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

In Accordance with the Fair Credit Reporting AcXXXX XXXX Account XXXX XXXX XXXX and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account BANK OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX XXXX XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX and account # s XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act Convergent Account, 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 an account with out my written consent. 

XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

My husband and I got a loan modification and signed the papers in XXXX. We signed them and returned them. Our trial payments started for XXXX XXXX. When the bill arrived for XXXX it 's said the balance due and then it said we were late and we owed double the payment. I sent the single payment and also sent a copy of the agreement showing the XXXX payment was due on XXXX XXXX. I then followed up by called the XXXX number and it said our payment was made and the next payment was due on XXXX XXXX. We then paid that payment on XXXX XXXX. I kept calling the XXXX number to check the status but it kept saying our payment was due XXXX XXXX but never changed even though they cashed out check. When I received the new bill for XXXX it showed our payment but now it is showing my applied as XXXX trial payment. I sent copies of our agreement with the payment schedule and the copy of the post office receipt because I sent it with tracking. The new bill for XXXX says we owe our full mortgage. We have paid our trial payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

NETSPEND CONTINUES TO LIE ABOUT NEEDING MORE TIME to answer my CFPB complaint. 

They promised to PAY me in XXXX. They paid PART of what they owed on closing my account BUT STILL OWE ME OVER {$1000.00}! 

When I complained YOU CLOSED THE COMPLAINT AS A DUPLICATE. 

IT IS NOT A DUPLICATE! 

I NEED MY MONEY! IT IS MY MONEY, NOT NETSPEND 's!
Product: Credit reporting or other personal consumer reports

re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is to request you to remove inaccurate information from my credit report. Such inaccurate information has affected my chances of getting loans and credit. For your convenience, I have supplied a list of inaccurate accounts below. 

I hereby request you to make the changes within 30 days so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report at the earliest. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a repossession on my credit report that I have been trying to dispute through XXXX and remove as its beyond the 7 years of its statute of limitations with New City Funding. The date the account was opened was XX/XX/XXXX for {$3000.00}. The vehicle was repossessed in XXXX for remaining balance of {$1600.00}. When I disputed in the past the reporting agency came back and said it was a verified debt until XX/XX/XXXX. I recently disputed it again as its beyond 7 years old and they still wont remove it. Please have them remove it. I feel I have paid the price with the harm its done to my credit score for the last 7 years and it is my right to have it removed.
Product: Checking or savings account

Deposit from employer never received into bank has been XXXX days and no answer from capital One!
Product: Checking or savings account

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, at which time had family contact and request my account be frozen. As I was released from jail I became aware that my account had not been frozen and had a total of XXXX unauthorized transactions occur while I had been incarcerated. I repeatedly called customer cervice requesting an investigation and would not hear anything from them until much later as they only sent a message to a " secure inbox '' in the app, a feature I had no familiarity with. Once I was aware iof this I reached out and followed the instructions provided to initiate a proper claim and dispute the XXXX unauthorized transactions. After waiting for their investigation to complete I was informed they had denied my claim, only to see within the denial letter that they had " investigated '' the wrong dates, almost an entire year later than the claim was addressing. I have made it abundantly clear that they erroneously processed the investigation for the wrong dates, their own correspondace recognizes and makes this clear, however they are claiming that the claim has been closed and refusing to reopen it and properly investiagte the dates for which I have claimed. the date sof my claim correspond with the dates of my incarceration, yet they have for some reason unbeknownst to me chosen to investigate dates from XX/XX/XXXX to XX/XX/XXXX, these dates are completely irrelevant to the claim and never have i made any such reference to them, yet they based their investigation on those dates erroneously and the call center has refused to help rectify the situation, causing a massive hardship on my family and I.
Product: Mortgage

I did a loan modification the bank never recorded it with the XXXX XXXX deeds office. I went through a divorce and the Judge wants to see this recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from the beginning has been communicating with a person other than myself, as seen in the attachment they sent me. Instead of communicating with the consumer/natural person, who is myself, they have been communicating with the organization having the shared name as me. This is a violation of 15 USC 1692c ( b ), for I, the consumer, never gave consent. It also is an infringement on my right to privacy as the consumer. 

XXXXk claimed that they honor my cease and desist but not my remedy? These are not separate, and the fact that they are attempting to separate them and think that I would not recognize it is laughable. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. Them honoring the cease and desist is direct proof that they are in the wrong. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. A bill of particulars is attached. An original writing, recording, and photograph are required in order to prove its content. We both know that bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor. I told XXXX to feel free to attempt to provide a verification proving where else the credit originated. I also told XXXX to provide me with the name and address of the original creditor.
Product: Checking or savings account

I was involved in my daughter 's job scam incident. She found out the she was being frauded and we filed a police report, she also filed reports with the FTC, SEC, FBI IC3 and AG FL. We then were directed to file disputes with the bank accounts involved. I tried filing with Wells Fargo on XX/XX/24. I was met with hostility and resistance. The agent said there was no way to file these transactions for a dispute. I hung up to call back and speak with someone else who told me the 2 disputes were filed previously. I received a letter in the mail dated XX/XX/24 stating that only 1 of the disputes were filed and it was denied. Wells Fargo knew I wanted to send in documents showing this and was told I would be contacted by the bank to send it in. There was no communication from Wells Fargo in this investigation. I called back on XX/XX/24 to appeal and was told I can not file an appeal. The supervisor, XXXX was extremely rude. She began reading definitions of fraud and scams and was being very demeaning. The second dispute was never filed, I was told that disputes with XXXX can not be filed with Wells Fargo, they are a separate company. I had to call back a second time and speak to someone else who finally filed the dispute for the XXXX transaction.
Product: Credit reporting or other personal consumer reports

I have requested several times from Equifax to remove the internal block, Security Freezes and Fraud statements from my credit report. I have sent mail and spoke to representatives over the phone. 


I spoke to them XX/XX/year> via phone and was advised to send a letter & 2 proofs of Identification to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX to remove the internal block. I sent letters in XXXX, XXXX & XXXX and the internal block ad freezes are still on my account which is keeping me from approvals when applying for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XX/XX/2021. They harassed us to pay this bill. We paid MRS BPO and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to XXXX  XXXX about this, they said they have nothing to do with it. Now XXXX XXXX is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from MRS BPO. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate XXXX XXXX AND MRS BPO for fraud
Product: Credit reporting or other personal consumer reports

I am disputing the unauthorized reinsertion of an account from XXXX XXXX XXXX ( XXXX ) on my credit report. This account had been previously deleted and was not present on my XXXX report. Over three months later, it was suddenly reinserted without any notice or proper validation, which violates the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) ( iii ), a credit bureau must notify the consumer within 5 business days of a reinsertion and provide specific details, including the furnishers contact information and my right to dispute it again. I received none of this. Additionally, no evidence of a reasonable reinvestigation has been provided as required by 15 USC 1681i ( a ) ( 1 ) ( A ). This account was reported without my authorization and already filed FTC Identity Theft Report for it. To make matters more concerning, XXXX has not reported or reinserted this account, which raises further questions about the accuracy and legitimacy of this reinsertion by the other bureau ( s ). The reinsertion without following proper legal procedure constitutes willful and/or negligent noncompliance under 15 USC 1681n and 1681o. I am requesting the immediate and permanent deletion of this account and a full explanation of how and why it was reinserted. If not resolved, I am prepared to take further legal action.
Product: Vehicle loan or lease

The car was a lemon from the time I drove it out the dealer lot there was nothing but problems with XXXX XXXX. Eventually the car engine gave out less than XXXX miles. Needed a new engine. Due to my health issues I don't have money to take care of a lemon car. The dealer sold me a lemon I never was that car but they told me the bank would only approve that car loan on that particular car due to low mileage.
Product: Credit card

I am disputing the collection account with XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account XXXX : XXXX that are reported on my credit file maintained by TransUnion XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Mortgage

PNC bank purchased the servicing of my mortgage. They started off by giving me the wrong account number and my payments were held in a suspense account. They knew they had received them but did not correct it until they told me I was past due. At this point they then said it was my obligation to tell them how to apply the payments no that 's why they left them in the suspense account rather than applying them to my account. Now I assume I am on some sort of deadbeat list because they call me at home telling me my current payment is past due on the 3rd of the month. I use bill pay to send my payments automatically on the 1st of each month. It is not past due until the 15th. Needless to say, this is not only annoying but also creates much stress when my wife receives the call. I have XXXX mortgages that I send on the first of the month but only PNC aggressively calls me on the XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted affidavits to XXXX disputing several accounts with inaccurate or unverifiable information. The affidavits are identified by the following numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally , I am disputing the late payments reported on the following open account, as they are inaccurate and unverifiable : XXXX XXXX : Account # XXXX Despite providing affidavits and supporting documentation, XXXX continues to report these accounts and late payments without substantiating their accuracy. Some accounts have already been removed by XXXX as unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), XXXX must conduct a reasonable reinvestigation of disputed items and remove or correct any information that can not be verified. The continued reporting of these accounts and late payments violates FCRA standards and creates inconsistencies among credit bureaus.
Product: Credit card or prepaid card

I received a replacement card from direct express. I've had their card for several years. I tried calling to activate it since I got it ( XX/XX/2021 ) at approximately XXXX XXXX. I was put on hold for hours. In fact I stayed awake all night trying to reach them. No answer. Now I'm very ill XXXX XXXX XXXX XXXX, and I need access to my money. So at XXXX XXXX  XXXX XX/XX/2021 XXXX. I called and now they just hang up on me. Repeatedly. If my health gets worse because I can't buy the food and medication that I need because they will not answer the phone to activate my card. My family will hold them accountable.
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. I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX ACCOUNT : XXXX, has violated my rights.

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

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

15 U.S.C 1666B : A creditor may not treat a payment on an account under an open end and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX  : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received correspondence from the Credence collection agency stating that I owed {$1200.00} for an account belonging to XXXX XXXX XXXX XXXX. However, I do not know this account, nor have I given anyone permission to use my information for anything.
Product: Credit card or prepaid card

I have filed with the comptroller of the currency. This company is in the dark ages. They have blocked access to my account because they have no clue what they are doing and can not even ID me when I am calling them. My new XXXX XXXX XXXX credit card is the product I have. I wish I never applied for the card. I have called and they have no clue how to ID over the phone and expect me to mail them driver license, Social security card and bank statements to prove who I am. No way to email them the documents scanned into pdf and no clue as how to access public domain questions to Id over the phone. I have never in my life had to mail in documents to any company. They are simply either complete morons or jacking me around. How to keep new customer they have no clue. I have a Barclays USA bank for the last 3 years or more on top of this. 

When I ask them if I just wanted to close my account instead of mailing the information they gave no way as to how. 

Complete XXXX!
Product: Credit reporting or other personal consumer reports

Hyundai Motor Finance is reporting an account ending in XXXX as a Charge Off. This account was opened as a Charge OfXXXX on XX/XX/2016. The Fair Credit Reporting Act requires companies to remove these type of derogatory items from credit reports after seven years. It is past seven years of reporting.