23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. XXXX XXXX XXXX section XXXX A states I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. XXXX XXXX. 
XXXX ( 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

All the inquiries on my Equifax are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Identity was stolen. Credit account open with Best Buy and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by
section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Keep receiving numerous calls and threats all times of the morn. Or day about a XXXX XXXX XXXX  account credit card that I never received or used and Recovery portfolio have been trying to collect debt and won't resolve instead keep harrasing and threats to sue and have been told that I have been a victim of fraudulent activity with XXXX  XXXX XXXX  and XXXX  XXXX XXXX  and have disputed it and Portfolio recovery has not removed or investigated it and continue to harrass and ask me to pay A Identity and fraudulent payment sum of {$460.00} that I didn't receive and threathen to be sued Credit card companies /Portfolio recovery
Product: Debt collection

Business Caller would not identify company name or identify itself as a collection agency until after repeated requests to identify their company name. 

Abusive tone of voice when asked to provide information about how was calling.
Product: Credit card or prepaid card

BASIC INFO : Credit Card Co : Capital One Credit Card Type : Secured Card Credit Card & Account Number : XXXX XXXX XXXX XXXX What is this complaint about? <P/>1. Have been using the card since XXXX 2016 ( 8 months ), and paying balance on-time. <P/>2. Problem : a ) In XXXX, I used the card to make a car purchase dowmn payment. When came time to pay, or access to online account was denied, under the premise of a fraud, when there is no fraud or attempt for one, whatsoever. <P/>b ) The Account was put on a temporary restriction Status, which prevent the use of the card or access to the account on-line to verify transactions and make payment, but also to avoid paying INTEREST. <P/>c ) I could not make any online payment, as the account is " paperless. '' An operation I have been doing for 8 months. A profile with my Checking Account # and payment info has been set and used for several every month. <P/>3. Contaced the CapitalOne Customer Service about the issue and was told that there is a suspicion of fraudulent use of my account and, was given several options to " VERIFY MY IDENTITY '' - one of which is to take a list of documents to a local Capital One Branch to do the verification. I did just that, about a month ago. I took the cards I had with CapitalOne, my SS Card, My Driver 's License and even the Deed of my residence. The CapitalOne Branch Employee called using their phone system the Fraud Department, who spoke with both thebank Agentand myself, asked several questions to satisfaction. Consequently informed me that the Account will be restored within 24 hours. It was not. <P/>4. Havingjust started a 2nd job, and without need to use the card, did n't have time to follow up until a week or after. I went through the same scenario and had to go again verify the identity with the same agent, etc. The account did n't clear. Meanwhile, a derogatory entry was made to Credit Report. <P/>5. I called again, and this time they DEMAND that I provide them with copies of my Driver License, Social Security Card, Utility Bill, etc. I CATEGORICALLY REFUSED. The information is private and protected, and the documents are PERSONAL. I have showed them for VERIFICATION, but refuse to give them away or authorize anyone to have them in custody, on the cloud or on the moon. <P/>As consequence, it has been over a month since I WAS AND CONTINUE TO BE PREVENTED from making payment, and therefore forced into paying an interest, let alone the inconvenience and unnecessary aggravation. The cards are SECURED with MONEY I had to pay up front. For that, an obligation is in effect. By preventing under " false premise '' the use or even payment of the balance, Capital One breach its contract and obligation. The argument " their policy requires documentation '' is but bolony. It would have been perhaps true before the issuance of the card, not 8 months later! They de Facto waved that pseudo-policy. It comes down to VERIFICATION v POSSESSION ( custody of ) of private and personal documents. Verification has been executed twice!
Product: Money transfer, virtual currency, or money service

hello, This company has arbitrarily closed my account. 

I have several years with my account and I had never had problems before. 


The only thing I requested was that they enable my direct deposit. 

however now I receive an email saying that I have violated their policies but I have never done anything wrong. 


I also can't withdraw my XXXX balance. 


my account is XXXX name on the account XXXX XXXX XXXX case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my bill, yet it shows that my balance is unpaid on my credit report. I paid my bill on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Found some hard inquiries that are not mine on my credit profile
Product: Mortgage

My mortgage loan company ( PennyMac Loan Services , LLC ) has an escrow account and it is used to pay the county property taxes. Taxes are due XX/XX/XXXX and XX/XX/XXXX each year. I paid off the mortgage balance on XX/XX/XXXX, so I should only be responsible for directly paying the property tax starting on XX/XX/XXXX ( i.e. PennyMac should have paid the XX/XX/XXXX tax payment ). 

When I went to pay the XX/XX/XXXX taxes, I found out that the PennyMac failed to pay county property taxes that were due on XX/XX/XXXX. Consequently, I now have to pay a {$310.00} late payment penalty to the county. 

I contacted PennyMac ( XXXX, employee number XXXX ) and they are refusing to take responsibility for the late payment penalty. They claim that they pay taxes out of Escrow just before the " Delinquency Date '' ( i.e., the date when late payment penalties apply ), not the formal " Due Date '', and since I paid off the loan before they made the tax payment, that is simply unfortunate. That logic does not add up. The Due Date is the official date that the county requires payment - while the Delinquency Date just indicates when the payment is so late that the county feels the need to penalize the taxpayer ( e.g. as incentive to pay sooner ). 

In conclusion, I believe PennyMac should be required to pay the {$310.00} late payment penalty from the county.
Product: Mortgage

Wells Fargo incorrectly reported that I was over 180 days late on my mortgage payment after I entered a forbearance agreement with them when I became ill. In addition, they charged me interest on the full principle of the mortgage after they were paid in full on XX/XX/year>, at closing. I was then forced to pay the interest they demanded so that I could have my mortgage account marked " paid in full. '' After over XXXX month, when they finally marked the account " paid in full, '' they notified the credit bureaus that I was over 180 days delinquent. I believe Wells Fargo committed fraud when they charged me interest on principle they were not owed, and when they falsely reported that I was delinquent on my account. The woman I dealt with at Wells Fargo, and whom I believe is responsible for these actions is a supervisor named XXXX XXXX.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to request immediate assistance in resolving an issue with Alliant Credit Union. In XXXX, I elected for distribution of funds from my XXXX retirement account, which was held by XXXX XXXX, in the amount of {$100000.00} ( Pretax ), {$75000.00} of which was supposed to go to my savings account and {$25000.00} to my XXXX IRA. However, Alliant Credit Union has deposited the {$75000.00} into my XXXX IRA and {$25000.00} into my savings account. 

I want to inform you that XXXX XXXX, whom I elected the distribution from, has tried to contact Alliant IRA Division multiple times but they have not had any luck either. They have informed me they are ready to handle the correction as soon as they can get in contact with an individual at Alliant. However, I have made multiple attempts to contact Alliant for which i've been placed on hold for 30+ minutes at a time and then disconnected. This lack of communication and inability to resolve this issue is unacceptable. 

This error is not my fault and I expect it to be corrected immediately. I understand that there may be penalties for withdrawing funds from my Roth IRA account, but in this case, it is not my mistake and I should not be held responsible for any penalties. I have not made the transfer myself, as any penalties from withdrawal of the funds aside from 10 % tax withholding is not acceptable as this is not my mistake. 

I would greatly appreciate any assistance you can provide in resolving this issue. I have tried multiple times to reach out to the bank but with no luck. I expect prompt attention to this matter and a resolution as soon as possible. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX
Product: Debt collection

This debt showed up on my credit report and I requested proof of debt from the agency. They have failed to provide this documentation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Date XX/XX/year> Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX RE : Complaint Regarding Collection Activity by CREDIT CONTROL CORP Dear CFPB, I am writing to file a complaint against CREDIT CONTROL CORP for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer.

1. Failure to Provide Validation Information I received a communication from CREDIT CONTROL CORP stating that I owe a debt of XXXX to XXXX XXXX XXXX XXXXXXXX However, the collection agency failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies.

2. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt.

3. False, Misleading, and Deceptive Practices The collection agency 's actions constitute a violation of 15 U.S.C. 1681-s-2 ( 7 ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful. 

4. Furnishing Information to Credit Reporting Agencies Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in 12 CFR 1006.34 ( d ) is a violation of my rights. This action could negatively impact my credit score without ensuring the legitimacy of the debt.

5. Request for Resolution Therefore, I am requesting the CFPB to inves
tigate these violations and take appropriate action against CREDIT CONTROL CORP This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA.

Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt.

Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified.

Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in 12 CFR 1006.34 ( b ) ( 5 ).

Proof of their agreement to purchase the debt from the original creditor.

Verification of their license and bond status.

I have attached copies of all relevant documents, including the communication from the collection agency.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I signed up for a free trial of a XXXX XXXX   service. The service required pre-authorization for future months, so I authorized via PayPal. Immediately, the PayPal app authorized a debit of {$19.00}. I then contacted PayPal thru their online support and reported an unauthorized debit. In minutes, my claim was denied. I tried to dispute the charge twice more, and each time my dispute was rejected with no clear explanation. 

Finally I contacted the XXXX XXXX service, and that service issued a refund with XXXX minutes. 

XXXX days later, PayPal removed {$19.00} from my account, and is now holding the refund for the usual " XXXX business days ''. 

This is the second such time PayPal ignored refund requests from the vendor and me and held funds from my account for a period of days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX {$410.00} XXXX XXXX {$500.00} XXXX XXXX {$590.00} XXXX XXXX {$710.00} XXXX XXXX {$400.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX   XXXX {$15000.00} XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am tried of reaching out to XXXX, XXXX, and Equifax and waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX  because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You
Product: Checking or savings account

I am attempting to transfer funds from my Apple savings account ( Goldman Sachs ) to my XXXX XXXX account and my attempted transfers/ withdrawals are being blocked / declined by Goldman Sachs. My hard-earned money is now being held hostage by Apple / Goldman Sachs .
Product: Credit card or prepaid card

I noticed several unauthorized transactions made on my cashapp account on XX/XX/XXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. Cashapp responded to me today stating that no error occurred with the transactions that were made. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting my free annual credit report from XXXX XXXX, XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to one free credit report annually. Furthermore, I want XXXX XXXX, XXXX and Experian to release my credit report to all lenders, creditors, banks and credit unions.
Product: Credit reporting or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.