23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX  XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Credit reporting or other personal consumer reports

ABSOLUTE RESOLUTIONS INVESTMENT A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX XXXX. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit card

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Debt collection

On XX/XX/20XXXX XXXX XXXX XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Inquires XXXX XXXX, XX/XX/XXXXXXXX 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 Pursuant to 15 USC 1681 ( a ) ( 3 ) your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. You have failed at your initial investigation of this information and assumed a role and assumed this information was valid which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) you did not ensure this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You chose to only get XXXX side of the story and because of your actions my privacy has been breached and this is a violation of my RIGHT TO PRIVACY.
Product: Debt collection

Portfolio recovery account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and XXXX XXXX. Portfolio recovery is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with portfolio recovery or ever had one with XXXX XXXX. But if I did have an account with XXXX XXXX  not saying I do I never gave them permission to sale the debt to portfolio recovery. Portfolio recovery have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.please delete account immediately.
Product: Vehicle loan or lease

I bought a in XXXX of 2022 after XXXX XXXX. I have been making payments for a year now. I did fall behind at one point due to being sick but always made sure to come up with the money so it wouldn't get repossessed. I have been noticing something funny going on with my account for the last XXXX months. Not only was I informed I had money accumulating on my account that was not being applied to either the interest or principaled balance but Santander has been trying to charge me for late fees that I have paid XXXX other times. My car payment is already astronomically high. My credit was fair but now it has taken a hit due to them not consistently reporting I have been making payments. I was told the reason I was placed in such a high interesting yielding loan is because of my credit score but I just discovered that is NOT true after seeing on the news that they were being sued for doing the same thing they are doing to me now to several other people. They claim to have filed several internal reports regarding the suspicious activity on my account. I have even been hit with an overdue payment of XXXX some despite paying my normal car payment. All they do is give me the run around. Put me on hold but nothing ever gets fixed. When I questioned why my overall car loan balance has only gone down a little over a XXXX bucks they claimed it was my fault and said something about not making payments. When I confronted them and said I have consistently made payments including payments that randomly pop up on my account that you guys claim I owed even though I had already paid my car payment for that month. Then whenever I stated that they claimed they would file an internal report but nothing ever gets fixed. Meanwhile my debt on my car loan keeps climbing and my credit score has dropped significantly because of them and what ever it is they are doing to my account. Whenever I said what they are doing is a red flag they put me on hold for hours on end hoping I will hang up. In the past I have hung up but recently much to their dismay I have stayed on the line only to get the run around again! Recently they have been trying to make me pay the same exact late fees for the past 4 months when I told them I was not paying the late fees in the amount of XXXX a XXXX month this past XXXX and asked how much my payment was for XXXX they said they filed ANOTHER " internal report '' to " fix it '' and that my car payment for the month of XXXX was {$160.00} since I had almost XXXX just sitting there not doing anything but accumulating. My account STILL reflects that I " owe '' so called late fees in the amount of XXXX despite paying them! I would be here all day supplying all the photos so I will just supply the latest odd activity occurring with my loan!
Product: Mortgage

My loan was originated by XXXX XXXX XX/XX/21 with the first payment due XX/XX/21. I made the first principal and interest payment of {$1000.00} by check directly to XXXX and the check cleared XX/XX/21. 
XXXX then transferred the loan to Shellpoint and I made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. I then made the payment due XX/XX/21 directly to Shellpoint on XX/XX/21. 
Shellpoint then claimed that a payment of {$1300.00} made to XXXX prior to the loan transfer was rejected by my bank and they reversed the payment that I made to Shellpoint on XX/XX/21 for XXXX Note there was no payment of {$1300.00} made to XXXX that was applied to my account so they reversed the payment that I made to Shellpoint. 
I have submitted documentation that all payments due XXXX, XXXX and XXXX cleared my bank but Shellpoint refuses to correct the error and they have provided no documentation that a payment was rejected by my bank. Their explanation is simply that XXXX informed them that the bank rejected my payment.
Product: Credit card

Macy 's is charging me a {$2.00} " Minimum Interest Charge '' fee on a XXXX balance credit card account. They charged me the {$2.00} fee on XX/XX/XXXX and when I notified them in writing, the customer service agent advised I had a XXXX balance. Now the account shows as 30 days past due and they charged another {$2.00} fee on XX/XX/XXXX while the balance was still XXXX except for the {$2.00} fee from XX/XX/XXXX. I do not owe this and do not want this to negatively affect my credit rating.
Product: Credit reporting or other personal consumer reports

This account status is closed on XXXX and has been for a while. However, Experian and XXXX continues to report the account as open. Since the same data furnisher is used, these accounts are inaccurate. This inaccurate information is reporting and is hurting my ability to obtain credit. Experian and XXXX failed to investigate this account properly and their neglect has violated my rights. I am demanding a deletion of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX : {$480.00} XXXX  XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$480.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : UPGRADE INC XXXX UPGRADE is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( UPGRADE ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Therefore, I sent them a letter on XX/XX/2023 along with a copy of my drivers license and a copy of a utility bill to verify my identity. 

I provided them 10 calendar days to update my Payment history and or delete all late payments from the below account/s. They have not done so.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I went to the Bank of America location in XXXX XXXX ( XXXX ). I deposited {$5000.00} into the atm for my account ending in XXXX, I realized that I was depositing into the wrong account so I canceled the transaction and received my {$5000.00} back from the machine. I then tried depositing all {$5000.00} into my other account ending in XXXX. The atm only accepted {$4900.00} and returned {$50.00} to me. When I confirmed my deposit the machine jammed and gave me a slip to contact customer service. This happened on XX/XX/XXXX between XXXX to XXXX PST. 

I called customer service on XX/XX/XXXX and they said they would open a claim. They gave me a temporary credit of {$4900.00} in my account on XX/XX/XXXX. I received a letter from them recently which was dated XX/XX/XXXX, in which they said that they have concluded their investigation and will only be refunding {$1300.00} to me. They also stated that they will debit my account for the difference of {$3500.00}. They state that the {$1300.00} is meant to be the final and permanent refund and they will be closing the dispute. 

This is completely unacceptable. This was a mistake that was due to their atm machine and there is no reason why I should take a loss for it.
Product: Mortgage

Bank : BMO I have a loan for {$190000.00} at 7.99 % for 20 years, and my monthly payment is {$1600.00}. It is important to note that all my payments have been on time since I have never been charged a penalty. However, I do not have the exact dates because the bank does not provide receipts or account statements. 

For my first payment in XXXX of {$5000.00}, they applied {$1600.00} to the interest, and the rest went to the principal. How can my interest be equal to my monthly payment? If I had only made the minimum payment, nothing would have gone to the principal, correct? According to my amortization table, {$1300.00} should have been applied to interest, but they charged an extra {$330.00}. 
Then, I made a payment of {$25000.00} toward the principal. 

My second monthly payment in XXXX was also made on time. I paid {$5000.00}, and they took {$1300.00} for interest when it should have been {$1100.00} since I had paid {$28000.00} toward the principal by that date. Then I paid another {$25000.00} toward the principal. 

In total, I have made 2 monthly payments and an extra {$56000.00} towards the principal. 

My third monthly payment in XXXX, also on time, is the most outrageous. I paid {$20000.00} in two payments, one of {$5000.00}, from which they took {$960.00} for interest, and another of {$20000.00}, from which they applied {$840.00} to interest. This means that for XXXX, they charged {$1800.00} in interest, which is more than the interest charged in the first month. How is it possible that my interest increases every month when I am paying much more toward the principal? In amortization tables, the interest decreases as payments are made, and the more you pay, the lower the interest portion should be. But with this bank, they charge more interest each month.
Product: Student loan

I am filing this complaint regarding my student loans due to a potential violation of my rights and financial privacy. It has come to my attention that XXXX XXXX and his affiliates may have gained unauthorized access to federal student loan data, which could compromise my personal and financial information. Additionally, recent changes in loan servicing and federal oversight have led to confusion, lack of transparency, and potential mismanagement of my loans, causing financial hardship. 

Furthermore, I am currently unable to afford my student loan repayments due to financial strain. Despite my efforts to stay on top of my payments, the lack of clear assistance and changes in loan policies have made it increasingly difficult to manage my debt. I am requesting a thorough review of my loan situation, including eligibility for repayment adjustments, loan forgiveness, or other relief options that could help me avoid default. 

I also seek clarification on how my personal data has been used and demand corrective action if any violations have occurred.
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 Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in 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 lost and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocked, INC ) due to inadequate customer service and unfair practices, which violated the Consumers 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 resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX