23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX lists an amount due of {$6500.00} XXXX XXXX highest balance ) as a Collection/Charge-Off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be not owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report.
Product: Debt collection

On XX/XX/2019, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that they intend to file a 1099-C form for a debt that I have disputed as being valid from 16 years ago. This is a violation of collection laws as my request to provide proof of debt with the former collection agency regarding this debt went on deaf ears. Additionally, this debt has lapsed all of the time limitations of my state and is not able to be collected legally. This law firm is infringing on my legal rights. In addition to filing a CFPB complaint, I will also be filing an IRS 1099 complaint against this law firm.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect foul play. I implore you to conduct a detailed investigation and promptly remove them from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I set up net credit to auto draft from my primary checking account every XXXX weeks on the day i get paid. this was so it would never be late or overdraft. in XXXX the company inadvertently withdrew payment from a business account i previously had with another loan with them. It of course over drafted. i contacted them and they corrected the problem. I asked for a supervisor to correct the report to the credit bureau, but they have to call back in three to five business days. Here again the company makes a mistake and i have my credit drop XXXX points. My constant disputes with XXXX XXXX is the same thing. They won't admit it was their fault. XXXXXXXX XXXX  was over 4 years ago, yet still affects my credit today.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}
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. Futhermore, 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: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, Equifax and XXXX all are resellers of my consumer report without my written permission XXXX, Equifax and XXXX have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A Equifax was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX XXXX Account XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX 
According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX XXXXXXXX Account XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit card or prepaid card

XX/XX/XXXX : Placed online purchase from XXXX XXXX XXXX, for wrench. Price - {$72.00} XX/XX/XXXX : Received Damaged and " Empty '' paper USPS shipping envelope. Contacted XXXXXXXX XXXX XXXX  and explained what happened. XXXX XXXX asked that I send pictures, which I did via Text message. XXXX XXXX acknowledged that envelope appeared damaged. XXXX also said that they would be filing a claim with the USPS. XXXX XXXX XXXX order # XXXX XX/XX/XXXX : Called Chase Bank to file charge dispute for missing merchandise. 
XX/XX/XXXX : Received request from Accounts Payable Branch of USPS, but the letter was dated XX/XX/XXXX. I called their department, and they admitted that the letters were going out late! The letter asked for the original shipping envelope, which I submitted to local USPS the next day, in XXXX XXXX, CO. The most important fact about this, the envelope had a Green USPS sticker on it. The " Attention Customer '' sticker had " Received Damaged '' and " Received without Contents '' checked! 
XX/XX/XXXX : Provided XXXX, at USPS, the damaged shipping envelope. 
XX/XX/XXXX : Received letter from Chase Bank, saying that they Denied my claim, and the Only reason given was that the Merchant shipped the wrench. They made absolutely No mention of the fact that the actual merchandise Never arrived! I appealed the decision. With the appeal, I provided a letter with everything that had happened, and a picture of the USPS envelope, with USPS Green sticker. 
XX/XX/XXXX : Received Denial of claim from USPS, stating " Per our conversation the claim was denied under the mailer 's account. They were sent a denial letter on XX/XX/XXXX and has not filed an appeal as of today. '' I don't doubt that Haus of Tools probably received their letter from the USPS Accounts Payable Branch over a month late, just like I did. XXXX, at the USPS in XXXX XXXX, said that he had several customers that complained about the same experience with late claims letters. 
XX/XX/XXXX : Received letter in regards to Chase Bank appeal, Again stating " the transactions are valid and will remain on your account balance. '' At this point, it's beyond belief that I am being forced to pay for something that I Never received, through Absolutely No Fault of my own! I feel that I have done everything that I should be required to do, and I should not be victimized twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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
Product: Money transfer, virtual currency, or money service

Fraudulent charges on my debit card, when I asked for a dispute to be raised, they denied the dispute within 25 minutes as to no error had occurred. This is unacceptable as I did not authorize the transactions
Product: Money transfer, virtual currency, or money service

My account was all of sudden closed on the basis of alleged fraud or any other enumerated violations of terms of service without any tangible proof or evidence to support their claim. Several efforts to obtain specific information of my alleged infraction/s have been and exercise in futility. They claim that it is within their prerogative to suspend or remove an individual who violates their policy. However, without due process and due diligence, this ill-advised decision to truncate my usage of the platform is tantamount to a violation of my own civil rights. I look forward to hearing from the CFPB the reason/s behind cash app whimsical decision.
Product: Credit card

I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR.
Product: Credit reporting or other personal consumer reports

These accounts below are more than 7 years old and should have been removed from credit report. 

XXXX : XXXX View Account Details Account status Closed Age of Account 6 years 8 months 20 days Late payments 7 XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 6 years 9 months 5 days Late payments 7 XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 2 years 1 month 2 days Late payments
Product: Debt collection

This company has been calling me for days all of a sudden back to back. They also contacted my father and lied to him saying they were attempting to deliver something to me. According to law, they are only to contact third parties to verify or get contact information. They have this and already know they have it, as theyve been calling me relentlessly and leaving voicemails! My name is in my voicemail greeting and it is impossible for them to think it could be anyone elses number! My name is rather unusual and it is clearly stated in the voicemail greeting. Theyve violated the law by contacting my father on XX/XX/2024 and I want them penalized for it!
Product: Mortgage

I called the company explaining that I was not able to pay the balance of my loan by the maturity date due to financial hardship related to the pandemic. At first, they said my only option was to refinance. I called HUD for advice and was told they had recently worked with the company to do a modification. I called the company and provided this information, and was then told yes, that a modification was an option. I started the process on XX/XX/XXXX. Today is XX/XX/2021, and still don't know the status of the modification. I have had two scheduled appointments with a relationship manager for an update. Both times, I was told that information was missing on the application. My relationship manager should have thoroughly reviewed my file before the first appointment and made me aware at that time of all missing documents/ information. In addition, you can't reach the relationship manager assigned to you. I spoke with an escalation manager regarding my concerns, she did not address my concerns. I am fearful that I will not have a definitive answer by the time the maturity date rolls around. I feel like they are intentionally stalling so that I can lose my property.
Product: Money transfer, virtual currency, or money service

Ok So PayPal Limited My Account For No Reason and I Have {$100.00} Dollars on Hold And its been more than 180 days and I still have not gotten my money withdrawn I need that money for Family Emergencies
Product: Debt collection

I sent a debt validation letter certified mail with returned receipt. USPS Tracking # XXXX They received in XX/XX/2020 and signed for it. I never received any sort of correspondence requested or proof of debt. I need them to cease and desist all collections on this invalid debt. Attached is the certified mail receipt and the letter sent to them.
Product: Credit card

On XX/XX/XXXX my card number was used in XXXX Ohio for several transactions. I don't know anyone in XXXX Ohio, never traveled to XXXX Ohio nor given permission to anyone, anywhere to use my card. Several transactions were made, money from my bank account was taken from my bank accounts paying the bill on the credit card as well as two other bank accounts to XXXX themselves cash. There were transactions made after I called credit card company regarding the issue as well as going to police department to file a report. The card number was changed and a new card was mailed to me but there were additional charges made after the card number was changed. I had not even received the card in the mail yet. This credit card company require your banking information ( routing and account numbers ) in order for you to pay your bill online which explains how they were able to get into two other bank accounts. I tried to log into my account on XX/XX/XXXX to make a payment but was locked out of the account. I discovered that the email address and phone number was not the same information that I gave long ago when the account was opened. I called the card company on XX/XX/XXXX to make a payment on the account because it was due on the XXXX and spoke to a representative. They had the account number and I also gave them a debit card number so that the payment could be made. Now they are saying that the payment was not received but I have an email thanking me for my payment. Went back online to check and the payment had posted and showed the next payment for the month of XX/XX/XXXX. I believe that this was all done by an employee from the company because of how everything has been handled.
Product: Mortgage

I had a forbearance agreement with XXXX mortgage. my loan transferred to penny mac and they said they never received the agreement, XXXX mortgage sent all the forbearance agreement paperwork to penny mac. When I called penny mac they said there was no agreement and i had to pay the total past due or do a short sale. They never honored the agreement or applied the money i paid for the forbearance to the loan. I tried resolving this problem with penny mac before i did a deed and leau and after with no success. Every time there is new information brought to there attention they just change what they were saying. XXXX mortgage proved to them in a cfpb case that I had a good agreement and penny mac stated that i maid no mention of the forbearance agreement in my deed in leau request. I told XXXX XXXX about in on the phone and in my application process. penny mac chose to ignore the agreement in XX/XX/XXXX and in XX/XX/XXXX. My credit report shows i made no payment to them and i owe XXXX and past due XXXX. I could never make a payment because penny mac would n't accept any payment unless i would bring the account current in XX/XX/XXXX which was impossible because i paid XXXX and XXXX in the forbearance agreement to XXXX mortgage. my only option was a short sale which was unacceptable to me because it was there mistake or predatory lending practices. I have sense received a letter from penny mac saying my loan is paid in full and it 's stamped on my deed. yet my report still shows the mortgage as open and I owe money. Penny mac has cause a lot of turmoil for my young children myself and caused a divorce from financial stress due to bad credit. and still does I was also lied to during the deed in leau process by XXXX XXXX. He stated my loan would be reported as paid in full and a deed in leau would n't affect my credit like a foreclosure, and I 'd be able to buy a house much sooner than a foreclosure which were all lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed still 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 & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX SELF-REPORTED XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022
Product: Payday loan, title loan, personal loan, or advance loan

I bought a lawn mower from them and they didnt telling all the information about the buy now pay later
Product: Credit reporting or other personal consumer reports

I am writing to address discrepancies I have uncovered in my personal credit report that are significantly impacting my financial standing, particularly concerning my ability to secure housing. While I acknowledge the potential for errors, I have familiarized myself with the dispute process and understand the mandated investigation time-frame of XXXX days. Despite submitting my FTC report, which identified an error, and the removal of this account by other bureaus, your bureau continues to report them. This leaves me perplexed as to how this account was verified by your bureau when others have successfully removed it. Therefore, I request the immediate removal of this account from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX froze my account which at the time didn't have a direst reason and was federal money which was my unemployment money and were not suppose to during covid. Another problem with different bank was Huntington bank. For my unemployment also. I set up my bank account for only money to come out of my account ONLY if I withdrew it in person at the bank. They allowed electronic transfer from my account from new York. Which put my account in negative. They fully didn't reimburse me. They charged me for over draft which I didn't have. They gave me a runaround about getting money that was transformed from unemployment to XXXX XXXX XXXX after they froze my account. Then was suppose to give me that money that was withdrawn from my account which was XXXX and something. I only got back XXXX then sent it back to unemployment instead of me. I have photos of electronic check and money going in and out if my account during that time
Product: Credit reporting or other personal consumer reports

I loss my wallet in 2015 at a friends house and I begin see accounts on that address in my name on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Account name : XXXX XXXXXXXX XXXX Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. XXXX. Account name : XXXX XXXXXXXX XXXX Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit scores from 3 credit reporting agencies and each has shown a massive decline in my credit score for  Transunion and XXXX. My credit score was XXXX for XXXX  and XXXX for Transunion for months and no one can explained the massive drop. I have paid all accounts on time. I have continued to reduced my credit utilization, paying out two accounts out of the 3 credit cards, XXXX and XXXX XXXX accounts are paid to a XXXX balance. I have paid my XXXX account down to {$4800.00} and though they are reporting {$5600.00} my credit score for months remained the same of XXXX and XXXX. My credit score has been XXXX and XXXX over a year or so and I have only continue to pay all of my creditors down, When I spoke to the rep at Transunion inquring about the drop in my score and informing her that XXXX XXXX, XXXX XXXX and XXXX   are all reporting the same devreased scores. Though I informed her that all 3 organizations report the scores using XXXX XXXX she indicated to me that Transunion uses XXXX XXXX. She indicated to me to contact the organizations and inquire of them why the drop in the score. I informed her that when I inquired of XXXX XXXX, XXXX and XXXX XXXX, all 3 organizations indicated they only report what Transunion and XXXX  reports to them. The only thing that should have reflected on my credit reports was an increase, not a massive decrease.
Product: Debt collection

Excessive calls after I told them when I would pay for the period. They call first thing in the morning, sometimes multiple times during the day, and at night by the end of the business day. Far more than an appropriate amount of phone calls even if I am late.