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

As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE XXXX5 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

I received student loans for the purposes of attending college between approximately XX/XX/XXXX and XX/XX/XXXX intermittently. During this time, and the time since, the option of an income based repayment plan was never made apparent to me : my options were high monthly payments, forbearance, or deferment. As a result, I put my loans on financial hardship forbearances until they were exhausted. Now I can go through the cumbersome income bases plan, but the system seems designed to confuse the borrower. I 'm dealing with multiple loans and different call centers and collection agencies. Navient should be labeled as a criminal organization.
Product: Debt collection

I emailed and Called XXXX XXXX XXXX XXXX  several times over a year ago to remove this debt to date nobody has returned my phone call or email. I asked them To remove the debt because they breached the contract by providing my ex husband who was not on the lease keys to my apartment, making it unsafe for me to move out. The police wouldn't do anything because it's a civil matter and I would have needed to evict my husband. A process that would haven taken 30 days, at the time I only had 2 weeks or so remaining on my lease. During the remaining two weeks I faced XXXX  XXXX from him. I could not safely move out. I went to the office and complained about my husband having keys to my apartment. XXXX the manager disabled his keys but that did nothing to get him out of my unit bc I would have needed to evict him. The day I came home after been gone from my unit over the weekend I came home to find him in my unit, making things more problematic bc the police couldn't do anything. I have video of me coming home that day and him in my apartment. Screenshots of him making fun of that he has the keys to my unit. XXXX XXXX XXXX XXXX  in XXXX Texas wants to charge me XXXX  in move out cost when they are the reason I had to move abruptly for my own safety. Furthermore they are violating the laws that protect victims of XXXX  XXXX by issuing me an move out bill that is outrageous.They were aware of the XXXX  XXXX that went on in my apartment bc the neighbors would call and voice their concerns. The police came several times to my unit.
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, 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

sends one piece of mail, website was a dead end, so i couldnt dispute. i dispute through other orginizations and wouldnt go through.
Product: Credit reporting or other personal consumer reports

Accounts associated with my name and personal information were compromised during a recent data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these inaccurate items will be fixed.
Product: Money transfer, virtual currency, or money service

Im a member of Chime banking. I have their app which I use often and they are a scam now with atm fees by having a in network atm and out of nowhere changing it with no warning and adding a fee for out of network. There has to be regulation for that or anyone can do it and set people up for a large amount of fees. There should be a law requiring they update changes so people do not use what is once a in network atm and avoid fees. They changed it out of nowhere and I got a fee they refuse to do anything with. Its their fault they fail to notify people of changes and it was one I used often and not even weeks from when a charge was applied. Unexpectedly changing in network atms is not acceptable and is a scheme that must be addressed. Otherwise I and others can open processors like them and get away with wracking up the same kinds of fees changing it out of nowhere in people. Something better be done about their scheme. It is unacceptable and will not be tolerated stealing money like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian on XX/XX/XXXX and they refused to delete my prior address appearing on my Experian Credit report here in Minnesota. They said they could not delete this former address involved with a recent identity theft and credit fraud attempt because some creditors are still using the information. I told them it should not appear because I want no physical mail going to that address that could be intercepted by fraudsters ever again. I also quoted the FCRA law demanding the former address to be removed but XXXX XXXX in the fraud department at Experian was not impressed with my interpretation of the law or had any desire to comply with the law. I informed him I would file a complaint with the CFPB.gov website.
Product: Credit reporting or other personal consumer reports

The phone number and email address on my Experian credit information is my correct, not matching my personal information. I am unable to verify my identity using my phone number through voice response system. I am asked to receive a code and that code is being sent to a number that I am not receiving. My recent credit report I ordered dated XX/XX/year> contains my cell phone number on the report and no other number is listed with my identity. 
The voice response system also informs me that my subscription has recently been cancelled to Experian. I was not aware that I had a subscription connected with this credit bureau. Also, I tried to use the online website to log in. I used my email address to receive a password reset, and I never received the reset link to my email.
Product: Credit reporting or other personal consumer reports

I am writing this request to SELFINCXXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Credit reporting or other personal consumer reports

We are attempting to refinance the mortgage loan after making sure payments were in on time. 
PLEASE HELP US, we sent in a Favor writing letter ( Goodwill letter ) to update the credit reporting showing no late payments. They said yes we could do that then retracted their statement at the mortgage company ( Shellpoint Mortgage ). We just want to refinance the home and need help after doing all the correct steps. We have paid all payments needed for this to be shown on our credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions 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

On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with Experian, XXXX, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XX/XX/XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
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 violates 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 errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my Equifax credit report from XXXX but I keep getting the error " Online Delivery Unavailable : We are not able to deliver your free Equifax Annual Credit Report online. '' and they request sensitive documents be mailed to them. I have tried on multiple different days and from different browsers and computers, to no avail. I have verified all info is correct. Other bureaus work fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a line item reporting on my XXXX credit report. This item is hurting my ability to obtain a mortgage loan. I sent XXXX XXXX and Experian a letter including a letter from the child support agency to have the item removed from my credit report. XXXX   promptly removed the item from my report. XXXX said this item was " verified ''. How can this be verified when I sent in the letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX LENDING | XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} UNIVERSITY FED CR XXXX | XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX | Date of Inquiry : XX/XX/XXXX XXXX/XXXX  | Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  | Date of Inquiry : XX/XX/XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX | Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX-XXXX  | Date of Inquiry : XX/XX/XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Debt collection

I had to order and cancel XXXX high-speed internet within a 2-week period because they could not provide me with working internet ( Account # : XXXX ). I cancelled properly, and obtained confirmation # : XXXX. I also completed their online 3-Day Guarantee Form on XXXX/XXXX/XXXX. XXXX XXXX refuses to properly close the account. After I reported this to the Arizona Attorney General 's Office in XXXX of XXXX, XXXX acknowledged the error, and assured us that they have corrected the account. I went a year without receiving any bill, call, or notice of any kind. I believed the account to have been resolved. Unfortunately, I recently received a collections notice on XXXX/XXXX/XXXX for an unpaid balance from XXXX collector, Central Credit Services, LLC ( Central Credit # : XXXX ). I should not have any balance whatsoever. I need to have XXXX XXXX resolve this account error that occurred on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I total my car in XX/XX/2018 XXXX  XXXX  an XXXX didnt paid off the car an left a balance. Instead of the car people going after them the came after me. Threatening me about me damaging my credit if the balance aint paid an now a year or so later the sold my information without my consent or knowledge to a company who is harassing me about the balance. Its not my fault they wasnt paid I made my payments on time
Product: Bank account or service

I have been long time client of HSBC Premier Banking in the US. Apparantly, starting in XXXX of 2016 HSBC started charging me {$50.00} a month for a checking account. I received no notice from HSBC about this change, either USPS or email. They only contacted me once they put the account into an overdrawn status.
Product: Credit card or prepaid card

I only have access to my Best Buy credit card statements from XXXX and XXXX, but I was charged a monthly debt protection fee for my purchases. I made a major purchase on this card for a TV around that time, and used my card to pay for it because of the 0 % financing plan they offered. To the best of my knowledge, I was given no option to select this debt protection fee - as I would, say, an extended warranty - at the time of purchase. I was only made aware of this due to a discrepancy between the outstanding total on the Best Buy credit card site and the You Need A Budget app I was trying to sync it with, which led to my being made aware of this to begin with. 

This fee shows up in my statement as " XXXX, '' and after a brief phone call with Best Buy this morning I was able to opt out. However, according to my statements, in XXXX I this fee totaled {$69.00}, and {$92.00} thus far in XXXX. The monthly amount varies but, after further research, I have read that this fee is approximately {$0.00} per {$100.00} credited - which lines up to with the cost of the attributed TV purchase.
Product: Mortgage

Ditech is refusing to give me statements regarding my mortgage payments. They sited CFPB rules stating they are not allowed to because I had filed bankruptcy in the past. My bankruptcy closed with all debts payed in full XX/XX/XXXX. They stopped sending me statements in XX/XX/XXXX. They have however sent me two escrow analysis statements in this time period. I just want to be able to see my statements. I am not currently in bankruptcy nor have I been since XX/XX/XXXX. They're only response when contacted is " per CFPB rules we are not allowed to send you statements ''
Product: Credit card

To Whom it May Concern : I have a credit card with Citizens Bank and after pulling my annual credit report, I found they have closed my account back in XXXX. On XXXX XXXX, XXXX, I lost my full time job, so I made payment arrangements with all my credit card companies, including Citizens Bank, asked for payments of lower than {$50.00} a month and they agreed. I was able to pay the other credit cards I owned as well as Citizens Bank with a part time job I had obtained. I followed up with a phone call on XXXX XXXX, XXXX regarding my now closed account and a woman stated she would send a letter within XXXX10 business days. She also stated with they closed account back in XXXX XXXX and I would have to re-apply once the balance was paid in full. I have been paying my bill as long as I can remember and more than what is asked to pay on each statement. To date, XXXX XXXX, XXXX, I have yet to any letter as to why my account was closed. My address is current, there is no electronic delivery as she verified my address ( can not find anything on their website regarding electronic notices ) and there are no PDF files saved anywhere on their website. What I want is a letter stating why they closed my account, that it is off my credit as a negative or for any other reason that would be used again me for further purchases, etc and to report them for illegally closing my account under the " Responsible Lending Act '' and " Credit Card Act '' and have not notified me in writing within 5 days of the action being taken. I do n't understand why they would close an account when making current payment arrangements after the loss of a job. I feel they discriminated against me in fear of non payment when in fact I was making payments. On all of my statements they have noted all sorts of different numbers for the amount due and the amount I was originally supposed to pay. They always stated it was late or a past due amount when there was always a payment every month of more than what was owed.