23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have accounts that are inaccurate on my consumer report that are to be deleted for violating the FCRA. THEY ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUTS DATES AND THE PAYMENT HISTORY IS DIFFERENT BETWEEN XXXX, EXPERIAN, XXXX. DELETE THESE ACCOUNTS IMMEDIATELY. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS I HAVE LISTED ARE REPORTING DIFFERENT DATES IN THE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES BETWEEN XXXX, EXPERIAN, AND XXXX. UPDATE THESE ACCOUNT IN THE PAYMENT HISTORY FOR EACH MONTH TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( AS A REMINDER, EXPERIAN JUST GOT SUED FOR VIOLATING THE FCRA IN NOT HONORING WHAT PEOPLE HAVE REQUESTED IN THEIR DIPSUTES. THE CFPB STARTED A LAWSUIT ON XX/XX/year> AGAINST THIS COMPANY FOR SHAM INVESTIGATIONS. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmed earlier this week that up to 143 million customer records were breached in a hack that began in mid-XXXX and continued through XXXX of this year. That means sensitive personal information of nearly half of the citizens of the United States could be in the wrong hands. 

Compromised data reportedly included names, birth dates, social security numbers, driver license numbers and physical addresses. The intrusion was discovered on XXXX XXXX ; however, the full impact of the breach is still to be determined.
Product: Payday loan, title loan, or personal loan

Hey alot harrassment phone call by a a person name XXXX XXXX and his number is XXXX. And also alot of harrassment email from XXXX XXXX
Product: Mortgage

Complaint about Central Mortgage Funding , LLC based out of XXXX MI. Other following trade names : Central Mortgage Funding ; Central Mortgage Funding XXXX XXXX LLC ; XXXX XXXX XXXX. XXXX XXXX This company has been repeatedly calling me over the past 45-60 days after I have asked them multiple times to take me off their call list. At the beginning of the calls before I make my request I ask if the call is being recorded and some employees say 'yes ' and others say 'no '. 

One instance they called me 3 times over a two and a half hour span and every time I asked to be taken off the call list. 

The most recent call today XX/XX/ I was able to get the supervisor on the phone by the name of XXXX who claimed this was their first time calling. This was a false statement by the supervisor as they've called close to 30 - 50 times. 

I work a job that requires me to answer the phone all day with clients. This company is personally affecting my work production and my income by harassing me. 

This company is a disgrace to mortgage companies that seems to collect business by harassing consumers into working with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened an auto loan account. Been making the payments timely and the balance has went down. The company has never reported the accurate balance since opening the account. I advised of this, dispute with the Credit Reporting Agency XXXX, and it still has not been updated. Spoke with representatives from the company, and still not being accurately reported.
Product: Credit card

Best Buy Credit card issued by Citibank uses deceptive methods to overcharge consumer on fees and interest. I pay my balances in full every month to avoid paying any interest. However, this company uses their own payment allocation method even though I have called them several times and requested my payments made need to be applied to certain balances. Here is how it started with my XX/XX/XXXX statement : They sent me XXXX percent interest promotional checks. XXXX checks were attached at the bottom of the letter they sent out. Without paying attention to the print on the side of the check I used the bottom check because it is the first XXXX to get to. I wrote the check for {$4000.00} on XX/XX/XXXX. I knew about the {$200.00} transaction fee. Within couple of days I found out the bottom check I tore out was not XXXX percent and in fact it was 4.99 % interest. I was furious as to why they would mislead the consumer this way by making the easiest check to get to a difference promotion and I had to cut out and discard that check in order to get to the XXXX percent check. A copy of this promotional material is attached for your reference. As you can see on my statement I paid the {$4000.00} plus their {$200.00} fee off on XX/XX/XXXX only 6 days after I used the check. I spent over an hour on the phone telling them this is unfair and I should not be paying any fees or interest for their deceptive method of confusing the consumer, they did not care. I had clearly stated the amount of {$4200.00} is to be applied to the money I borrowed and the {$200.00} fee on it. In addition I had made another payment of {$500.00} on XX/XX/XXXX to be applied to the other charges for the same period statement. They took it on themselves to only apply the {$4000.00} to the promotional transfer and {$700.00} to the other sections even though these XXXX payments were made over XXXX weeks apart on purpose! 

In the month of XXXX I called them again to find out the amount I need to pay to not incur any interest and I made a {$1400.00} payment to cover XXXX highlighted charges of current charges, a balance transfer that needed to be paid off this period and the {$200.00} fee which was carried over from the balance transfer which was supposed to be paid the month before. 

On my XXXX statement as you can see they still did not zero out the balance transfer that was supposed to be paid off in XXXX and I had sent in adequate funds to cover it! 

On my XXXX statement they are charging me {$16.00} interest on my current charges when they had been paid off in full! 

This practice is so confusing and I had even taken additional step by calling them on the phone and verifying amounts prior to paying it and every time they took advantage and still applied the payments the way the see fit.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy.

15 U S C 1681 section 604 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: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to report unauthorized hard inquiries on my credit report that I believe are the result of identity theft. These inquiries were made without my consent, and I am concerned about potential misuse of my personal information. 

Below are the details of the fraudulent hard inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 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 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, credit repair services, or other personal consumer reports

Google is working with developers of online games which are supposed to be free to play games to force players into giving personal financial information to gamble money to play these games. Google ignores complaints by consumers concerning bogus offers by game developers and even goes hand in hand with developers to force players to pay real money to continue to play. This should be looked into by sending employees into the play for free games which have turned into pay to play games. There are examples of being locked out of games until the player pays real money. Only bank and personal financial accounts are acceptable to play and personal bank information is expected. Copies of this will be edited and forwarded to proper organizations and authorities. 
XXXX XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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, credit repair services, or other personal consumer reports

The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Experian nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Experian continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent cfpb lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, Equifax lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.
Product: Credit reporting or other personal consumer reports

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Money transfer, virtual currency, or money service

PayPal and venmo ( Respondent ) has violated Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) ; the Privacy of Consumer Financial Information ( Privacy Rule ), 16 C.F.R. Part 313, recodified at 12 C.F.R. Part 1016 ( Reg. P ), and issued pursuant to the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801-6803 ; and the Standards for Safeguarding Customer Information Rule ( Safeguards Rule ), 16 C.F.R. Part 314, issued pursuant to Sections 501 ( b ) and 505 ( b ) ( 2 ) of the GLB Act, 15 U.S.C. 6801 ( b ), 6805 ( b ) ( 2 ) ; and it appearing to the Commission that this proceeding is in the public interest, alleges : 1. Respondent PayPal , Inc. is a Delaware corporation with its principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
2. Respondent operates Venmo, a payment and social networking application and website that allows consumers to make peer-to-peer payments and to share information regarding such payments through a social network feed.

3. The acts and practices of Respondent alleged in this complaint have been in or affecting commerce, as commerce is defined in Section 4 of the FTC Act.

VENMOS BUSINESS PRACTICES Background on the Venmo Peer-to-Peer Payment System 4. Venmo has offered its peer-to-peer payment service to consumers since XXXX. 
The service was previously provided by a Delaware corporation of the same name, and, since an acquisition in XXXX, has been provided by Respondent operating as Venmo. 
5. Consumers can download the Venmo application ( the app ) onto their mobile devices and use Venmo through its website, Venmo.com. Consumers create a Venmo account to which they may connect external bank accounts, debit cards, or credit cards. Sunday XX/XX/XXXX $ and at least 20 more transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I wanted to buy a drone. I found a guy on XXXX XXXX and instead of buying the drone on there we agreed to go on XXXX. I sent him {$570.00} under the protection and then the money said it was not sent. It said money was not charged because his account was new but the money eventually was given to him and I never received money. XX/XX/XXXX is when the money was posted. XXXX didnt do anything about the issue. I recovered the money back from BMO and we agreed to go on XXXX. I made two payments. One for {$300.00} and the other for {$250.00}. He sent me fake XXXX information and never sent the drone. I lost {$550.00} from the XXXX deal. BMO gave me {$570.00} but today I look and they declined the dispute for that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put several lates on my account. I had automatic payments scheduled. They are such a large company. I called several times and they said that they would update my account and apologized for the late reporting and they would correct. Now its been several weeks and no respose not even a letter to update. I contacted the credit bureau and they never even sent us a letter with the status its been over 3 months, I need help with this. I pay over 2500 a  month at XXXX XXXX. They are amazing with service and I feel that they overlooked my requests. I have auto matic payments please help to update my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX ; Unknown : XXXX
Product: Student loan

My student loan account has over XXXX dollars of accrued interest across several loans. This interest accrued while I was enrolled in graduate school, and the student loan pause started while I was still enrolled. There is no reason except for error that this interest should be on my account. 

I called aidvantage and was told a message had been sent with my issue and I have heard nothing back. I have since called nearly every day and have not been able to talk to a representative about my issue. 

Additionally, I submitted my application for the XXXX payment plan, and have not heard anything about it being accepted nor updates. all required documents were submitted.
Product: Debt collection

Called and left voicemail confirming call was for a debt on voicemail. I returned call, XXXX stated the debt was for XXXX medical bills, did not confirm who I was. When I mentioned an attorney, she said she would note the account that they do not have the information and hung up on me. I called and asked for a supervisor, whom also would not take my attorney 's information and hung up on me. Was very rude, interrupting me, claiming I filed bankruptcy in XX/XX/2015, which I never ever have, threatened me, used abusive language, very unprofessional harassment. Filing this complaint and sending formal DO NOT CONTACT me letter, with my attorney 's information included.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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.