23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts have collectively and individually violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX # 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 XXXXT # XXXX 15 USC 1681 602 ( a ) states I have the right to privacy.

15 USC 1681 604 ( a ) sec. 2 states a consumer credit reporting agency can not furnish an account without written instructions submitted by the consumer.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 the information is inaccurate.
Product: Debt collection

{$120.00} Balance for XXXX insurance for a debt that is not owed.
Product: Money transfer, virtual currency, or money service

I bought something on PayPal and the other user from PayPal sent me a bill for me to pay. They sent me the bill for XXXX XXXX Pesos and it was supposed to be XXXX XXXX pesos. I paid the XXXX XXXX Pesos and immediately realized I made a mistake. I called PayPal to cancel it. They told me after a few days and the payment posts I can cancel it. After I waited a few days I called to cancel the payment, they told me they can not cancel it. I then filed a charge back with my credit card company. The person that sent me the bill for XXXX XXXX sent my info to PayPal and is trying to get away with a scam. She sent me someone else 's bill and it was not mine. She had listed dates showing 2 months long. I was supposed to stay for 2 days. They then told me they would refund me the money back. I have yet to see a refund and here we are almost 3 months later. I have documentation showing they were going to give me a refund.
Product: Debt collection

For the past two years I and my elderly mother and other family members have been receiving repeat calls and messages about supposed pending legal matters pertaining to a debt that I know nothing about. I have always told my mom to ignore the calls, my credit is great and I keep and eye out for changes in my report but these constant messages upset her so I finally called them back one day and they threated to serve me with papers. I gave them my address and told them to send me documentation or whatever they needed to send me, just stop calling my mother and that I knew nothing about the debt they were referencing. They never sent me anything. The calls stopped for a while and they have started up again. After ignoring them, they have become more aggressive and again, I called them back to see what they would say. This time they said they were with XXXX XXXX XXXX ( My case Reference # XXXX ) and were acting as mediators on behalf of their client - XXXX - Assured Financial Partners. They say they have purchased an old debt attached to my social in the amount of {$3200.00} that is now {$5800.00} and if we go to court {$2500.00} will be added to that amount. When pressed for info about the original creditor they said it was a XXXX XXXX ending in XXXX and I have never opened a XXXX account so unless I am a victim of identity theft and the retailer just never reported this delinquent account to the credit bureau, this is a total scam. After speaking to these people I immediately called XXXX and they were unable to locate any account attached to my social security number. While this was a slight relief, I am still very concerned because whoever I was speaking to on the phone did have all of my information including my social security number, home address and phone number. I am unsure of what I should do next, they said I would be served with papers so I guess I will wait and see if that happens but I suspect that just like last time, nothing will happen. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX My SS # is XXXX
Product: Debt collection

I have been contacted repeatedly by Cedar Business Services attempting to fraudulently collect a debt that does not pertain to me. They are naming the creditor " XXXX XXXX XXXX XXXX '' with a principal amount of {$220.00} and fees of {$160.00} equaling a total owed of {$390.00}. I have never been to XXXX, never been contacted by the XXXX XXXX XXXX XXXX. I believe this is a fraudulent transaction and I believe a fraudulent creditor has requested a legal debt collector to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Product: Credit card or prepaid card

Paid on time each month the minimum payment as part of a balance transfer promotion. 

On the statement datedXX/XX/XXXX, the balance on the card of {$4200.00}, XXXX was under a promotional rate. It did not provide any notification that this transfer rate would be expiring. 

On the statement dated XX/XX/XXXX, the promotional rate disappeared but the interest breakdown showed XXXX balance on any lines charging interest. No notification was provided on the statement that a promotional balance was expiring or that any balance was being transferred to a different interest rate category. 

On the statement dated XX/XX/XXXX, the full remaining promotional balance was subject to 23.9 % APR. Upon receiving the statement I paid the balance in full including interest to clear out any balance. 

On the statement dated XX/XX/XXXX I was charged another {$53.00} for interest charges on the interest charges and additional interest from the time the XX/XX/XXXX statement was issued and I paid in full.
Product: Credit reporting or other personal consumer reports

Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : XXXX. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX  XXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report.

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission ( FTC ), under reference number XXXX, against both Trans Union and XXXX  XXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

XXXX. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the XXXX. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the XXXX. 

XXXX. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

XXXX. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting.

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, XXXX XXXX
Product: Mortgage

This complaint is a continuation of complaint XXXX filed last Fall of 2021. Since this time I was contacted by the loan servicer, and they had me fill out a loan modification document. I submitted the documentation, and 3 months later the company processed my documents and informed me I had a lien on my property. I was 100 % unaware of this lien, and upon finding out it turns out the lien was issued in error. I sent documentation to the company appointed point of contact, and followed up with her multiple times over a 4 month period. I have not heard back from this person since probably XXXX at this point. Since this point I've received multiple calls from Amerihome saying they have no record of my loan modification application, and have not received an update on the documentation I've provided. This situation is causing me all sorts of XXXX  because I've done everything I was asked, and can not get a straight response from Amerihome. Additionally, all of their agents are extremely rude and unhelpful. Why can they not find my submitted modification? Why can no one tell me the status of the documentation I submitted? I would like my previous application reinstated and this matter to be closed ASAP.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards in order to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

In XXXX of 2023, I obtained a credit card from Nacy Federal for {$25000.00}. I decided that it was financially feasible to consolidate my credit card debts into one payment. What I was not aware of was that while I was paying a monthly interest, which was {$270.00} my monthly payments if increased would not be as high as {$560.00}. 

I did not know that not paying off the entire amount would have accrued additional interest of {$330.00} which increased my regular monthly payment from {$270.00} to {$560.00}. I was under the impression that even if they added the interest, my payment would be inclusive of what I was paying regularly of {$270.00}, rather than the amount being added to inflate my monthly payment to the high of {$560.00} afterward. Since the card is a cash rewards, shouldn't the cardholder obtain rewards from the said balance transfers?
Product: Checking or savings account

Truist locked my account, claiming that there was an issue with a check that was returned. The check was only returned because their customer service agent advised me to put a stop payment on it. Following the agent 's advice, I was hit with an overdraft fee. Then, I spoke with a customer service manager. She removed the hold and submitted a request to have the overdraft fee refunded. After I deposited more money into the account, they blocked it and refused to let me close it and receive my money. The account is positive, and I owe them nothing. They have all of the recorded calls. When I reference them, they act like they're not seeing anything. 

How is someone supposed to eat when you are holding their money?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that Equifax and XXXX XXXX remove this from my report immediately.
Product: Debt collection

I quit XXXX on XX/XX/XXXX. They refused to port my number over to my new carrier and charged me for 2 months thereafter when I had no cell service. Some months later, I was sent to one collection agency after another for a bill of {$100.00} that I did not owe. I'd call and explain the situation and every agency sent the " debt '' back to XXXX. This has been a continual harassment since then. Now I have Jefferson Capital LLC of XXXX XXXX, MN reporting this as a derogatory on my credit report. I called them today ( XX/XX/XXXX ) and was told that they would put it into dispute but the rep there could not tell me what that meant or what would happen going forward. My XXXX score has crashed by XXXX points over this one item that is false reporting. My XXXX was XXXX and is now XXXX on XXXX. This is the only change in a while other than their usual minor blips. I pay any bills that I owe legitimately and on time. I do not, however, pay bills that I do not owe. XXXX and Jefferson Capital are responsible for damage to my credit score and my peace of mind. Three years of this harassment is just too much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out several disputes online and a letter through certified mail to Experian. Experian is stating that items are remaining but have yet to give me a copy of the evidence used in their investigation to determine the results, they have stated multiple times that items have been deleted or updated and nothing has changed. I have yet to receive a copy of an updated credit report. Also the date of account removals are incorrect. Medical bills are remaining with no reason as to why and no proof of debt owed.
Product: Checking or savings account

I have Frost personal and business checking accounts and my accounts was comprimised and deposits were made to my account without my permission.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 thee violations.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been violating 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 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 or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you permission to furnish this account on my credit report? Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore dispute resolution process was fair 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 or other personal consumer reports

There is information being reported that is not associated with me. I have circled this information that needs to be removed. I have provided my Id and proof of address showing my true information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which was 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 information relating to any transaction by the consumer.XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE.

SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. IF YOU CAN NOT GIVE ME THE DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT WITHIN 15 DAYS, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. 
DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " I OBJECT TO ANOTHER REINVESTIGATION, I REFUSE ANOTHER REINVESTIGATION ''
Product: Mortgage

I have requested several times in the past almost 2 years to have us bank home mortgage company to report my monthly payment to the credit bureaus after my bankruptcy was discharged in XX/XX/year>.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my account and they are refusing to release the vehicle. They are saying that we're going to have to wait until the vehicle is taken out of state before we can get it back.
Product: Debt collection

In the fall of 2018 I noticed that my PC Richards store card had purchases on it that weren't mine. I went into the store and complained and an employee told me that someone used my social to make the purchases. I was upset because they did not require photo ID to approve this transaction and left me with the balance. The employees at the store were of no help so i went to the police to file a report. I was in Florida when the fraudulent purchases were made in New York. I showed the officers my flight itinerary and I was advised not to pay a dime given I didn't make any of the purchases. Now the account is in collections and the balances has risen. they contact me over the phone and send me mail each month.
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 XXXXXXXX XXXX XXXX