23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a complaint previously against Pentagon Federal Credit Union, Case # XXXX, which resulted in a response from XXXX stating that Pentagon Federal Credit Union would reduce the interest in the amount of {$540.00} for 2016. This was in response to my complaint of extra payments not applied toward principal as per my request. I believe that the {$540.00} should have gone into principal and not in a reduction of XXXX XX/XX/XXXX, I received a letter stating that a new escrow analysis revealed a shortage of {$520.00} over 12 months which I paid in order to keep my payment at XXXX. XXXX is not applying payments correctly online as per customer request. I have to call to have them correct it on a consistent basis. I made my XX/XX/XXXX payment {$10.00} over the XXXX XXXX {$950.00} XXXX payment as per XXXX on the letter dated XX/XX/2016. The {$10.00} was not applied toward principal. This is after flagging my account to service it correctly.
Product: Payday loan, title loan, personal loan, or advance loan

POOR COMMUNICATION & ISSUES WITH INTEREST RATE We utilized Goodleap 's offer for 12 months interest free to install XXXX XXXX. We were advised and received emails advising our initial payment was due XX/XX/XXXX to avoid interest fees. Called today [ XX/XX/XXXX ], we're being advised the interest [ 15.49 % ] has already been added on XX/XX/XXXX. 

Having known a different due date, we would have made payment prior to or gone with our own HELOC which has a better interest rate. Why wait 2 week to add ~ {$2000.00} to an already expensive system. We realize the date of signature XX/XX/XXXX but was advised our first payment was due XX/XX/XXXX to avoid the first year interest. 

Frustrated with being bounced to various individuals to discuss. Documentation signed was via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX, XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

I ( Consumer ) have disputed validity of debt via all three ( 3 ) credit bureaus without resolution. 

On XX/XX/XXXX, I dialed ( XXXX ) XXXX at XXXX XXXX, on a recorded line, to request Cavalry Portfolio Services , LLC ( Debt Buyer ) prove : 1 ) prove how much I owe via full accounting details, 2 ) that I owe the alleged debt via signed credit agreement between Consumer and original creditor ( XXXX  XXXX ), and 3 ) that it actually has the right to collect on the alleged debt via signed purchase agreement or contract between original creditor and Debt Buyer. Alternatively, in violation of FDCPA, I requested all negative/false tradelines associated with this account be removed from all 3 credit bureaus. 

On XX/XX/XXXX, I received correspondence from Debt Buyer whereby they failed to provide : 1 ) full accounting details totaling alleged amount owed ( Exhibit 1 ), 2 ) signed credit card agreement between me, the consumer, and alleged original creditor ( Exhibit 2 ). Most disturbing, they provide what appears to be a robo-signed or " false affidavit '' regarding the alleged debt ( Exhibit 3 ) that lists alleged DATE OF PURCHASE ( XX/XX/XXXX ) the PRE-DATES alleged Charge Off ( XX/XX/XXXX ). 

The FDCPA prevents any debt collector from collecting amounts that they are not expressly authorized to collect under contract, and it also prevents debt collectors like Cavalry Portfolio from using deceptive, false, or misleading representations in the course of  collecting a debt.
Product: Credit card

COMENITY CAPITAL BANK is reporting information on my credit report and i never had a account with them nor did i give the permission to put anything on my credit report. please delete from all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors.
Product: Mortgage

I applied for a conventional mortgage with Third Federal Savings and Loan. My application was denied. My loan officer was XXXX XXXX ( NMLS XXXX ) who called me to share this information with me and said the reason was because of a settlement that I made on a 2nd mortgage I did back in XX/XX/2013. When I asked XXXX if there was a time frame until I can reapply again she told me " Probably never again ''. I asked her to please send me a formal denial letter from management and one was never sent to me in writing.
Product: Checking or savings account

I made XXXX deposits to XXXX XXXX. XXXX deport for {$9300.00} on was initiated through XXXX on XX/XX/XXXX and hit the account on XX/XX/XXXX. A XXXX for {$9000.00} was initiated on XX/XX/XXXX hit the account on XX/XX/XXXX. On XX/XX/XXXX, both of these deposits are on hold. It is highly inappropriate that after a transfer initiated on XX/XX/XXXX is not available on XX/XX/XXXX. 

The bank indicates that there is a special policy for the first XXXX days of the account which allows them to hold funds for up to XXXX days. This is not disclosed in their funds availability disclosure or their account product disclosure. The only thing the bank cites to support their behavior is a FAQ on the website. That is not appropriate communication as it communicates different information than the content of the official disclosures. 

FUNDS AVAILABILITY DISCLOSURE : XXXX XXXX XXXXXXXX SAVINGS PLUS DISCLOSURE : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX, and I am disputing adverse credit information that was incurred as a result of my trafficking situation. Under the Debt Bondage Repair Act ( Public Law 117-159, Division W ), I have the right to have this information removed from my credit report. I have submitted a formal dispute to the credit bureaus ( [ list bureaus, e.g., XXXX, XXXX, TransUnion ] ) but have not received an appropriate resolution. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were created or used without my consent under duress while I was under the control of traffickers. I am requesting the CFPBs assistance to ensure these items are removed promptly. I have attached supporting documentation, including proof of my initial dispute letter sent to the credit bureaus
Product: Credit card

This account has been paid in full but is not being reported to the credit bureaus as paid in full. XXXX XXXX has been updated. But this account is not being reported. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.
Product: Credit card or prepaid card

I have received multiple unsolicited offers and unsubscribed numerous times. Today I received another offer from them and when I clicked on the link to unsubscribe AGAIN, it takes me to a credit card application page and NOWHERE on that page or any other links on that page does it give me the option to unsubscribe. Their offer looks like its at 35 % interest and subscribes you to other services as well, none of which I am interested in and none of which are typical for any other credit card. I used to be a banker with XXXX XXXX  and these tactics are not only grossly misleading, they are grotesque.
Product: Checking or savings account

On XX/XX/XXXX made a deposit on Bank of America ATM in XXXX for {$300.00} the ATM had a glitch and was unable to accept the deposit or return the deposit The ATM had a message saying there is a problem with this ATM and asked for me to enter the deposited amount which I did, 2 weeks later Bank of America took the money from my account and are saying they're unable to file a claim on this issue since it's a branch problem refused to help or even give me any information or options on how to attempt to get my money back
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Equifax, alleging systemic issues such as, failing to forward consumer-provided evidence to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective action to remove or amend the dispute accounts, as Equifax inaction violates federal law and my right as a consumer.
Product: Money transfer, virtual currency, or money service

I've used Paypal for many years. I set up a secondary account a year ago that I've been unable to access because they claim they will only send the code to my phone. Ironically, they've now locked me out of my primary account ( with thousands of dollars in transactions ) and claim they will only send an email. I no longer have access to the old email, so I called and they refuse to take my call, having their automated system hang up on me immediately, 4 different times This account should still had funds, has my credit card information and debit card information and has transaction histories I need for tax reporting. I expect a response. I'm not able to delete all my personal information or access it for reporting, they've completely scammed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an charge off account with XXXX XXXX XXXX, I paid that account in full and as a courtesy they agreed to delete the tradeline from my credit report. XXXX, XXXX deleted the account from my credit report but Equifax still reporting the account even though XXXX XXXX XXXX  ask them to deleted from my credit report. Please remove this account from my credit report, here is the letter XXXX XXXX XXXX   gave me asking you guys to stop reporting that account.
Product: Debt collection

fraudulent attempt to collect a debt I do not owe. I notified the company this was a result of identity theft, filed report with the FTC and also filed a police report. MDS has blatantly ignored my requests and is illegally attempting to collect a debt that I do not owe.
Product: Debt collection

THIS COMPANY HAS CONTINUED TO CALL MY CELL PHONE AND WORK PHONE DURING WORK HOURS. I HAD NO INFORMATION CONCNERING THE MEDICAL BILL. I HAVE ASKED THEM MULTIPLE TIME TO STOP CALLING AND THEY REFUSE. I ASKED TO CEASE AND DESIST AND THEY REFUSE. I INFORMED THEM TO REMOVE THIS ITEM FROM MY CREDIT REPORT BECAUSE THEY ARE A XXXX PARTY AGENT COLLECTING A MEDICAL BILL WHEN I HAVE PAID THE XXXX  DIRECT.
Product: Credit reporting or other personal consumer reports

This account is settled and closed. I have enclosed the 1099C along with other forms that have to do with the discharge and this needs to reflect and be removed from all three Credit agencies. Not only is the information incorrect from one credit report and agency to the other, I am given each one of these credit agencies 10 days to remove this before I file for a lawsuit for damages again I have enclosed the paperwork that they will need. Thank you XXXX executor
Product: Credit reporting or other personal consumer reports

I am requesting the removal of an inaccurate/incomplete bankruptcy record on my credit file ( Attached ). Additionally I am requesting the removal of accounts being reported as Included in XXXX which is inaccurate. I have been unable to file a direct dispute with the data furnisher because Experian refuses to provide this information. According to the bankruptcy record, US BKPT XXXX is the alleged court of filing, however on previous disputes Experian admitted that the courts DOES NOT report to them, and that they use information provided by a data vendor whom they refuse to reveal, this prohibiting me from conducting a complete dispute. In my most recent complaint ( attached ) I requested the data vendors information and Experian has failed to disclose it. On XX/XX/23, Experian opened a reinvestigation only to update my middle name and they closed the investigation the exact same day, please see attached evidence. There is absolutely no way Experian completed a thorough investigation within hours. Experian has violated the 15 USC 1681g ( a ) ( 2 ) which states consumer reporting agencies must clearly disclose the source of information to the consumer ; as per case XXXX v Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.
Product: Credit card

On XX/XX/XXXX, I received an email that stated that I was over my limit. I knew that I hadn't charged anything. I looked at my statement and noticed that it said XXXX. I stated I haven't purchased anything where is this charge coming from. I did not authorize this. They did not have any authoraztion to charge my card. I tried reaching out to XXXX. They only had a chat box. The chat box never connected me to a live agent after I stated my issue. 

After this I reached out to American Express. I do value my relationship with American Express but do not like the way they handled the process. It doesn't seem like they investigated nor asked questions. They just closed the case and sent me an email with a receipt.
Product: Money transfer, virtual currency, or money service

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 seek appropriate redress for these violations.
Product: Checking or savings account

I just feel like any overdraft fee I incurred shouldnt been an overdraft because the bank know I dont have the phones so why let it charge?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the accounts to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a debt collector on XX/XX/2022 by phone, and they were demanding I pay a debt for a bill from a previous apartment I lived at of {$410.00}. I told them I payed the debt and I had the receipts. I asked for a email to send the receipts to. They declined and continued to demand I pay the debt. I got in contact with the manager at the previous apartment I lived at and they submitted all the required information to the collector to say my debt was paid on XX/XX/2022. The apartment manager sent a email to them a second time after I received the call from collections in XXXX. My bank notified me that my debt was reported as delinquent or on non payment status on XX/XX/2022. I paid and I do not understand why it is hitting my credit now when the previous apartment said not to worry they would take care of it because I already paid the bill. This is adding insult to injury because I didn't think what the apartment charged me for was fair in the first place. I payed it off because I didn't want to deal with it. Please advise I don't know what to do. I have filed the complaint here and disputed the credit report through transunion. I have not reached out to the collection company since they called me demanding I pay and didn't seem interested in seeing the receipts I had.
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 Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX The inaccurate reporting of these accounts have violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.