23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Attached is a letter from XXXX XXXX for proof of payment of my REVVI Card credit card account. My closed REVVI Card credit card account is paid as agreed and in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Vehicle loan or lease

BMO Harris Bank XXXX XXXX XXXX XXXX XXXX IL XXXX is international doing bank fraud. Intentionally causing late payments. Intentionally causing late fees. Intentionally causing XXXX  scores to be lower. I have XXXX car payments, XXXX different loan providers, mail post office checks to both on same day. XXXX in CA other in IL. CA check clears within 5 days. IL check to BMO Harris just took 32 days to clear. Third time its happened, they harass and call you demanding payment. You authorize electronic payment with late fees. Low and behold within 2 days they magical find the check and apply it to next month. So they can collect interest on essential a double payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Debt collection

I am a flight attendant living out of state in base. My husband has been doing the bills. This week we received a notice from the collection agency XXXX XXXX. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called XXXX today. He spoke to XXXX in account release. XXXX stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our XXXX XXXX, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. 

I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. 

I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

EQUIFAX COMPLAINT DUE TO YET ANOTHER NATIONAL DATA-BREACH BY XXXX ( XXXX, ETC. ) I WENT ON-LINE WITH EQUIFAX TO XXXX MY CREDIT, BUT WAS LEFT WITHOUT A PRINTABLE & CLEAR ON-LINE CONFIRMATION - THEREAFTER, EQUIFAX DID NOT PROVIDE XXXX IMMEDIATE XXXX CONFIRMATION EMAIL, AS DID BOTH XXXX & XXXX NEXT DAY, I CALLED EQUIFAX TO VERBALLY REQUST XXXX EMAIL AND WAS VERBALLY DENIED A CONFIRMATION EMAIL - ONLY OFFERED A TEXT. INSTEAD OF JUST SIMPLY TELLING ME ON THE PHONE EQUIFAX REFUSES TO PROVIDE EMAIL CONFIRMATION OF A REQUESTED XXXX, I WAS PUT THROUGH REDICULOUS IDENTIFICATION PROCESS AS FOLLOWS. AGAIN, THE OVER-THE-PHONE IDENTIFICATION PROCESS WAS UNECESSARY AND ABSURD INVASION OF MY PRIVACY - WHILE ON MY CELL-PHONE, TALKING TO EQUIFAX, EQUIFAX REQUIRED XXXX REPLY TO A TEXT TO SUBMIT BOTH A PHOTO OF THE FRONT & BACK OF MY DRIVERS LICENSE, AND A FACIAL PHOTO AS WELL- THIS KIND OF REQUEST, OR REQUIREMENT SHOULD BE ILLEGAL. 

AGAIN, THIS WAS AN ABSOLUTE INVASION OF MY PRIVACY!!!
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting

Experian is the only bureau that is DOUBLE reporting this inaccurate information. XXXX creditors are attempting to collect the same debt at the same time. It is erroneous and the other bureaus have fixed it, yet Experian claims it is valid. They are reporting XXXX XXXX XXXX old balance and charged off account $ XXXX ... 
They are also reporting XXXX XXXX XXXX XXXX for XXXX XXXX with the same debt & balance! How can XXXX creditors collect on the same debt? They ca n't because it is against the law in the FCRA.
Product: Credit reporting or other personal consumer reports

Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. Experian, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX i had someone opem a loan for {$5000.00} in my name at citi bank back on either XXXX or XXXX without my permission and Citi Bank did nothing to stop it
Product: Bank account or service

In XX/XX/XXXX my checking account at Bank Of America was closed due to XXXX checks that were cashed against my account by me in the same day. I cashed those checks for a friend that was in need of a favor. When i was notified the checks bounced in full surprise i paid back the bank the next day in full. I paid it back so fast the bank did not get a chance to even close the account yet. My friend did not realize that his mother 's account that he had permission to write checks off of winded up closing the night before. Please help me i am now XXXX and i am trying to start my life and i ca n't due to this minor setback as a XXXX just trying to help out a friend in a positive manner. I tried contacting Bank of America XXXX times and received the same response each time " there is nothing we can do other then tell you to file a dispute ''. I wrote a letter to them pleading my case and XXXX days later i got a response saying they were not going to remove the negative information from early warning services and with basically no reason why. Please help me I do n't know what else to do I have tried everything in my power, I need your help!!
Product: Credit reporting

Equifax is unable to deal with a simple problem by providing the data to me by phone
Product: Debt collection

Im a victim of identity theft someone got my information and ran up my cards I Contact the companies and they had removed the negative items on my report and now its back on my report
Product: Credit reporting

I feel like I 've been a victim of identity theft and contacted the credit bureaus right away. I explained that I contacted the creditor and XXXX told me that this account belongs to someone else with a different address. So I did everything that the Experian representative told me so that these accounts would come off. I checked almost every other day to see if anything has been done ; to my surprise, not even a dispute was placed on any accounts that we 've discussed. Then I was informed about your agency who keeps everyone in check. I am really hoping that these kind of business is not tolerated as we know that a lot of things depend on credit rating. We can not afford to have a XXXX bureau just because they can do whatever they want or not do what ever they do n't want even if its the right thing to do.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

My Personal information has been exposed in a data breach and after reviewing my credit report I have noticed some accounts I am not familiar with, I have asked the CRA 's for a validation of debt numerous times, and yet this information has not been provided. My information has been exposed in a national data breach for I have submitted a FTC complaint reporting the info I am not familiar with. Please find attached below is a copy of my FTC complaint and a copy of my XXXX and ID report showing my information being exposed.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Complaint Against Tower Loan of XXXX XXXX for FDCPA Violations Dear CFPB, I am writing to formally file a complaint against Tower Loan of XXXX XXXX for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and other predatory lending practices. Tower Loan has engaged in ongoing harassment, deceptive practices, and unfair debt collection tactics that have caused significant distress to my family and me. 

The following are specific issues we have encountered : 1. Harassment Through Excessive Calls Tower Loan calls multiple times a day, often back-to-back.

Employees use their personal phone numbers to contact us.

2. Unlawful Disclosure of Debt to Third Parties They have called and discussed our debt with family members and friends, demanding payment.

3. False Threats of Legal Action They continuously threaten legal action they do not intend to take.

4. Unfair and Unlawful Payment Requirements They require payments to be made only in cash, in person, and in-store, which is restrictive and unreasonable.

5. Lack of Transparency and Inaccurate Accounting The branch manager was unable to provide a total amount we have paid to date.

When we attempted to check our account online, it stated that we do not have an active account with original account number.

* They have created multiple account numbers. 
* Loan was opened XX/XX/year> XXXX. XXXX XXXX Tower Loan employees have come to our home and discussed our debt in front of our neighbors and children, causing embarrassment and distress. 
7. Discrepancies in Loan Payments and Balance Owed We originally took out a {$4000.00} loan from Tower Loan. 
According to our bank statements, we have paid a total of {$4800.00}, not including multiple cash payments made at the branch. 
Despite having repaid well over {$6000.00}, Tower Loan states that we still owe {$5000.00}, which is inconsistent and suggests predatory lending or improper accounting practices. 

This situation has caused extreme stress for my family and me. Tower Loans conduct appears to violate multiple provisions of the FDCPA, including excessive harassment, third-party disclosure, misleading statements, and unfair debt collection practices. 

I request the CFPB to investigate Tower Loan and hold them accountable for their unlawful practices. Additionally, I request a detailed and accurate accounting of our loan payments and balance. 

Please assist us in stopping this harassment and ensuring that Tower Loan of XXXX XXXX complies with federal debt collection laws.
Product: Credit reporting or other personal consumer reports

As previously communicated, these fraudulent items inaccurately reflect my credit history and could have serious consequences for my financial future. I have provided extensive evidence supporting the fraudulent nature of these items, yet they remain on my credit report. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant distress and impacting my financial standing. 

If there are any additional steps I need to take or any further information you require from my end, please do not hesitate to let me know. I am committed to working together to resolve this matter as quickly as possible. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I purchased the gift cards, but when I tried to use the card in the store, the transactions were declined for security reasons, and cases were opened ; case number XXXX ( on XXXX XXXX ) and XXXX ( on XXXX XXXX ). As requested, I sent attached documents to XXXX in order to get receive the replacement. But for all involved cards, I have been waiting for over XXXX month, but my money in the card was still unable to use. 

Case XXXX was previously filed with CFPB complaint XXXX, and I was notified the refund would be sent, but I had never received it. I inquired about this issue to XXXX on XXXX XXXX and XXXX XXXX, but no response was received. 

I am frustrated that the similar issue happens frequently, which is the company fails to replace the cards in a timely manner as promised. For all the involved cards, I request the replacement at the first place, but none of them is solved after I wait for over XXXX month, so I HAVE TO file the complaint to get my money back. Even if I followed up directly with the company, there was no response at all. 

Note that my money on all cards is stuck and inaccessible to use for over XXXX month, and yet I ask for the refund of remaining balance only, not including the gift card fee or interest loss on the fund. It is the company 's fault that has caused such a hassle, and I have tried my best to solve the problem with reasonable patience.
Product: Vehicle loan or lease

Due to illness I was out of work and missed three car payments, I called Nissan to tel them I would be late and then on XX/XX/XXXX they reposed the car without any notice. I have been trying to make an arrangement with Nissan. THey want me to pay XXXX to recouperate the car. I would like to pay the unpaid balance due of XXXX and all associated fees XXXX in late charges and XXXX in repossession fees totaling XXXX and regain possession of the vehicle and continue to make my monthly payments. I have been a Nissan customer for 3 years and never had late payments until now. I received a letter that stated I have until X/X/2017 to resolve this matter but I believe I have 20 days from the date of repossession. I just want to work this out with Nissan.
Product: Mortgage

I asked the bank if they can postpone the sale of my property, which my mother have I asked the bank why they didn't tell me that the property was being foreclosed on XX/XX/XXXX and they said they sent notice, but the notice that I received did not have any date or time on it, so how would I know? I only received the date a few days ago when a realtor knocked on my door. 

I have been trying to refinance the property to get out of my mothers reverse mortgage, which we were unaware that she did at the time, and the bank would not work with me while I was going through the probate process to get the proper paperwork to refinance. Now the house is being foreclosed on and I just want to sell it to get my equity and my dignity back. This bank has been nothing but rude and I have a feeling they were predatory towards my mother as she would never sign off on this. We had no idea until just after her XXXX  death. 

The bank has not given me a chance to keep the property. Please postpone this so I can sort things out without a foreclosure and getting kicked out of my home while still grieving.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Back in XX/XX/2019 I started receiving collection phone calls and notices from National Credit Adjust ( XXXX ) XXXX for a debt in the amount of {$1500.00}. This is being reported on XXXX, XXXX, and XXXX. I also received a collection notice for the same debt from XXXX XXXX XXXX asking me to settle this debt. I wrote to National Credit Adjust asking for verification for this debt. They never responded to me. It appears as though 2 different creditors are trying to collect from the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts on my report because they were inaccurate. I sent out a letter on XX/XX/2021 and it's been 60 days!!!! Since I've received a response. I sent out another letter XXXX CERTIFIED and I still haven't received a response. You are in direct violation of the fair credit reporting act and these accounts must be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine : XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$12000.00}, Original Creditor XXXX ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$10000.00}, Original Creditor XXXX ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00}, Original Creditor : XXXX XXXX XXXX ) Please remove it from my credit report. 

The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3200.00}, Original Creditor : XXXX ) Please remove it from my credit report. 

The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ) Please remove it from my credit report. 

The following account is not mine : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2700.00}, Original Creditor : XXXX ) Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX acct # XXXX I disputed this 4 times already and XXXX fix 's report date to on time then move the the 30 day late to another month. so they are noy really fixing. i have never been 30 days late on my account .i have deferred account payments but never 30 days late. 

XXXX never 30 days late XXXX XXXX never 30 days late