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

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original debt from the   XXXX   XXXX   XXXX   XXXX   was {$5000.00} and I had paid it down to {$4300.00} by  XX/XX/XXXX  it was {$3800.00}. On  XX/XX/XXXX  I was served court papers at   XXXX   XXXX  ., from The Best Service Company. I called them to find out why were they doing this and   XXXX   XXXX   stated that I told him not to call my job any more so he is suing me! I tried to explain that by him yelling at me and threatening me is not allowed. He then stated that if I wanted to stop the court proceedings I would have to pay the clerk of the court fees of {$220.00} the first payment and then the second payment on  XX/XX/XXXX . In  XX/XX/XXXX  I was placed on disability and was not receiving my full pay so I called the companies I owed the situation. I could not contact The Best Service Company because I did not have a phone number nor an address. I received a letter on XX/XX/XXXX  from the Best Service Company stating I have missed three payments of {$120.00} a month and I need to cure this default of {$370.00} in 10 days. I borrowed the money and I have been current. I called   XXXX   XXXX    on XX/XX/XXXX  to ask if I could pay half of my debt which at that time was {$3400.00} with  XXXX  payment.  XXXX  said when you get the money to call him back. On XX/XX/XXXX  I called him back but he did not answer the call. I left a msg that I have borrowed {$1400.00}. I called again the same day and he answered and right away he was rude and would not take the money I offered, but he said I was late with my payment. So I paid {$120.00} and hung up the phone! Yesterday I received an alert from  XXXX  regarding my credit score! I signed on a it was the Best Service Company it had said I was seriously delinquent on XX/XX/XXXX ! I called   XXXX   XXXX   and I was hysterical and crying trying to explain that I have been trying to fix my credit score and you stated I was seriously delinquent. He yelled at me " you do not tell me what I can do and matter you are being rude to me and when you learn how to talk to me you can call me back. So I told hi I am not being rude but how does he think this is fair! He stated that as of right now the amount you owe is {$3800.00} you were late this month with your payment and if you are late again it will go up again! I will never be able to pay this off if he continues to do this, please help me!
Product: Credit reporting or other personal consumer reports

under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below 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 has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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: Debt collection

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint againt Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Csh App failed to timely and effective messures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have an account in my credit reports that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.

According to 15 USC 1692g a consumer has the right to request validation of a debt.

This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

If these accounts are not validated within 30 days, I will take legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER! Also, during the validation period i any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE
Product: Debt collection

XXXX- XXXX account # XXXX has been charged off, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer. and con file a 1099 C as well. United Auto Credit filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report.

The IRS states that a charge off is considered income and income is not reported on a consumer report therefore a creditor or financial institution is committing fraud. 

Furthermore XXXX XXXX XXXX XXXX XXXX is also committing fraud by trying to collect on a charged off debt that the IRS states that it is income.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX Date XXXX Balance : {$970.00} Late/Open XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXX to XXXX XXXX on XXXX
Product: Vehicle loan or lease

Account was opened XX/XX/XXXX with a XXXX down payment with full coverage insurance on the vehicle. Was in an accident XX/XX/XXXX and the car was totaled. The insurance paid the car off and was supposed to clear the vehicle. It was never cleared received information from credit acceptance stating that Ive surrendered the car back to them and that I owed XXXX left on it I contacted my insurance and they stated that they would only pay the remaining balance off for what the value of the car was worth and credit acceptance denied it and requested the car be returned to them, they sold the car and still charged me that amount Ive asked for the 1099c since its stating that Im missing payments on this car after its was crashed and or voluntarily repossessed.. just seems like a big scam and its been on my credit for a long time and Ive havent had the car since XXXX. But its reporting Ive been missing payments for XXXX like how.
Product: Checking or savings account

Hi I was cheated by US bank to open reserve lines when I opened a checking and saving account with them, which resulted in a hard pull in credit report. First of all, I was n't notified by the banker by any word regarding a hard pull or credit report change. Secondly, I was n't aware of any word about " reserve line '' rather than overdraft protection. This is ridiculous. I have contacted the credit dispute department of US bank. But their response is disappointing.US bank should take full responsibility for this issue. I just request to cancel the hard pull and reserve Line. However, this simple reasonable request by the customer was ignored by US bank. Could you help me on this? Thanks.
Product: Debt collection

This company, Hallstead Financial is using number from the area code that my number is in. I live in Colorado, which is mountain standard time, and have received multiple calls from this company using other others before XXXX MST.
Product: Debt collection

The Medical Office did not file and claim in time with my Insurance company. The debt is not owed per XXXX.
Product: Debt collection

Approximately XX/XX/XXXX - XX/XX/XXXX, I had left XXXX as a customer. I had contacted them and on a recorded line, their people agreed to a payment plan where I would pay $ XXXX- {$80.00} a month on the amount of my cancellation fee and the remainder owed. I proceeded to make the first payment that was agreed upon of {$50.00}. <P/>The following month, I went to make another payment of the agreed upon amount, I checked my mail and found they had sent me to collections via Diversified Consultants, for the amount of {$230.00}. Upon contacting XXXX to ask about what had occurred to nullify the agreement that was made ( and after being hung up on multiple times ), they had said that I would not have been sent to collections if I had paying what was owed ( even though I was told we had an agreement to a payment plan. ) Upon calling Diversified Consultants to try to remedy the debt, I offered 65 % the sum of that was owed. They refused to accept it. Upon asking if they were refusing to accept any payment on a recorded line, they said yes. <P/>XXXX then continued to send notices of the debt via other collection agencies and contacting my family to where I had to tell them to cease and desist contact to my family. I disputed the validity of all the notices of the debt when I received them, As well I was still receiving email statements from XXXX asking me to pay that amount to them. <P/>In XX/XX/XXXX, I had received another collections notice. Upon dispute of the collections notice, I received correspondence from XXXX about disputing the debt that was owed. Upon filling out and sending the information they requested via mail, I received no further notices about the debt. <P/>Approximately XX/XX/XXXX, I went to review my credit information, and found that Diversified Consultants had reported on the XXXX XXXX XXXX XXXX, the sum of {$230.00} as being delinquent. <P/>Written proof available upon request. Due to account numbers on statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't
Product: Debt collection

I have received several calls in the past 2 weeks from a debt collection company call XXXX XXXX XXXX XXXX XXXX. I was contacted concerning a {$340.00} debt in XXXX with XXXX. I was told that the debt was given to XXXX XXXX XXXX by XXXX ( another debt collections agency ) on XXXX XXXX, XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at XXXX XXXX XXXX was XXXX XXXX. XXXX XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to XXXX without any solution to my concern.
Product: Credit reporting

There are more reasons then the one listed above for four years I have tried to be patient spending hundreds and hundreds of my hours of my life keeping in contact with all debit collectors, If XXXX XXXX credit card was right then why do I not have signed account form for the card they claim is unsecured, I never had an unsecured card with them, only secured so for four years you have illegaly allowed them to put a false account on my report as well as all the other issues. I only should have XXXX credit card, XXXX credit card, only XXXX things in collections XXXX, and XXXX and XXXX XXXX, that is not, not one other thing. Enclosed you will find letters I sent you registered and certified as well as XXXX XXXX and other companies telling them to prove it and havent. For over four years I have a huge paper trail, phone, fax to all creditors, debt collectos and credit reporting companies proving not only was idenity theft part of this, but the companies are wrong, like the other letter enclosed here, I told all of you XXXX, XXXX XXXX in association with XXXX, both of which you allied on my credit, I told you time and time again, and them over and over XXXX was wrong. I enclosed a letter in XXXX where XXXX tried to tell me I was wrong, but once I sent that letter to XXXX credit companies in XXXX 2016 saying I Was gon na sue, and credit companies contacted XXXX - XXXX all of a sudden a change of heart was made and look at letter XXXX 2016 where they admit XXXX made a mistake and a recall. For FOUR years you allowed this company on my credit. I am going to media and I am already meeting with lawyers, TRANSUNION, XXXX and XXXX, I have not received your {$5000.00} checks for breaking FCRA regulations. If you cant see I was going easy on you with all issues, I do n't know what telll you, If the checks ffrom all XXXX credit reporting companies for {$5000.00} and the issues not fixed, it will be hands of lawyers, attorney general and FTC down the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under this circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. This is fraudulent & is impacting my ability to gain credit. 
The company do not have the right to report the account since they lack any permission. XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

On Tuesday, XX/XX/2024, I visited my local Chase branch to open a credit card. I told the representative, XXXX XXXX ( Assistant Vice President, per business card I was given ), I was deciding between two specific cards, Sapphire Preferred ( {$95.00} annual fee ) and XXXX XXXX ( {$550.00} annual fee ). After discussing, I decided on the Preferred which has a lower annual fee but offered a higher signup bonus for opening in-branch. When I got home and added the card to my XXXX XXXX I noticed I was given a XXXX rather than a XXXX, which meant Id have to pay a higher annual fee and lose out on the higher in-branch sign up bonus, which wasnt offered with the XXXX 
I called XXXX back who confirmed and apologized for the mistake and told me there was nothing she could do so she transferred me to her manager, XXXX XXXX. XXXX stated that they couldnt do anything in-branch as they dont deal with credit cards but there was an unnamed department who he would escalate to and they would call me. I asked for a contact number so I could be sure the person who ultimately reached out to me was truly affiliated with Chase but he claimed there was no number to provide. 
I then called the general Chase customer service department and was ultimately transferred to a representative named XXXX. XXXX claimed there was nothing neither she nor her manager could do but asked if the branch manager ( XXXX XXXX offered to waive my first years annual fee. I said that wasnt offered but when I relayed this to her manager, XXXX, XXXX stated that the branch manager had no such authority and was puzzled as to why her employee, XXXX, suggested that. Throughout the process, every representative mentioned that if I wanted the XXXX card at this stage, the only option for me was to close the XXXX card and reapply for the XXXX, resulting in another credit check. I also asked if rather than getting the XXXX card, I could have the first years annual fee waived or if I could have the higher in-branch signup bonus applied to the XXXX but no one confirmed if this was possible, saying it would have to get escalated to the Marketing department. I confirmed that I wanted the case escalated as quickly as possible and I was given a case number but told I would only receive an update via physical mail within 7-14 business days. 
At time of this complaint, I have yet to receive the electronic paperwork I filled out in the branch and am frankly puzzled that such a mistake could happen.
Product: Checking or savings account

I signed up with capital one for a XXXXXXXX XXXX XXXX XXXX XXXX account expecting to have a interest rate of around 4 %, But the interest rate was changed to around 0.3 %
Product: Mortgage

To whom it may concern, Once again Ocwen has still not settled any of my complaints. Ocwen is supposed to be banned from foreclosing on anyone until they correct of the wrong doing they have done to not just me but othersas well. Once again Ocewen is attempting to foreclose on me. Ocwen has been doing wrong just about as long as they have been in bbusiness. Once again I am suing Ocwen for a XXXX dollars and before I even get to court Ocwen may be able to illegally foreclose on me. I have had about XXXX XXXX because of Ocwen and now my wife just had a XXXX XXXX and XXXX because of Ocwens illegal activities. 
Ocwen has to be stopped. 
I believe also the SEC needs to be looking into possible stock manipulation.