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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 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: Money transfer, virtual currency, or money service

On XX/XX/21 we were involved in a scam in the amount of {$8900.00} which we transferred from our Bank of America to another Bank of America to pay scammers who claimed that our daughter who lives in XXXX was involved in an auto accident and needed bail money to have her released from jail. I took cash advances from 2 of our Bank of America credit cards to pay scammers. Money was sent to Bank of America account # XXXX, rt # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Later that evening XXXX we finally got in touch with our daughter by text and she was not involved in a accident and was just fine. During these transactions we had talked to what we thought was our daughter and sounded like her. I immediately called Bank of America fraud department and had payment stopped and recorded as a scam and fraud. On XX/XX/XXXX I called the bank and was told that the money had been stopped. I signed and faxed a claim form to Bank of America. I also reported fraud to XXXX Police Department. I phoned the next week several times and was told by various people that the money was on hold until bank heard from accused party. On XXXX XXXX told me case would be solved by XXXX XXXX. On XXXX XXXX I was told it could take 60 - 90 days to solve case. On XXXX XXXX the amount of {$4600.00} appeared in my account and was told this was the settlement amount and account closed. I refiled again as I had been told many times that the full {$8900.00} was on hold. What happened to money? The bank has never had any correspondence with me and was told that paper work showing all info on claim would be mailed to me. I never received this paper work so have no idea what transpired. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a dispute I previously raised concerning a negative item on my credit report. Despite multiple attempts to have this matter resolved, the item continues to be inaccurately reported across all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX  XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am listed on my deceased father 's bank account however my sister who is the executor of the estate is not I have been working with the bank to have her added to the account so she can settle the estate for over a month and a half with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting that I have past due accounts of greater than XXXX days starting in XXXX and XXXX. XXXX XXXX XXXX put these accounts in a past due/delinquent/charged off status when I was in a XXXX  XXXX plan. The Trustee was making payments on XXXX XXXX XXXX account while I was in XXXX XXXX. Both the Trustee and myself were following the legal ramifications of the XXXX XXXX. XXXX XXXX XXXX is unwilling to correct my account and remove the past due/delinquent/charged off status. My credit report is inaccurately reflecting the XXXX XXXX XXXX account status as past due/charged off now and while I was in XXXX XXXX. I have also filed a dispute with Experian and XXXX. The credit bureaus responded that XXXX states they are reporting accurately and therefore my credit report status for XXXX XXXX loan remains the same.
Product: Credit card

I have been a long-time Capital One customer and have used their auto-pay feature for years to pay my credit card balance in full every month. Without my knowledge or consent, Capital One changed my auto-pay settings to only pay the minimum balance in XX/XX/year>. As a result, my balance unexpectedly ballooned to over {$9000.00}. 

When I contacted Capital One, they claimed that I had requested this changesomething I never did. I asked for proof of this alleged request, but they refused to provide any, citing " work product. '' This refusal raises serious concerns about their transparency and business practices. 

This is not just a personal issueit could be a larger systemic problem affecting other customers, potentially allowing Capital One to profit from unauthorized changes that drive up interest payments. I urge the FTC to investigate whether this is a widespread tactic used to exploit consumers.

Requested Resolution : 1. A full reversal of all interest charges incurred due to this unauthorized change.

2. A formal acknowledgment from Capital One admitting their error. 

Capital One should not be allowed to unilaterally alter financial agreements without customer consent. Their refusal to provide proof suggests deceptive practices that warrant immediate scrutiny.
Product: Debt collection

NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF XXXX XXXX EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 CAUSING HARM NOTICE INTENT TO SUE REPEATED OFFENDER XX/XX/year> DEFENDANT : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for LVNV FUNDING LLC GO AFTER XXXX XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX 
ALLEGED ORIGINAL CREDITOR ACCOUNT XXXX XXXX ALLEGED DEBT AMOUNT OR BALANCE {$830.00}, {$1300.00} TO CONSUMER REPORTING CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR : LVNV FUNDING LLC XXXX DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692 [ I NEVER gave your company consent to use this account XXXX XXXX XXXX XXXX XXXX ] EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR CFPB WILL SUE XXXX XXXX XXXX XXXX XXXX, YOU HAVE 3 DAYS TO DAYS TO DELETE IN RECEIPT AFFIANT XXXX XXXX XXXX XXXX Living woman far from being dead XXXX XXXX XXXXXXXX XXXX XXXX not TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


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Product: Money transfer, virtual currency, or money service

I am filling 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 affective measures to prevent and address fraud on their platform, leaving my account vunlerable 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 action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/2024, I was inquiring online about getting a new credit card through Citi for the sole purpose of a balance transfer ( my dog was diagnosed with two  kinds of XXXX and the XXXX  cost {$15000.00} ). Citi automatically approved me with a {$3000.00} limit which is unheard of since I haven't had a credit limit that low since I was XXXX. I immediately called Citi and told them that I was declining the card. 
Citi reps ( I was transferred to 2 different departments ) told me they couldn't change my credit limit for 3 months ( after the promotional balance transfer period ran out ) and they couldn't stop the application process. I called again the next day, XX/XX/2024, and spoke with three reps who also told me they could not stop the process and could not cancel the card until I received it. 
It hit my XXXX credit file that Friday, XX/XX/2024 ( 5 days later ). I called Citi again even though I had still not received the card. They put me in touch with their fraud department who agreed that the account should not have been opened, and the fraud department immediately closed my account. 
I contacted the XXXX credit bureaus and reported this incident. Citi responded back to them claiming that it was an authorized and approved credit card. They claimed my account was still open even though I have the email from Saturday, XX/XX/2024 ( the day after speaking to their fraud rep ) confirming my account was closed. 
I am now in the process of disputing this result with the credit bureaus. I shouldn't have to deal with this, especially not with everything else going on in my life. 
I strongly believe that this can't be an isolated incident. Citi advertises for a promotional balance transfer rate which is useless for the limit they provide ( and you can't get a credit limit increase until the promotional period is over ), they refused to stop the application process and cancel my account until after they reported it to the credit bureau, and they provided false information when the bureaus contacted them even though their fraud department concurred that this account should never have been opened and closed it themself.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Money transfer, virtual currency, or money service

PayPal is holding my {$400.00} despite clear evidence that the transaction was legitimate. I delivered the product, and the buyer acknowledged it in writing. PayPal refuses to release my money despite this proof, which is unfair and unlawful. I need my funds immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a contract with a merchant, XXXX, and a financing company, Universal Account Servicing ( UAS ) on XX/XX/XXXX. I purchased {$8100.00} worth of XXXX services, which were financed by UAS under a promotional rate of XXXX months with XXXX interest, provided I made the appropriate payment each month. I made the payments each month, on time, for the duration of his contract, and I have continued up to this day. 

In XX/XX/XXXX, after providing services for XXXX sessions, XXXX refused to continue to provide the contracted services that were promsed upon sale. From XX/XX/XXXX to XX/XX/XXXX, I continued to pay UAS, even though XXXX failed to render contracted services. In XX/XX/XXXX, I subsequently contacted XXXX and eventually the bank to put the issue in dispute until it was resolved in later that same month. Specifically, XXXX settled and refunded me {$4000.00}, almost the entirety of my remaining balance, which was {$4900.00}. This should have left a balance of just {$920.00} XXXX, which I was prepared to pay in full to close the account. 

However, before XXXX settled, I had contacted his bank, XXXX XXXX, who recommended he dispute the UAS charges until the dispute is resolved. When XXXX contacted UAS, UASwithout any investigation or communication with XXXX about the nature of the disputeimmediately returned {$1000.00} of my payments to XXXX, which XXXX then informed me the dispute was resolved in my favor on XX/XX/XXXX. UAS then immediately added {$1400.00} in interest penalties to my account, claiming it was I who now voided his promotion period because I had not paid my payments in time, and they fully backdated interest as if no payments have been made. This is a clear abuse on the part of UAS and they settled the dispute in my favor simply to abuse the credit system, knowing that if they sell the debt to collections my credit will be ruined. 

I was pleased that XXXX finally made an offer to make me whole after breaching the contract, and I wanted to pay UAS the disputed payments back as well as the remaining {$1000.00} on the account, to close out the balance completely. I reasonably assumed that now that the dispute was resolved, UAS would remove the interest charged and let me simply close the account. I contacted UAS to make this offer by phone at least 5 times, and on XXXX of those occasions I asked to speak to a manager, and he told I would be called back ( he never was ), I was refused, taunted, and demeaned. UAS employees insinuated he does not understand interest and did not read the contract. I did read the contract, but UAS has engaged in foul play in order to obtain illegal interest payments. Other customers have similar complaints about this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc ( Searching UAS payment scam XXXX yields many results ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing a complaint regarding an account listed on my credit report that I believe has been reported inaccurately and without my consent. The account was reported by XXXX XXXX XXXX and the original creditor is [ not listed ]. 

Account Information : Account Name XXXX XXXX XXXX XXXX Account Status : Placed for collection Balance : {$240.00} Original Creditor : [ not listed ] Date Opened : XX/XX/year> Key Issues & Violations : No Consent for Debt Sale : I never provided consent for this debt to be sold or assigned to a third-party collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must have the proper authorization to collect on a debt, and I did not authorize this collection agency to handle my account.

Inaccurate Reporting : The information reported by XXXX XXXX XXXX is inaccurate. The debt has been placed for collection without my express knowledge, and I am uncertain about the legitimacy of the debt being reported by this agency. This failure to provide clear and accurate account information violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumer 's credit report be accurate and verifiable. 
Failure to Properly Notify : Under the FDCPA, when a debt is assigned to a third-party collection agency, the consumer must receive proper notification. I never received a valid notice of assignment from the creditor or debt collector. This lack of notification violates my rights under Section 809 of the FDCPA.

Failure to Provide Proper Documentation : The collection agency has failed to provide any documentation to show that the debt belongs to me, and I was not notified of any sale of the debt to a third party. This failure undermines the legitimacy of the account being reported and further violates the FDCPA.
Product: Mortgage

I have had a HELOC with Bank of America for several years and up until XX/XX/2020 the line was working properly in terms of draws, repayment of principal and monthly debt servicing. The monthly servicing was taken directly by the bank by debit from an existing Bank of America checking account. 

On XX/XX/2020, I make a " principal only '' repayment of {$1500.00} from my Bank of America checking account. For some reason the bank did not reduce principal but rather held the amount in suspense. This same result was applied to a payment of {$2700.00} made later in the month. After a 2 hour wait on hold by their customer service line I was told the bank has upgraded its servicing software which is the reason for the delay in application to reduce principal. 

This is not the only issue. The amounts in suspense began to be used by the bank to pay my monthly service amount without my consent or even discussing. Now they apparently have reversed these entries and are showing my loan as past due. I am totally confused. 

I also don't agree with their principal balance and have not since XXXX. I asked the local branch recently for a reconciliation. I did my own reconciliation while I waited for theirs. Upon receipt, what the bank sent was almost unusable. I believe that my principal balance differs from the bank by more than {$1000.00}. 

After two months of trying to get this corrected, I have never been more frustrated than I am today. I can not be the only customer who has this same issue given it was a systems conversion which is the cause. No intelligent person at the bank will even return my phonecalls or respond to my email. 

Can you please help? 

XXXX XXXX
Product: Checking or savings account

I grew up in XXXX XXXX and opened up an account with Citibank. I got a promotion at wok and that sent me tl XXXX. From there I went ti XXXX, I asked Citibank several time to please move my account to XXXX. She told me it could not be done i would have to go to XXXX. I have been legal XXXX since 1991, I feel it is my money and I should e able to have it where i want, They could send my money everywhere but not to myself .. <P/>Thank you XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I received a letter from Chase bank informing me that the bank had paid a recurring charge of {$4.00} for a monthly XXXX Saturday paper delivery. At the time of the transaction there were not any funds available, but the bank paid the transaction. However, I was charged {$34.00} for the 'transaction ( s ) we paid '' or 850 % more than the original charge. How is this even legal? How is this morally right? It's hard enough to run a small business and yet banks like Chase make it harder. This isn't the only outrageous charge on the account because this 'paid transaction ' has set up a domino of other transactions being 'paid ' and as a result there are even more fees. Why is this allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Student loan

In 2007 I wanted to convert my consolidated stafford loans to direct federal loans so that I could qualify for the public service repayment program. I was told by Sallie Mae that I could not reconsolidate the loans and was not ( and would not become ) eligible for the repayment program. I have found out recently that my loans were in fact eligible for reconsolidation. Now I have paid for another 9 years and have made no progress toward qualifying for the PSLR program. I have worked for a qualified 503 ( c ) for my entire 18 year career.