23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call on XX/XX/2022 from XXXX from a woman who said she was from a debt collection agency. She told me that my checking account payment was not cleared by XXXX XXXX and that I owe {$32.00}. I asked her who she was and why she was calling me and that my account was perfectly fine. She hung up on me. I called the number right back and spoke to someone else. I asked who this company is and what do they have to do with XXXX XXXX. She said she couldn't disclose that and asked me for my phone number on my account. I don't have an account with this company. Immediatly I felt uncomfortable. I hung up. 

I then called XXXX XXXX  and reported that this happened. They checked my account and everything was cleared and everything was fine on their end. They asked about the debt collection agency and the person I spoke to had no idea who they were. They asked about the phone call and I gave them the number. Now I'm really freaked out. 

I called the number for the " collection agency '' back and asked to speak to their legal team. I asked them where they got my information and I told them I don't have an account with them. They said I do. I asked them to delete that account information. They said I had to do it in writing. I told them again to delete my information and that I will report them to the police. I asked for their address and they refused to give it to me 3 times. Finally, she said she would give me their XXXX XXXX XXXX in XXXX IL. 

They kept asking me for my personal information. I repeatedly said no. When I ask for their personal information they refuse to give it so why should I give them mine? The person I spoke to was XXXX, and she refused to give me her last name, even though she requested mine. I told her I want all information they have on me mailed. I again requested my information be deleted. She refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Experian ( consumer reporting agency ). This reporting agency ( Experian ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Experian ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. i ( consumer ) have provided my identity notarized to authorized this complaint. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX In accondance with the Fair Credt Reporting act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681.

Accounts name : Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED has violated my rights.

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, 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- ( ) 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 ( li ) 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. 








Delete these ADDRESSES Immediately from My report ADDRESSES REPORTED * 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 from my credit report, because of multiple violations of the fair credit reporting act.
Product: Mortgage

I refinanced my home mortgage and the existing loan with NewRez/Shellpoint Mortgage Servicing was paid off via wire transfer on XX/XX/2021 but is not being credited to my account until XX/XX/2021 per the NewRez representatives Ive spoken with. This has resulted in me having to pay interest for 3 days on not only a loan that was technically paid off but also on my new mortgage with XXXX XXXX XXXX XXXX. Per consumerfinance.gov mortgage payments must be promptly credited and applied to my account on the day the funds are received.
Product: Credit card

American Express sent a mailer offering to upgrade the XXXX American Express credit card that I have had since XXXX. In XXXX of XXXX, I called American Express and updated the card. A few days later, the new XXXX XXXX card arrived. I have had my payments set up on automatic payments each month. In XXXX they notified me that my payment was not made. I called American Express and made a payment. At no time did they say it was XXXX accounts. They applied both payments to the XXXX card in XXXX. In XXXX I called again because I had another letter. At this time they told me I was in default for the XXXX account. I explained what had happened and paid the gold card payment and a {$1000.00} payment on the XXXX card to get the payments up on the reserve card at their request. A week later they told me that both cards were suspended and sent me a letter saying I had to pay both accounts in full to be reactivated after telling me that the {$1000.00} payment would bring my accounts up to date. 

Today, I spoke to someone who explained everything I am a senior and was not told it was XXXX accounts until XXXX. I was put on a payment plan for XXXX accounts but was told that non-payment on XXXX account impacts all accounts but not payments. As a senior on a fixed income who relies on my good credit standing American Express misled me to open up a second account and has damaged my good credit ratings. I need urgent assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On Tuesday XX/XX/XXXX, I appeared in court on this matter and it has been set for trial for XX/XX/XXXX. This is almost a year from now and I do believe I have given XXXX   XXXX  plenty of time to provide me with the information I have requested to validate this debt they claim I owe. Not to mention if there intent was to ask for a continuance on this matter which would have only lengthened this issue even further. Since this matter has been set for trial, and they have yet to provide me with any other than billing statements, I should no longer have to carry the burden of this damaging information on my credit report. Unless they can show proof or provide me with anything else this should be removed immediately by the collector and if they fail to do so then the reporting agency should be notified and have action taken against them as well, I hope we can begin this process immediately.
Product: Vehicle loan or lease

XXXX XXXX called today to explain that still go to dealership and even if they dont work with them. Process is getting a buyers order and emailing it to them. Would be funded within XXXX to XXXX business days. 

My bank is showing me a credit score of XXXX. XXXX XXXX is saying the soft pull they have is XXXX Also telling me they have not formally approved my loan in spite of email implying otherwise ( see complaint yesterday )
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 procest 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 XXXX XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

DEAR CFPB REPRESENTATIVE collection : i am writing to file a formal complaint against XXXX for violating my rights under various federal law and regulations. specifically, I believe the agency has fail to comply with follow provision. Agency not yet provided validation information under 12cfr 1006.34 ( B ) ( 5 ), but yet they placed a collection on my consumer report, i have not yet been given a chance to dispute account according to 12CFR 1006.34 ( c ) ( 4 ) collection agency is violating my consumer rights by using false misleading and misrepresentation and deceptive means. collection agency has no authority to furnish any account to a consumer reporting agency without providing any all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( D ) and 15usc 1681 s & 15 USC 1681 A & 15 USC 1681E ( B )
Product: Debt collection

XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. XXXX # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted Porfolio on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax FICO score was lowered 12 points even though they say it is based on data they last collected in XX/XX/2018. Equifax claims I have a high credit utilization rate, however an audit conducted by XXXX says that rate is 27 % which is below what they consider high ( over 30 % ) Since XX/XX/2018 they have not checked on this but they refuse to update their data instead lowered my FICO score based on this outdated data. They refuse changing the record nor investigating my complaint and this will increase the interest rate I can get from lenders. The representative I talked to in the phone said that they dont investigate themselves. Can you investigate them?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Consumer Loan

On XXXX/XXXX/16, Nissan Finance called my home 13 times from an unidentified phone number. They did not leave any voicemails. At XXXX on XXXX/XXXX/16, I received another call from this phone number. My XXXX XXXX XXXX daughter answered the phone. The caller refused to tell her his name. He told her not to worry about and put her mother on the phone. When I got on the phone, he refused to tell me his name or the name of his company. He just kept demanding that I put XXXX XXXX ( me ) on the phone. He was n't even sure of the correct spelling of my name. I had no idea who he was and there was no way that I was verifying any information to this man and that is exactly what I told him. He proceeded to yell and scream at me, so I hung up on him. He called me back 11 times. I refused to answer the phone. I then called the number back from a different phone only to find out that it was Nissan Finance. I went through the prompts to get to their billing department and the same man answered the phone. He verified that he was the man that just called my home. I told him under no circumstances was he to call my home again. Not only did he yell at me again, but this time he decided to threaten me as well. I hung up on him once again and blocked the phone number. All of this because my auto payment was overdue. The payment was issued first thing this morning. He would have known that had he talked to like a human being. This is not the first time I 've had problems with their billing department making harassing and threatening phone calls. They called and harassed me at work over a payment that was only 3 days late. I never gave them permission to contact me at work. This kind of behavior is absolutely unacceptable and something needs to be done.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX | XX/XX/2022 : Account number : N/A, This inquiry is unauthorized. Please DELETE!
Product: Mortgage

for 2 years i have attempted numerous times to fixed my mortgage and lower my payment. they have always said i did not have enough money to show affordability. now that i moved in a stranger into my home to generate extra money i am still being denied for excessive forbearance. i would n't have this problem if they would have modified me a very long time ago. now i am facing a sale date scheduled and i can not lose my home/
Product: Credit card or prepaid card

On XX/XX/18 I was charged a balance transfer fee of {$52.00}. When I signed up for the credit card, it said there would be no balance transfer fees. I'd like the {$52.00} credited back to my US bank account. I emailed and called and they all said no. Please help. It is a us bank platinum credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX  and after reviewing my credit reports provided by the XXXX, Equifax and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per XXXX  report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, XXXX reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own such account, this is very traumatizing. Please remove these unknown accounts
Product: Checking or savings account

I have a bank account with chime and I received a refund from the merchant XXXX  and never received it back in my account I disputed the amount more then a month ago a chime still have not credited my account I I received an email from XXXX as well as I reached out to them and was told over the phone that I received a email. They also sent me a direct message saying that a refund was definitely processed and the money is no longer with XXXX it was sent to the bank
Product: Credit reporting or other personal consumer reports

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, XXXX, XXXX, XXXX, along with EQUIFAX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, XXXX, XXXX as well as Equifax, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately
Product: Credit card

XXXX XXXX provided a merchant offer with 8 % back for purchases made at XXXX. I enrolled the offer and made a purchase of {$760.00} on XX/XX/year>. However, I haven't received the cashback as stated in the offer, and surprisingly found out that Citi bank changed the offer to 1.5 % back. I reached out to the customer service and escalated to supervisor level to resolve the issue, both agents insisted the offer is 1.5 % back and refused to acknowledged it was 8 % when I enrolled the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting the XXXX bureaus, by wanting to despite the incorrect information thats been taunting me whole life. Such as address that are not suppose to be there, at this point I dont know what next step there is that I need to take.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX Runner Financial, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX 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.
Product: Credit reporting

I checked my credit on XXXX XXXX and due to incorrect information the folowing XXXX inquiries were removed from my credit report : XXXX XXXX XXXX XXXX XXXX I got another copy of my credit report on XXXX XXXX and to my surprise the above inquiries were placed back on my report without any notification from the Credit reporting agency, not even a reinsertion letter which is required by the FCRA. 

I have called Transunion many times to get no solution, i have even been laughed at by the Transunion customer service agents. When i ask for a supervisor they transfer me to another regular representative who is pretending to be a supervisor. 

It is very frustrating. Please help me..