23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A third party vendor incorrectly billed a monthly recurring charge for internet services to an American Express account. Months earlier, I had changed the billing to another credit card, which they successfully billed for almost a year. For some reason, in XXXX 2016, they mistakenly billed the charges to the American Express card, which I had physically destroyed before then. The vendor could not explain why they used the old information, but acknowledged that they did. They then billed me correctly on the new card. No services were provided to me by the vendor from any charges to American Express. I gave this information to American Express. After a few rounds of phone calls and emails, they agreed that the charges were incorrect. The vendor was ultimately paid on the correct card, and they agree that I do not owe them any money. American Express, at XXXX point, also agreed. Unfortunately, that happened on a phone conversation, which I did not record. They did send me a letter indicating the dispute was resolved. 
I assumed that was the end of the matter but I foolishly failed to keep the letter. There was peace for a few weeks. Then American Express collectors from XXXX began calling me at home and on my cell phone trying to collect the nonexistent debt. I answered the phone for their calls and I contacted the company several times to try and explain to someone who could understand. Now it has started again, with the callers threatening that my credit may be adversely affected. I told them all that my wife and I have a credit rating of XXXX ; we pay our bills on time. Now the billing and collections calls have started up again. I 'm a XXXX and do n't have the resources of American Express. They have wasted untold amounts of time and money chasing a debt that does not exist. But because they have the apparatus in place, they can pursue the matter, taking my time, even though I have not avoided communicating with them to sort things out. I seem unable to convince them, however, that I do not owe them any money. Can you please help?
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I want the items re-investigated and removed from my credit report. I am a victim of identity theft. 

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 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 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 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
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against NATIONSTAR MORTGAGE for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Product: Credit card

I've consistently made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/XXXX
Product: Debt collection

This is a follow-up to a complaint filed on XX/XX/XXXX ( in which XXXX XXXX used a deceitful tactic in an effort to avoid responding ) and a follow-up complaint filed on XX/XX/XXXX that an agent with CFPB suggested I file XXXX 
On XX/XX/XXXX, both my renter and I who are out of town, saw clips on our security cameras with people entering our property through the locked gates, climbing through a window of the studio where my renter stores items, rummaging through our items and the locks were changed. This was discovered by having a neighbor and a realtor friend check on the property after seeing this. Because of XXXX XXXX 's lack of communication with both myself and counsel, we have no clue if this is of their making. My senior lead officer advised I file police reports. I have emailed XXXX XXXX but have yet to receive a response.
Product: Checking or savings account

On XX/XX/2023 I made a payment to my XXXX  XXXX card using eft from my checking account at NFCU the transaction was shown on my banking app as paid and the next day I recieved an email from XXXX  XXXX that the check was returned due to a closed account. I provided XXXX XXXX with my new account number and processed a second attempt to pay my bill. On XX/XX/XXXX a fee of XXXX was charged and none of the transactions were listed on my banking app. I feel the practice of paying and then not paying these payments the. Deleting them and charging me a fee is ridiculous considering the money was in the account at the time of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
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 tak-timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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: Credit reporting, credit repair services, or other personal consumer reports

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I asked for removal of late payments due to filing deferment paperwork late. My son had XXXX at the time and I asked for them to remove late payments in goodwill. Instead they added more late payments and dropped my credit score!
Product: Credit reporting or other personal consumer reports

these credite burues are reporting inaccuarate information which is causing me great distress, making it difficult for me to secure an auto loan. It is incredibly frustrating to see multiple questionable accounts listed, and this situation is unacceptable. 

I understand my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies take reasonable steps to ensure maximum possible accuracy in credit reporting. They have not done this. The presence of incorrect information on my report indicates a serious failure to meet these standards. : XXXX - XXXX : ** This account shows an inaccurate late payment status. I have never been late on this account ; it was paid in full and on time. This negative reporting should not impact my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a inaccurate late payment. I was never late on this account. This account was paid as agreed on time and in full- this is inaccurate i can not be paying on time for 30 days and then jump and be 90 days late. this shuld nt be reporting negative I have attached evidence supporting my claim.
Product: Credit reporting or other personal consumer reports

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. This collection Informationon my Transunion XXXX report is not refelecting the same infromation that was removed from XXXX XXXX Collections ( XXXX XXXX XXXX ) Transunion Account # XXXX Collections ( XXXX XXXX XXXX ) XXXX Account # XXXX Delete ASAP.
Product: Credit reporting or other personal consumer reports

I would like to proof of how you verify this inaccuracy on my report. I still see and I have proof of the inaccuracies information on my report. According to XXXX and usc 1681b and also us 1605a. These account are inaccurate XXXX  XXXX XXXX showed XXXX day XXXX but XXXX day shows XXXX and XXXXday show XXXX. These account is inaccurate also the balance loan is wrong as well. XXXX have a different account number than the other bureau reporting account number this is an inaccurate account. Also XXXX XXXX XXXX XXXX was sold. How it this company reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a letter of reinvestigation making the company aware that I never received an initial investigation as Congress states Im entitled to on accounts reporting ( 15 U.S.C 1681a ( e ) investigative consumer report ). Once Experian assumed this vital role and grave responsibility of fairness and maximum accuracy their duties were clear and precise. Only the derogatory accounts below prove otherwise. Untrue, unverified, incorrect, non-compliant with the CRSA enacted CDIA Metro 2 Compliance regulations. the accounts that are being questioned lack proper investigation and accuracy. I do not have any affiliation to XXXX and any personal data that Experian has sold to that company compromised my identity, every time Experian purchases, sells and furnishes my data without lawful investigation. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF 1974 LAW. Instead of Experian removing the errors they updated which further violates my federal consumer rights. I was never late with XXXX and Experian has had 48 days to do a proper investigation. Please update XXXX billing error to paid as agreed never late ( PAANL ) 15 U.S.C 1666 Billing Error ). Delete XXXX account as it is non-compliant and untrue. Experian also had 5 business days to send me a written notice of dispute which I have never received pursuant to 15 U.S.C. 1681i. Delete these erroneous furnishings do to numerous violations and failure of proper procedure compliance. Please help protect me from these deceptive practices and being federally violated.
Product: Mortgage

I bought a home using Freedom Mortgage for my loan. A year into the loan Freedom Mortgage sent my a check for {$1800.00} saying it was an overpayment reimbursement and that I was being overcharged by {$500.00} a month. After receiving this letter, I contacted Freedom Mortgage and told the there was no way my mortgage should be {$500.00} less and they must have made a mistake. They told me my account had been reviewed and the letter ws correct and my mortgage would be dropping {$500.00} a month and to cash the check they sent me. Several days later I called them again and told them they made a mistake and that my mortgage shouldn't be that low. Again, I was told my account had been reviewed and that my mortgage payment would be lowered and to cash the check they gave me. I cashed the check a month later and bought a new truck thinking I would have additional money with my mortgage payment being lowered. A month later Freedom Mortgage contacted me and said they had made a huge mistake and that my previous payment amount was the correct amount and that I had to pay them {$2000.00} ( from the {$1800.00} check they gave me ) to make my escrow account what it needed to be to pay taxes and insurance. Since then my account has gone up and down $ XXXX {$50.00} every two months. Last month I received a call from my insurance company stating the Freedom Mortgage hadn't paid the and that my policy would lapse if I didn't pay it. I contacted Freedom Mortgage to ask why my insurance policy hadn't been paid from my escrow account. Initially they tried telling me they had never paid my insurance but after proving to them they had been for the past three years I was told Freedom Mortgage would no longer be paying my home insurance through my escrow account and I would have to pay for it myself. The rep told me this was a new policy and no one would explain why Freedom Mortgage was stopping insurance payments. I then asked them what my mortgage payment would be since they weren't paying the policy anymore. Freedom Mortgage then told me my payment would remain the same and wouldn't be lowered to compensate for the nonpayment of insurance. I asked them to review my loan because it wasn't possible for them to stop insurance payments but keep my payment the same. I was told it would be 3-5 days before I received the review. Two weeks later they have not reviewed my policy. I was told by XXXX XXXX they were aware of what Freedom Mortgage was doing and that it was immoral, unethical and illegal. I would like Freedom Mortage to explain why they are refusing to pay my home insurance policy, why my payment isn't being lowered and where the additional funds in my escrow account have gone since they are paying app. {$1500.00} less a year from my home insurance policy. 

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

As the attached pdf document shows, XXXX XXXX requires applicants to acknowledge that a certain web form is NOT a credit card application. Nonetheless, after filling it out and proceeding to a subsequent page, my XXXX credit report shows a hard inquiry from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been comes to terms. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my personal files. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Reference # : XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is incorrectly shown.

My social security number and other information was found on the dark.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so. 
Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off. 
I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

1.XXXX XXXX Account number XXXX Account type Credit card 2.Account name XXXX XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
4.XXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
5.XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
6. 
XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
7.XXXX XXXX Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/XX/XXXXXXXX XXXX