23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Been try to pay of the account for XXXX month and seem to never get any one who can help me get a good amount to clear the account out, they are also report to my credit report XXXX time for XXXX different account and when ask can I pay the lower amount they said no and said I must pay the high one that is XXXX time the amount
Product: Credit reporting or other personal consumer reports

RC/RESURGENT RECEIVABL Is showing on my credit report as a collection. I requested a proof of contract I signed with them ( Resurgent ) and 1099C from original creditor since its a charge off which means they have already been paid. 
On top of that they shared my information with another party XXXX which is a violation FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Inaccurate information on my account ( wrong Balances ) on my status on file
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT ( XXXX XXXX XXXX OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.
Product: Credit reporting or other personal consumer reports

Ive submitted this complaint several times CFPB & XXXX, EQUIFAX and XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX, EQUIFAX and XXXX with FTC Fraudulent report support my position. It seems XXXX, EQUIFAX and XXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the following accounts/inquiries removed/blocked per 605b with the attached documents again. Thank you ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX Bankruptcy Reference # : XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/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 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 XXXXXXXX Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I did a debt consolidation loan with XXXX XXXX XXXX XXXX. I had three credit cards : Lowes, Amazon, and Rooms to Go. All three credit cards are financed by Synchrony Bank. Checks were disbursed to all three cards from XXXX XXXX XXXX XXXX. 
The balance for the Amazon XXXX Credit Card was {$1100.00}. Synchrony Bank processed the Amazon XXXX balance ( {$1100.00} ) on the Rooms-to-Go account. 
When I called for them to transfer those funds to my Amazon XXXX Credit Card on XX/XX/XXXX, you can see from the screenshot. The correct balance was applied to Amazon XXXX Account. 

Here is the big discrepancy, although the funds were transferred from Rooms to Go and then to Amazon XXXX Card, the {$1100.00} was never removed from the Rooms to Go database. The accounts were closed. Synchrony Bank refuses to remove the {$1100.00} from the Rooms-to-Go account. As you can see, they have labeled the {$1100.00} as a purchase, which is incorrect because the account was closed. 

I only owed {$1100.00} to Synchrony Bank. The current balance is coming from the bank adding {$1100.00} plus {$1100.00} plus interest. I have always had a good credit history with Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate information and unverified items on my credit report. It has been over 30 days and I have not received a proper response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate the disputed items within 30 days gives reason to immediately remove said items from my credit report. It has been over 30 days so the disputed items need to be deleted promptly from my credit report. Furthermore, I demand that these items be deleted immediately or I will file for litigation due to the stress that you and the bureaus have caused me. My information may have also been impacted by the Equifax data breach and could have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX you closed the report which is extensive and opened multiple times. You evidently did not read it and it still is unresolved after considerable time. The companies response can not be opened and I am still without credit. What can one think? Opinion -By ones works ( in this case none ) they are known. I merely post knowing you are a fraud agency. None of the complaints NOT ONE ever resolved. One must ask how ineffective can an entity or people be? Evidently there is no answer for that question because you demonstrate that time after time.
Product: Credit card

Account name XXXX XXXX Payments are set to occur electronically a few days ahead of the due date ( XXXX ) Despite being scheduled, I was hit with a charge ( presumably ) for late payment. 
I told them to correct it or I'd be closing the account. The current statement reflects that they didn't make the correction. 
While the amount they're charging isn't a backbreaker, the idea of them doing this to a large number of people is worrisome, and is indicative of criminal behavior/ They were told that I'd be closing the account and reporting them. Now I have.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: 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 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 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. 
please provide original contract and verify all payment history where necessary.
Product: Credit card

As of my XXXX XXXX, XXXX, billing statement I have incurred a {$26.00} late fee and also interest charge of {$20.00} on my statement for my Citibank thankyou XXXX credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of {$25.00} on the due date. I also was signed up with a 0 % promotion when I obtained the card in XXXX of XXXX with no interest until XXXX of XXXX. The customer service agent advised that I have incurred interest charges since XXXX XXXX on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter, nor was I contact about this either. I am being billed fraudulently for interest and also billed a late fee. I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT. I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. I have paid my balance in full for the amount of {$3400.00}. I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed a federal lawsuit against (5) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX   Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF TEXAS XXXX DIVISION ~ Judge XXXX XXXX. On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, Experian, and XXXX the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Product: Checking or savings account

I opened the accounts with Chase Bank in XX/XX/XXXX, in Arizona. I used the accounts regularly until XX/XX/XXXX, when my access to the account was denied. There was a list of phone numbers to call for assistance. I was told they had placed a freeze on the accounts, someone with a foreign instrument had tried to access the accounts, but they were OK, they had been trying to get the account numbers. Two days later after having to get a new E-mail address and password I was able a access my account. The last transaction I made was two deposits {$400.00} and {$130.00} online, they do n't have any branches it Hawaii where I was vacationing at my sons home. 
As I looked at my accounts I saw my deposits XX/XX/XXXX. The balance on the savings account was {$23000.00} the checking account {$2200.00}. 
Then there were 8 transfers from my savings to other accounts ; none of them were mine. 
3 to other Chase accounts, 4 to XXXX XXXX accounts, 1 to  XXXX XXXX account {$22000.00} had been transferred. My new savings balance was {$470.00}. When telling the Chase rep. the account went blank on my computer, they froze the accounts again. 
XX/XX/XXXX, They issued a check {$2600.00}, XX/XX/XXXX a check {$18000.00}, XX/XX/XXXX a check {$2100.00}, XX/XX/XXXX a check {$0.00}. That is {$23000.00}. {$25000.00} was missing. I 'm still short {$1700.00}. XX/XX/XXXX. I was told by a Chase claims Rep.that account was settled. I 've been since XX/XX/XXXX to get a printed statement. They say to go to my local Chase branch and get one. That is a 10 hr. round trip airline fare. I think they could do better than that. With the last check they sent a closing summary for checking and savings, dated XX/XX/XXXX to XX/XX/XXXX. I need XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

i have been getting calls from Portfolio recovery for years over a debt that iiiis not mine. it's the same name but not exact to my own. ive asked them to send me the info showing i applied for the credit and they have not been able to show anything. the statement they provided is for a " XXXX XXXX '' however i have never gone by that name ever especially when applying for credit. it's a XXXX name not a legal name. I asked for them to verify the actual applicaation submitted to the creditor and all they submitted to me was a statement which proved nothing as i suspected.
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 45. 
XXXX financial loss, and I seek appropriate redress for these violations
Product: Debt collection

TransUnion continues to report inaccurate information on my credit report. TransUnion responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from XXXX. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with XXXX to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay XXXX. XXXX refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

XXXX has and continues to violate my rights according to the FCRA. XXXX is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if XXXX continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.
Product: Money transfer, virtual currency, or money service

Purchased an XXXX puppy named XXXX on XX/XX/XXXX. {$1000.00} payment sent to XXXX XXXX at XXXX through US Bank XXXX. Transaction completed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. Puppy was to ship within 2 hours per website and XXXX XXXX. I contacted him several times and was told it takes time to process paperwork. My daughter called next morning at XXXX XXXX & spoke to XXXX. Told her the paperwork takes time, that I would hear from the shipper in a couple of hours. Three hours later I receive an email from XXXX XXXX XXXX XXXX XXXX XXXX with info puppy would be shipped at XXXX, arrive at XXXX. Delivered to my home. Received another email from them, requesting {$1400.00} for transport crate and I would be reimbursed when puppy was delivered. I thought they meant {$14.00} and sent another XXXX payment of {$14.00} to XXXX XXXX, XXXX email XXXX. They sent an email back stating the cost of the crate rental is {$1400.00} not {$14.00}. I emailed them back and told them the seller was responsible for shipping the puppy to me and to get the money from him. They responded back they would not ship the dog and did not refund my {$14.00}. At this time knew I had been scammed. Reported to US bank on XX/XX/XXXX. Did not hear back from bank. Met with a banker on XX/XX/XXXX and they will not refund my {$1000.00}. I want both web sites removed from internet and prosecuted to the fullest extent of the law : XXXX XXXX XXXX  & XXXX. The above information was sent to the Federal Trade Commision. 

Also, was told by a XXXX customer service representive, XXXX, who helped me set up the XXXX account I would be able to get my money back. I met with banker at US Bank, XXXX XXXX, on XX/XX/XXXX and was told I can not get my money back. The bank never made contact with me after I report the scam/fraud issue to them. I called a week later to insure my claim was being investigated and was told it was. I would have reported this sooner had the bank contacted me. Someone there dropped the ball. I never would have sent any money to anyone without assurance my {$1000.00} would be refunded to me if there were any problems. US Bank obviously supports the use of XXXX and should be held accountable to refund my {$1000.00}. Thank you very much for any help you can give me in recovering the money I was scammed out of.
Product: Student loan

I have a number of times contacted this company about private loans and this includes a career training loan. I have asked for them to lower payments or make it at least manageable to pay back. They stated the lowest they could make it was XXXX that is only for a year and then they would have to relook at the accounts and see if I would be able to keep it. They originally wanted over 800 dollars from me which is an entire paycheck. I have done my best for a year and now they want to up not only those loans but all of my payments on all my loans. I already pay over 600 a month, and am barely getting by. I am literally filling bankruptcy on my other debt because I can't keep up. My career training loan, was years ago and I can't seem to put a dent in it at all. Not to mention the school was not accredited and basically a scam and they ended up changing their name and closing a couple years later. When I asked the company of loan forgiveness as the school closed later they said their was nothing they could do for me. This company is a trap, and if I knew then what I know now I would have never gotten loans period. I need help.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX  # XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX  XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested copies of my credit reports from all three credit bureaus, ( Trasnunion, XXXX, XXXX   ) and found numerous accounts had been opened established in fraud. I driectly contact the credit bureaus, all three and also directly contact the creditors and the collections agencies also reporting the fraudulent debt, I'm now reaching out to you in helps of expediting this issue and getting it resolved for. I have asked all parties involved to send me proof of these debts that are claiming to belong to me, XXXX XXXX. I have asked to get ip address, physical mailing address, statement/invoices, signatures, and signed contract and dates. Still I have not received anything back or any updates regarding this extreme matter.
Product: Debt collection

I receive noticed from XXXX XXXX that my credit score dropped XXXX points. I looked up my credit and a company called Credence placed a negative remark on my credit report about collecting a debt. The are representing XXXX XXXX XXXX XXXX. I do not have any idea what this about. I have not purchased any products from XXXX XXXX XXXX XXXX. If it's about wireless service I purchase my phones from XXXX only. They are stating the purchase was made on XX/XX/2021 for {$1200.00}. I called XXXX to dispute the negative report and I'm still waiting to hear from XXXX The other agencies state that negative reports are not on their file. I received a letter from Credence yesterday wanting me to fill out a fraud report for XXXX XXXX XXXX XXXX. I called Credence yesterday and it keeps sending me to XXXX. I do not want to fill out any documents until I know what they are claiming that I bought. I looked up Credence on the web and there are many other people complaining about Credence making fraud claims. I prefer to talk to someone in the XXXX.