to less than {$100.00}. I can not purchase, with my money, at the postal service because Etrade will not let me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) Consumer protection laws safeguard purchasers of goods and services against defective products and deceptive, fraudulent business practices. Historically, under the common law doctrine of caveat emptor, consumers had very little protection from misleading sales, requiring consumers to inspect all transactions themselves. As modern economies developed, laws slowly evolved to protect consumers from large corporations and practices like adhesion contracts which common law fraud did not address. Consumer protection law is made up of a large patchwork of Federal and state laws governing everything from products like cosmetics and medicine to services like lending practices. The Federal government oversees antitrust law and consumer protection through the Federal Trade Commission which inspects complaints of scams and fraud against businesses. States use a variety of agencies and statutes to enforce consumer protection, expanding on the Federal law in many areas. Consumers face high cost and time barriers to taking action against a business, resulting in low usage of consumer protections. However, consumer protection laws and actions have steadily increased since the 1970s, and more consumer and lawyer awareness may lead to a more active employment of consumer protection laws.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against Capital One Auto Finance for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Capital One Auto Finance ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Capital One Auto Finance reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that Capital One Auto Finance take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate { {$0.00} } balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Capital One Auto Finance will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Fay Servicing , LLC ( Fay Servicing ) is under CFPB Consent Order File Number XXXX-XXXX-XXXX to abide by Loss Mitigation federal and state laws.XX/XX/XXXX Fay Servicing extended an offer to discuss foreclosure prevention alternatives. XX/XX/XXXX Fay Servicing confirmed my RMA  ( request for mortgage assistance ) application was received and under review by its underwriting department. XX/XX/XXXX XXXX XXXX XXXX XXXX representing Fay Servicing at Delaware Superior Court Case No. XXXX-XXXX-XXXX filed among other things for default judgment for foreclosure - hearing is scheduled for XX/XX/XXXX at XXXX. During loss mitigation my loan was transferred from XXXX XXXX to Fay Servicing on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 hard inquiries on my credit report and that should be the right number, but its 8 of them on there with most of being American Express. I do not recognize those inquiries.
Product: Money transfer, virtual currency, or money service

On the night of XX/XX/XXXX, I initiated an ACH pull to my Crypto.com account from my XXXX XXXX account. The fine print said it could take UP TO SEVEN ( 7 ) DAYS, not a hard seven days and not business days. 

The funds were pulled from my account on XX/XX/XXXX. After 3 days, I started trying to withdraw the XXXX I purchased. After five days, I reached out to get an idea when the funds could be expected to clear. I was then told that it shouldn't clear until XX/XX/XXXX. 

That's not seven CALENDAR days as the fine print said it could take UP TO. 

Not only did they fail to address that it never says BUSINESS days, but it does say UP TO, which implies it doesn't NEED to take seven days. 

I've chatted with them in their app at least three times and even had my husband post about the experience on XXXX. Their support account acted like there was something to research for a different result, despite all the hey details being in the tweets. 

On top of that, they had left my chat history in a state that blocked me from opening a new chat for days, which is why I had my husband share it with the world.
Product: Credit card

I signed up for a Synchrony Verizon Visa card and opted for e-statements when setting up my payment account once I'd received the first bill. That went smoothly for XXXX and XXXX, as shown in my account. Then I inexplicably started getting paper statements. When I finally got around to fixing that, I realized that they were charging me {$1.00} per month " paper statement '' fees. 

I discovered online that this is quite common for Synchrony, which issues a number of company-branded credit cards -- switching people to expensive paper statements " for their convenience. '' A chat employee has refunded the fees and states that they sent me an electronic notification -- which I certainly didn't see, and doesn't show on my account -- advising me to set up the account... which I'd already set up. 

My issue is not with getting a refund. It's that countless people are being charged these fees and are not always able to spend the time to get things corrected. Nor should they have to. In my opinion this is simply a predatory practice and should be corrected.
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. 

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 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 and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency have provided other credit financial agencies with false information. On numerous occasions Ive spoken with them about not reporting false information. I never gave consent to report on my behalf. These reporting agencies have made it extremely difficult for me to get credit, loans and other financial benefits. Costing my good reputation and slandering me. Need these credit agencies to stop reporting on my behalf immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to Goodyear Credit card services    XXXX   XXXX    as well as  XXXX   XXXX  and was told both times I have an account already with them and my account is in default. But in  XXXX   XXXX  I filed bankruptcy and all my debts were  discharged  and I should owe nothing nor have any record with them.     I contacted my Bankruptcy lawyer and he told me to first send copy of Discharge paperwork which I did in late  XXXX  to  Goodyear Credit Services  but as of today  XXXX   XXXX  never heard anything and when I try to apply online for any type of credit I am informed this balance is still owed. My attorney then told me to contact the CFPB and file a complaint.     Also I had another similar instance with a bank I had done business with and was told I still owed the bank money (  XXXX   XXXX   ).   (    XXXX   XXXX   ).     I wrote the  Goodyear  Card Services ( See attached ) and never received any type of reply and that was  XXXX , while the bank still holding this against me was also  XXXX , but the credit union who conveyed this to me on the bank said there was nothing I can do to correct as even though my debts were  discharged  my negative record/report was going to remain on this report indefinitely. I have nothing from   XXXX    XXXX   or the  XXXX   XXXX   XXXX  to show as I was verbally told by the  XXXX   XXXX   XXXX  in  XXXX , CA. I can provide more info to your office on this credit union if you want to privately email me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Cur : XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information : Report # : XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX  Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 Pursuant to 15 usc 1681 ( a ) the consumer report does not have any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real.
Product: Credit card

Letter dated XX/XX/year> from XXXX XXXX states that I need to take action for a credit card application and that identity could not be verified and application would be canceled if I did not respond by XX/XX/XXXX. I waited until XX/XX/XXXX to contact them. I contacted XXXX XXXX and advised them that I did not request a card and please cancel the request and open a fraud case file # XXXX. 

XX/XX/year> received in the mail a travel credit card from Truist. XX/XX/year>, I contacted Truist and requested cancellation and closure of this request, advised it was unauthorized and it was a fraudulent request. Truist opened fraudulent case ID XXXX and advised I would receive follow-up material.