23daVinci/CFPB_Complaints huggingface dataset:
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. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX  XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX  Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number 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 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: Student loan

Sallie Mae was the lender. very briefly I was unable to continue schooling and finish my degree. I was hassled more than XXXX and XXXX times a day with phone calls almost every day of the week, at the very least contacted every other day, what 's worse my father cosigned some of these loans and dealt with the same calls and bad manners I talked with him and I documented what we could. I did ask them to stop contacting me unless it was within accordance the law allowed. I was threatened that this will never go away and they would destroy my financial credit though I have no proof of these particular conversations I did n't document some things. While still in school they had sold some of my loans that I was successfully paying and some of those again got re-sold as well. At this point I did not know who was who in terms of loans owed. Rates had changed loan numbers are not matching up. So not only did I still owe and pay Sallie Mae but now owed some other companies who were seeking payments from cosigners as well, just as viciously! still I could not afford school or penalties and payments. my father had cosigned a couple of these loans it has stressed and damaged our relationship I have no degree and there is still more but I think you get the point. It has stressed and damaged our relationship ( my father and me ) I have no degree and there is still more but I think you get the point. Not to mention my credits about a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and notice that after thorough investigation, XXXX removed the negative item that XXXX XXXX reported but XXXX XXXX and Experian report negative items for accounts I am strongly disputing. I noticed one credit report states charged off closed and the other says charged off open. This " Account '' can not be opened and closed at the same time so there is a distinct error right there. There is no substantial proof that this debt is owed to the company and under the FCDPA, I am entitled to the validation of this alleged debt which I have not received. By law, If the required information is not forthcoming, all attempts at collection must immediately cease and correct information must be reported to all XXXX Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding what you said, and I quote " Please note, in order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. '' I already included this information 4 times now. But I will include it all again. As you are required to check with that company yourself requesting proof please actually do so. XXXX/XXXX, XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX (XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ). I am disputing these because they are not mine, I dont have any accounts with any of them so I can not add any account numbers. I never authorized a hard credit pull for any of these companies as my authorization is required as none of these fell under permissible purpose. I can not contact each individual company as for the same reason I can not provide you with an account number. These inquiries are fraud, and I am getting sick of you not doing your job.
Product: Debt collection

I keep getting phone calls from High point asset phone XXXX that do not identify themselves and leave robo calls about how they are going to forward my case to someonebody. They keep calling leaving messages stating that they are trying to send me documents. I have requested in the past proof of the debt and at no avail I have not received anything in writing. They never state they are trying to collect a debt and a guy in XX/XX/XXXX named XXXX told me he wanted to me to meet with an officer someonewhere to deliver documents. I am being threated with legal action but they cant come up with any paperwork regarding the debt.
Product: Credit card

My statement closing date is the XXXX of the month. If I purchase a pair of shoes for {$200.00} on XX/XX/XXXX but then return them on XX/XX/XXXX, Capital One does not permit me to deduct this {$200.00} credit from the payment due on XX/XX/XXXX. They expect me to still include the {$200.00} in my payment even though it has posted to my account or else face interest charges. This is an unfair business practice to penalize a consumer this way. It favors the cash flow of the bank to the detriment of the consumer. I own 3 other credit cards and none of them follow this model. ALL of them allow me to deduct any credits that have posted to my account even if they post after the statement cutoff date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Product: Mortgage

I started an application to refinance my loan with Ladera Lending. I started going through process of signing refinancing documents when there was a document in the pack that I was not comfortable signing. I talked to the mortgage lender, XXXX XXXX, who told me the form was required to fund the loan. I cancelled the loan application by filling out a cancellation form and submitting it with the notary. When I go back from vacation, I found out that they ignored my right to cancel and processed the loan anyways. I was charged points and fees even though I canceled and submitted the cancellation with the notary. They will not give me a signed copy of my documentation nor are they responding to my requests.
Product: Vehicle loan or lease

Reached out about in accurate information on account was told to call credit bureau
Product: Credit card

This has been a cinsistent issue that I have brought to Fortiva numerous times in the screen shot theres no transcation history so a consumer can review and cross refrence in real time. My previous available balance was XXXX dollars I made a payment of XXXX a few days ago my availble balance should be XXXX. I ASKED THIS GETS UPDATED IMMEDIATELY. Since they don't show transaction history I can't see if thru charged something that shouldn't be charged etc. CFPB needs toinvestigate this company and their practices under the fair reporting act cosumers need to see trasnsaction history this company is not doing that. Wheni previously asked they said there's statements... i said we need record in real time
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered a collection account listed as Diversified Consultants in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
Product: Debt collection

We receive a Bill from XXXX for a service that we never apply or have. They Bill us {$1400.00} for one month of service in XX/XX/2016 that we never receive. They don't tell us where is the address of the supose service. We never receive any mail from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting

I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Notice for Proof of Claim for Accounts. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. The following items are inaccurate : XXXX XXXX XXXX
Product: Debt collection

Calling my other family members and friends & harassing them. Threatening to take me to civil court. I called XXXX XXXX and there is no such case on XXXX. Repeated lies.
Product: Checking or savings account

I recently opened an XXXX Invest account and I want to link my Capital One checking account for the purposes of funding the investment account. After talking to Capital One support they confirmed that they are currently blocking the connection due to security, even though XXXX likely maintains equal, if not greater security standards than Capital One.
Product: Credit card or prepaid card

Electronic payment made. Bank of America accepted payment, then, although the payment had cleared my bank ( over {$4600.00} ), BOA put a payment processing hold on it and continued to charge interest. 
Call to BOA was frustrating ; they said they would call my bank to verify funds. This was an ACH payment. If funds had not been good, it would have reversed immediately. The bank knows that. 
If the practice of placing a hold on ACH payments is not illegal, it should be. 
Since banking system involved ACH, payment initiated on the XXXX that cleared on the XXXX would be well known to the bank. Except BOA is well known for trying to rip off customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My unblemished credit has suffered a sudden, surprising, and stubborn XXXX which now imperils my timely repayment of obligations taken on to get through the XXXX pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an XXXX unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this XXXX XXXX  with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.
Product: Debt collection

I have reached out to XXXX XXXX regarding a debt they claim I owe. They have not responded within the FCRA deadlines with the validation that this debt belongs to me. I am unfamiliar with this company or account and would like this rectified
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ;
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 ). Specificaly, 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in violation of the fair credit reporting act 15 U.S.C 1681s-2 ( A ) 15 U.S.C 1681s-2 ( A ) prohibits furnishers to report information with actual knowledge of errors to the consumers credit file. 

See Dispute attached
Product: Checking or savings account

In XXXX XX/XX/year> without my knowledge Merrill XXXX closed my XXXX account and mailed me the check ( as they state ). The check was mailed to the old address so I never received it. 

I discovered what happened on XX/XX/XXXX and called them. My account was showing XXXX and telling me it was closed. The representative told me they closed it due to the information not updated on time. I did update my info online using BoFa portal since they called me before and asked to update that info. Also she told me they're reordering the check for me and have to charge me {$25.00} for reissuing it. I disputed the charge and they waived it. 

I called back on XX/XX/XXXX and heard the same thing. 

Within XXXX weeks nothing happened. I called again on XX/XX/XXXX, was told pretty much the same thing. 

In between the second and third call I visited the branch and was told to wait. Still nothing. 

I visited the branch on XX/XX/XXXX, was told the same thing again, also that I had to call back on XX/XX/XXXX to make sure they lifted the restriction from my account and reissue the check again which I did. I called the bank on XX/XX/XXXX. 

When I visited the branch on XX/XX/XXXX I asked the representative - XXXX XXXX to file a complaint to the bank from me. He said he did that and I'd receive a call within XXXX hours. I haven't received the call. I did more research on XX/XX/XXXX and found out that although BoFA had my correct info Merrill didn't have my correct phone number. So I fixed this issue when called the bank as instructed on XX/XX/XXXX. I emphasized again I wanted to talk to the bank to file the complaint that I couldn't get my funds within over than 2 months! The rep told me they'd call me within XXXX hours. 

Today is XX/XX/XXXX. Still nobody called me from the bank and I haven't received my check.
Product: Credit card or prepaid card

I was going to book a flight on XXXX for my daughter. Because of the high price I decided to accept the XXXX $ of your ticket by applying for a XXXX / AAdvantage Platinum XXXX card. I applied and was approved. 

I then learned it will be XXXX days to receive the card but I need to purchase the ticket within XXXX hours. 

I could n't find a number at XXXX that could help, but was able to communicate via twitter. They told me I needed to wait for the card to arrive before I could use it. 

I was told I would get XXXX $ off the ticket, but that is not possible. I wo n't get the card in time to purchase the ticket. This was false advertising implying I would get XXXX $ off this ticket.
Product: Credit card or prepaid card

I emailed the company ( DailyOm ) 2x to ask them to issue a credit for a class I paid for and didn't wish to take. I sent the first email minutes after signing up for it after I read the outline and decided it wasn't for me. The class is only {$15.00}, but I've read a number of other complaints on line with the same issue, so I'm seeing a pattern. And they never even responded to my emails. I then contacted Barclays, the credit company I used. I called 2x and waited both times 40 mins and nobody ever came on. I tried a third time and after 10 mins I couldn't take it any more.
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XX/XX/2024 shared my account information with my consent all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX XXXX {$540.00} and XXXX XXXX XXXX XXXX {$630.00}. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

XXXX This company hung up on me when I returned the call they left on my elderly family members answering machine. When I asked for information on the debt to be emailed to me, their representative " XXXX '' asked if I realized that requesting that information was an admission of guilt!! Preposterous!!! I have requested this and they have my address and email address and have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX XXXX ( no account number available )