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

My mortgage with XXXX XXXX XXXX was transferred to XXXX  XXXX  XXXX, and XXXX had the service on my mortgage since XXXX. I had many hard times with the payments on this mortgage, and I remember being up to 90-says late in XXXX and XXXX. Therefore, my late payments within the legal 84 month timeline qualifies me for the removal of this account. XXXX XXXX has even posted the account twice under two separate account numbers. The template to the FCRA is as follows : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

Accordingly, XXXX must give the credit bureaus the proper account payment history, and apply the rules of the subscriber agreement they agreed to with all pertinent credit reporting agencies. This account must be deleted immediately. It has been re-aged and must be deleted permanently. Thank you for your cooperating in this matter. 

XXXX XXXX
Product: Student loan

This was back a while but we never knew about this chance to be heard. Navient/Sallie Mae would not allow me to apply payments above the monthly amount due to higher interest loans and instead applied anything over and above the amount due to the loan with the lowest interest rate. They would not let me decide where my payment was going. On several occasions we had spoken to numerous reps to get information and we would just get the runaround and be passed to the next as if they didn't know what we were talking about. Their whole system was wishy washy and confusing and we know we were not the only ones who were confused from this company. We were extremely angry and it stressed us out. Our money owed would change unexpectedly.This finally stopped but had been going on for 5 years prior to this. 

On another note, Now we have finally paid off two private  loans. So, after doing so, now our Interest Rate went up. Not sure why this is either.
Product: Debt collection

In XX/XX/2020, Portfolio Recovery Associates, LLC filed a debt collection lawsuit against me in Texas. I reviewed the consent order from the CFPB against PRA and I believe they are in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt : including Filing Misleading Collection Affidavits and False or Unsubstantiated Representations about Owning a Debt. PRA 's petition deceptively lists several separate companies as a single original creditor by a series of " / '' which are undefined and appears to imply 3 different companies are a single corporate entity : " '' XXXX XXXX XXXX / XXXX XXXX / XXXX issued a credit account in the Defendant 's name ... '' When later in the petition it is stated in PRA 's affidavit that " XXXX XXXX XXXX  / XXXX '' was the original creditor. On XX/XX/2020, during the court hearing to dismiss this lawsuit for baseless causes of action, when I contested PRA 's claims they are owed a debt because they can not prove the chain of assignment from the original creditor to PRA, the PRA lawyer responded they did not have to abide by the Texas Rules of Evidence and they had an affidavit stating PRA was the rightful assignee of the debt. I believe this is also a violation of the FDCPA because it is deliberately attempting to collect a debt they have no intention of proving by chain of assignment. The judge permitted the unsubstantiated documents as evidence and ruled in favor of PRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/2018 XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/2018 XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX fl XXXX DOB : XX/XX/year> Last 4 of SSNXXXX DateXXXX  Bureau Name : Experian Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 168 te ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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-Experian ) 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 i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 681 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 without my written instructions. 


XXXX XXXX XXXX ALSO BROKE FEDERAL LAW BY DISCLOSING TO ME ANOTHER PERSON ACCOUNT INFORMATION AND ACCOUNT NUMBER. THIS COMPANY NEEDS TO BE SHUT DOWN IMMEDIATELY.
Product: Credit card or prepaid card

Around XXXX 2020XXXX Synchrony Financial Bank 's " Customer Service '' department suspended my XXXX XXXX XXXX XXXX XXXX for reasons withheld while making purchase attempts on XXXX. My address had changed from XXXX to XXXX, so presumably I was triggering some kind of algorithm in their Security & Fraud area. My complaint follows its demonstrable commitment to treating me like a criminal for their incompetent Fraud activities, their Customer Service 's deference to that area, and their Executive area 's refusal to engage in a meaningful conversation about their internal practices. To clarify, the CS department XXXX online in chat with " XXXX XXXX '' or " XXXX XXXX '' XXXX repeatedly deferred elsewhere for support even when XXXX claimed management status. XXXX XXXX " Senior Specialist, Corporate Consumer Relations XXXX # XXXX on behalf of XXXX XXXX XXXX office discarded my voice messages and emails to XXXX about its deliberate indifference to my use of the card. It's one thing to refuse to service a card through gross negiligence, but to confirm my accusations against XXXX, today Account XXXX " XXXX '' literally verified their plan is to ignore my requests for support and " close '' the account due to inactivity they caused through false allegations about my card 's use. XXXX had gone out of his way to force me to identify myself as " its '' customer, then withdrew any support as XXXX customer in order to skirt the issues presented. To be clear, he added their management would NOT close my account as counter-requested to his conduct and this crystallizes a very questionable banking practice. They have in effect ruled me out as having any voice in their operation on grounds that they can insinuate me as not deserving of listening to on false grounds that they themselves created. XXXX did not deny, as " XXXX '' did, that staff in-accountability was at issue here. He simply reiterated what XXXX XXXX inaction had implied the entire time. It can do whatever it wants including ignoring a bona fide customer 's request to close account on grounds that it fabricated entirely.It perpetuates its insidious conduct through saddling customer with lies such as XXXX XXXX and deliberate indifference at the executive level.This goes way beyond my ability to control. I resent the fact that on its this platform, paid staff in concert together volley me about using false inferences to steal my credit balance and act like that's just the way the cookie crumbled instead of their own crookedness. We aren't responsible, that's on them. " We're so sorry, '' their script continues, and they serve up a well rehearsed poison, " I completely understand, '' as if their falsehoods can not be discovered outside of our chats/calls made.
Product: Student loan

Navient is reporting my student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus and it was corrected and updated. on XXXX/XXXX/16 I reviewed my credit report and noticed Navient had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Navient has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!
Product: Money transfer, virtual currency, or money service

Paypal put my in 180 days limit transfers.Covid in our country and I whant use my money.My name XXXX.Surname XXXX.My email XXXX XXXX
Product: Credit reporting or other personal consumer reports

Somebody used my XXXX account to buy things. I found it same day and canceled it but they used a credit card for the transaction that does not match any of my accounts yet still used my name, business name and business and address as the billing address so it seems they were able to open a new card under my name. XXXX XXXX will not release the card 's information so I can track down the issuing bank and let them know its a fraud account. It may be a business credit account as they used my company name in the billing address. It does not show up on my persoanl credit report. I could not get the account information from equifax or XXXX credit reports either. They tell me I need to know the uissuing bank or full card account number which XXXX XXXX will not release the information for
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failure to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited {$210.00} into my Venmo account. However, the very next day, I was shocked to find that my account had been suspended. I immediately reached out to the customer service team for assistance, but they were not helpful at all. Despite my repeated attempts via chats, emails, and phone calls, I have not received any concrete answers. Venmo has been citing concerns about identity fraud but has refused to provide any information about what triggered the investigation. I find it baffling that providing specific information about my account could lead to identity fraud, considering that Venmo already has my social security number and a copy of my driver 's license. I am disappointed that Venmo has not been forthcoming with critical information and has put the onus on me to prompt them for it. A customer service representative informed me today that I needed to submit a readable copy of my driver 's license, which was not communicated to me earlier. To make matters worse, the customer service representative was rude and unprofessional. It is unacceptable that Venmo 's customer service representatives are not trained to prioritize the customer 's needs. I am currently struggling financially and unable to pay my bills due to the suspension of my account. Venmo needs to provide me with immediate assistance and a resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Debt collection

I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report that I contested with.
Product: Debt collection

On XX/XX/2019 this account was opened and reported to the credit bureaus for {$370.00}. This is not a debt I own and have not accounts with this collections agency.
Product: Checking or savings account

I have 1 item pending on my account that would have overdrafts my account. I fully expected this. 
But SunTrust charged 4 overdraft fees for items that processed overnight. None of the 4 items actually caused an overdraft. The only thing that would have caused it is the pending item. 

How can you charge for items that are not overdrafts costing XXXX each or XXXX total? 

As I'm sure most understand a pending transaction isn't a final transaction. The price could and will change, or completely go away. Or even a deposit could be made before the item even finalizes. 

I have screenshots proving the 4 transactions did not cause overdrafts like the fees that were charged. 

Fraudulent and misleading use of the overdraft system..
Product: Debt collection

Good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my XX/XX/XXXXhealth and it's also been days I've been having sleepless nights.
Product: Credit card

Subject - Amex not honoring the {$0.00} intro fee for first year written on their website when I applied for their blue cash preferred credit card. 

I applied for Amex personal credit Card XXXX XXXX XXXX XXXX  ) through my corporate Credit card Account benefits page on XX/XX/XXXX. Here are the steps I followed XXXX. I logged into my corporate card Account XXXX. Clicked on Benefits and selected " Personal Card Annual Credit '' XXXX. I reviewed different cards. 
XXXX. Checked Rates and fee on Blue Cash Preferred card and saw the note " {$0.00} intro annual fee for the first year, then {$95.00} '' beside Annual Membership Fee XXXX. Then clicked on " Get Started '' and completed the application for XXXX XXXX XXXX  Personal card. 

Website Link of the rates and fee page I am referring : XXXX XXXX XXXX XXXX  FeeTable After the First month, I was charged {$95.00} annual fee on XX/XX/XXXX. 
I reached out to Customer Service about the discrepancy but I was told that they don't see such offer. 

On XX/XX/XXXX, I chatted with customer service and provided the exact Amex Website Page and the exact text I am referring. But, the customer service are saying that they have checked my application process and they don't see the offer. 
They are not able to answer why the website says " {$0.00} intro annual fee for the first year, then {$95.00} '' if they don't have any such offer.
Product: Credit card

On Friday XX/XX/XXXX I made a payment of {$670.00} to my USAA credit card XXXX XXXX XXXX. The bank put the funds on hold and did not credit my account. As a result my credit card was declined several times, and the bank refused to credit my account with my payment.