23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Sorry about my English will try my best to explain my self. I have been charged for purchases that I dint made on my card, normally when I got a deposit automatically founds are transfer to my personal account and that day dint so I went I notice that transfer dint go through and I went to check on the account and I got this charges XXXX XXXX XXXX. {$200.00} XXXX XXXX XXXX. {$350.00} XXXX XXXX search {$24.00} I call the XXXX Bank of America reported in XX/XX/XXXX a lady ask me if i have my card with me, i whent to my wallet and I dint have it in my wallet, she ask me when was the lastime that i saw it, i told her that i dint remember because i have never used that card at all, Never. She told me that they where going to investigate and cancel my card, and they would let me know and that i was going to receive a letter on mail with new card and never received a letter, email or call. I got in touch with them on XXXX about the problem let them know about the problem and she told me that there was no report she ask me for any proof of case submitted I told hear that i made a call but I do have a email that I sended. she ask me to send again, and this time got a replay to email asking me to call I did call as state in the email and a guy told me that it all ready pass 60 days and they can do nothing about it to put a claim on the unauthorized transactions. When I have been for to months calling and waiting until today I found another 2 unauthorized transactions XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXXXXXX {$00.00} I was going to call but if they ignored me the 2 firts times for a bigger amount they would laugh on me for 73 cents. Also I recived all this information that Im going to attach on the days of the unauthorized transactions occurred I dont know what to Do thats main reason asking you for help. Thanks
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

A {$50000.00} credit line was taken out from XXXX XXXX  in the name of XXXX XXXX XXXX and used my name as the 100 % owner of the company. I have never had any affiliation with this company or XXXX XXXX. The first I was aware of this was after a default judgement was entered against me. I went to court on XXXX for a motion to vacate renewal was not successful. 

I wrote a letter to the bank and also asked the collection agency ( States Recovery Systems ) to supply me with the original loan documents to no avail. 

The information on the loan application submitted by XXXX XXXX XXXX is fictitious and not associated with me in any way. 

There is no supporting documentation for the loan : No copy of my valid driver 's license No business and/or financial documentation associated with me in any way No copy of bank/liquidity account statement associated with me in any way No tax return information associated with me in any way No articles of Incorporation for XXXX & XXXX XXXX filed with the Secretary of State, which bear my name The signature on the loan is not mine and never lived in XXXX XXXX. 

It is also alarming that the bank officer on the loan application has the same last name of the treasurer of XXXX XXXX XXXX.
Product: Student loan

XXXX XXXX XXXX website is currently indicating that it is down for " scheduled maintenance, '' and has apparently been like this for roughly 7 days. Furthermore, their " contact us '' section of the website is hidden behind the " scheduled maintenance '' page as well, making it difficult to contact the company to address the situation ( unless you already have their contact information ). This is delaying my access to tax documents and making it so I am unable to see the status of my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone pretended to be an employer from indeed. Hired me, then sent me a welcome packet which consisted of me filling out an I-9, direct deposit slip, etc. I wrote a report for them and never got paid, that was when I realized the whole thing was a scam. It was too late, they had all my personal information. I told them I was on to them that was when they deleted all accounts.

I have 18 inquiries that I did not authorize : ( some are duplicates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These are incorrect names that are on my credit report : XXXX XXXX, XXXX XXXX, Accounts that are fraudulently on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Incorrect Addresses reported on my consumer report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  THERE IS 1 LATE OR MISSED PAYMENTS ON MY REPORT ON XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I noticed my credit report was reporting wrong and had a bunch of inaccuracies and unverifiable items. I reached out with a letter that I had certified made copies placed my drivers license and Social Security card on the forms photo copied them and sent them in a certified letter they said the address wasnt theirs Then the other one experience said that I didnt give them enough information when clearly I had my drivers license, my Social Security card and my credit report seeing how Equifax had a major data breach and experience is being sued at this present time I would like these items deleted off of my credit report permanently They violated the laws placed by fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Debt collection

AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

My loans were forgiven under the public service loan forgiveness program in XXXX of 2024. To date, XXXX has refused to update my balance and status with the credit reporting agencies.
Product: Student loan

I lost my job and was unable to make payments on my loan. I requested forbearance and deferment many times. The lender would say it was approved but would start messaging about repayment right after the forbearance was approved, seeming like it was never done. Now they are pursuing litigation because of non repayment and have added multiple fees and penalties to my account. This company is not my original lender. They are also under current litigation for these practices but are still apparently able to garnish my income tax refund. I was also never notified of any court case or judgement allowing them to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1692 section C : ( 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 -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX  postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( 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 collector 's 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.
Product: Credit card or prepaid card

on XX/XX/2021 ( one ) purchased was made at XXXX XXXX XXXX # XXXX XXXX, Texas for {$56.00}, the CASH app card has two transactions for the same amount posted to account, ( 2nd ) was never made. XXXX XXXX is claiming only ( one ) payment/transaction. 

CASH app will not respond to email, no contact information available for a live person. 

My money was taken from card, and no refund has been issued back to card. 

XXXX XXXX XXXX and CASH app are the parties involved.
Product: Debt collection

This company stating they were American Express has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my XXXX XXXX XXXX  number and they told me that the " computer did it '' I told them to NEVER do this again explaining the XXXX it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not American Express but it is XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of XXXX which I do not need with my XXXX XXXX XXXX XXXX. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.
Product: Student loan

I agreed on a payment of {$50.00} a month. navient took out XXXX my interest went up when I could not pay did not care if I called saying I cant pay this month they will stillk take it out and made my bank acct overdraft.
Product: Credit card or prepaid card

XX/XX/ tried to get a reason why my account was closed after many failed attempts in the past.
Product: Checking or savings account

On Tuesday XX/XX/XXXX I was in negotiation with an individual about purchasing some football tickets. After agreeing on a price the individual asked me to pay them {$300.00} via XXXX which my bank, USAA, was a partner of. Once I sent the person the money they were supposed to send the tickets from their XXXX account. These tickets never arrived and I called USAA a few hours later to report the scam. The banker informed me that since I never received the tickets that I would be able to file a dispute with USAA to get my money back. They would investigate and as long as the seller could not prove that I received the tickets then I would get my money back. I filed a dispute with them and I even asked if it would be helpful to have me send them screenshots of the conversation. They said that it would and gave me instructions on how to upload those documents. I uploaded the documents and then I was instructed to call back in the morning to make sure that they would be attached to my case. I was also instructed to call back on Friday XX/XX/XXXX On the morning of Wednesday XX/XX/XXXX I chatted with a representative, XXXX, who said that my documents were received and that once my case was assigned to a rep, they would notify me of my case number. Four hours later I received an email from USAA that they had completed their investigation on the dispute and that they had denied the dispute. I immediately called USAA and spoke to another representative and explained what had happened. That representative also told me that I needed to file a dispute for me to retrieve my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information like wrong address and name that appear on my credit report. I sent all three credit bureaus a letter with my id and ss card of proof of in XXXX and XXXX letting them know this information on my credit report is wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

So back in XXXX, XXXX my business XXXX XXXX XXXX XXXX had a XXXX XXXX XXXX credit card with a business EIN number. My account was thrown into probate because XXXX XXXX XXXX somehow had my EIN associated with a deceased gentleman 's social security number. Took me till XXXX to fight this and get my account back in which I refused to pay the bill until it was removed from this gentleman 's probate. This in turn sent my account to collections but was paid off on XXXX and account was closed. So why is my business Equifax credit file showing a charge off? No one seems to be able to explain that. This has been preventing me from acquiring business loans.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the misleading practicesand failure to fulfill their advertised promises.
Product: Credit card or prepaid card

Amazon Credit Card via Synchrony Bank continues to reduce my credit line despite the fact, I pay my account timely and without issues. This continues to impede my credit score and su ggest my account is over the limit. It 's wrong to decrease my line of credit albeit, I 've paid my bills on time with this banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealijg with Capitial one and have been emailing capitial one ceo and talk to everyone at capitial one capitial one will not remove the innacurates from my credit report and they state they dont deletions period But from other people emailing the ceo and askong for deletions and updates they do it with no problem I was even told by capitial one they dont do deletion but this right here shows they do Capitial one is not beinf their word and holding to their standard they talk about
Product: Credit reporting or other personal consumer reports

My rights enacted by the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Privacy Act of 1974 are in violation by the unaffiliated 3rd parties this complaint is addressed to for negative and defamatory items which have been placed on my credit report. I have included attached documents highlighting these items. As per 15 United States Code 6802 ( b ) and ( c ), which are included within the Statutes At Large, I was never provided knowledge nor disclosure of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition, there are late payments being listed which were never verified and violated my rights per 15 United States Code 1666b. Both the credit furnisher and credit reporting agencies ( Experian, XXXX and XXXX ) are in violation of these Acts. The credit reporting agencies are unable to provide adequate verifiable proof which has also been attached within the document ( XXXX ) uploaded, providing the exact types of acceptable proof to be considered verified. Lack of this acceptable proof based on their claim means there is a lack of Corporate Compliance and is essentially a crime. If the proper steps to my Letters of Instruction are not rectified within 30 days and updated immediately with proof of the update, then I will exercise my rights to take legal actions whether by filing a claim through Arbitration, Smalls Claims and by filing a claim against their bonds and insurances. I will also put my local Consumer Affairs agency and my states Attorney General on notice. Lastly, since all parties are currently the acting Fiduciary agents over my entrusted interests and information, I will take this matter to Federal court to seek the highest claim of the Federal Reserve Act Section 29. I hope to get this matter resolved immediately and amicably.
Product: Mortgage

I have made all my payments on time through my bank. All my bank statements show the money being withdrawn from my account on time for each monthly payment. Mr. Cooper has lost two of my payments and has yet to fix their error even after my repeated attempts to resolve this problem. 

My account now shows over 60 days past due, plus hundreds of late fees. Because of their error my credit will be affected and I may not qualify for a refinance on my primary home.
Product: Money transfer, virtual currency, or money service

The Fair Debt Collection Practice Act and The Truth in Lending Act 1968 the There is abundant evidence of the use of abusive, deceptive and unfair practices. 15 US Code Section 1692 D harassment or abuse. ( 4 ) the advertisement for sale of any debt to coerce payment of the debt, And false and Misleading misrepresentation