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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX IN. for the amount of XXXX opened on XX/XX/2022, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to inaccurate information being reported on my credit report in XXXX and i was not sent the results of the dispute so i submitted another dispute since the dispute took much longer than 30 days CFPB case # XXXX and the items were deleted except one saying it wasn't being reported i just pulled the report and its still on the report NON REPORTING DISPUTES XXXX  : XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. XXXX  : XXXX  XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
Product: Credit card

I opened a Care Credit account after signing up for a {$3500.00} XXXX XXXX XXXX XXXX. The services that I was given were not helping and were not making my condition better, they were making the condition worse. Care Credit charged me {$3500.00}, even after I had canceled my appointments because it was worsening my condition. 

The services that I received were not satisfactory and not what I paid for. The doctor told me that 1 treatment per week would be {$80.00} which would include all machines, because I had 4 visits I offered to pay {$320.00}. I offered to pay for what I used, but the prices he is offering are grossly overcharged. The services I received could be purchased on XXXX, XXXX, or XXXX for much cheaper. Per CFPB XXXX ( c ) ( XXXX ) : " When a person who honors a credit card fails to resolve satisfactorily a dispute as to property or services purchased with the credit card in a consumer credit transaction, the cardholder may assert against the card issuer all claims ( other than tort claims ) and defenses arising out of the transaction and relating to the failure to resolve the dispute. The cardholder may withhold payment up to the amount of credit outstanding for the property or services that gave rise to the dispute and any finance or other charges imposed on that amount. '' I tried to assert my right not to pay for what I was overcharged and I asked the doctor to only charge {$320.00} for the four sessions. Doctor responded with an itemized list of what services were used, which were inflated prices. The doctor did say they would waive {$1500.00} that were used, but I would still owe {$1900.00} of services that were misrepresented and I did not use. 

I am asserting my right not to pay for services that were not satisfactorily resolved. I am withholding payment for the outstanding {$1900.00} that gave rise to this dispute. I am willing to pay the {$320.00} for the treatments and 2 nutrition shakes for {$100.00}, which are the services I received. 

Please email me for any documents needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Product: Checking or savings account

I opened a bank account with Chase Bank because for XXXX, I thought they would be a good account for my SSDI account because I have heard of them for years, and also I saw an advertisement about a new account promotion for {$200.00} to open account. I signed up sometime around XX/XX/2022, received email congratulating me on opening account, on XX/XX/XXXX received email about mobile app. Then on XX/XX/XXXX, I received an email, after I opened the account about the code for {$200.00}. I contacted customer service about it, they said that because I opened my account before I received the code I wasn't eligible for it. The advertisement said that you had to open an accout and do direct deposit before XX/XX/XXXX, Then I had problems with my account. When I contacted the XXXX to change banks, somehow my account number was swapped with my SSN. I didn't get my check until XX/XX/XXXX, caused me to miss out on another promotion for {$100.00} if you use your card XXXX times before a certain date. I feel like I was done wrong. I have pics of the emails. And statement from XXXX. XXXX or XXXX of the emails say it's still waithing on me to use the code, but when I try it says that part of the site isn't working try again, no matter how many times you try it says the same thing
Product: Debt collection

Received multiple phone calls since XXXX from XXXX. When I returned calls someone named XXXX XXXX answered and asked for XXXX XXXX. XXXX is my mother who is deceased since 1993. I was very upset and asked this woman what " personal business matter '' she could possibly have with a woman dead XXXX years? She refused to tell me anything but they called my cell number? My concern is if this is a collection call it must be due to fraud because no one collects debts from XXXX years ago. When I tried to explain this to XXXX XXXX she refused to tell me anything. I want this company investigated because this is likely due to criminal behavior. The company is evidently a debt collection agency which purchases old debts. They should NOT be contacting me or harassing me when my mother is deceased since XXXX. This is predatory and abusive practice if I ever witnessed it. Calling a relative of a deceased person to harass for debt must be a violation of FDCPA. This is the contact information on their website : MRS-BPO XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX https : //portal.mrsbpo.com/
Product: Debt collection

I received a debt collection letter from Williams & Fudge Inc for the College of XXXX XXXX stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything. Also I am a retired vet I dont need a student loans I have educational benefits from the military.
Product: Money transfer, virtual currency, or money service

I am a U.S. customer of Paxful, and my account was banned due to their decision to block U.S. users. According to Paxfuls policies, I am supposed to be allowed to withdraw my funds, but I have been unable to do so for months due to a restriction in their ID verification system. It wont let me attempt to verify it all. Its a loophole.

Paxful banned my account due to U.S. regulations, but they state I should be able to withdraw my funds.

When I try to withdraw, they require ID verification, but since I am in a blocked jurisdiction, their system prevents me from verifying my identity.

I have contacted Paxful support for months, and they keep telling me they are working on it, but there is no resolution or real response.

Now, Paxful has emailed me stating that if I do not withdraw my funds, they will begin charging a maintenance fee on my balance. 

This is an unfair and deceptive practice. They are deliberately preventing me from accessing my own money while also trying to take my balance through fees. 


Paxful is holding my money hostage, and I need CFPB intervention to stop this predatory practice. This is happening to others users as well.
Product: Debt collection

Around XX/XX/2023, a XXXX vehicle was fraudulently rented out using my ID. I filed a police report and ultimately got the responsibility of the vehicle off of me. What XXXXl did not do was clear me from the late fee charges. I have been sent to collections for {$6200.00}. The mail I received included the date of XX/XX/2023. I had until XX/XX/XXXX to dispute the debt but did not get the letter until XX/XX/XXXX.
Product: Credit card

I am writing to file a complaint against Navy Federal Credit Union regarding their handling of my credit card account and to express my concerns about potential discriminatory practices within their lending policies. 

As a loyal customer of Navy Federal, I have maintained two auto loans and two credit cards, consistently making my payments on time each month. However, despite my responsible credit behavior, I have only received two credit limit increases in nearly two years. I have repeatedly requested a credit limit increase, which I believe is essential for my financial growth and credit utilization management. 

Recently, I have come across reports in the media alleging XXXX discrimination by Navy Federal against XXXX and XXXX individuals. As a member of a minority group, I can not help but feel that my requests for a credit limit increase may be influenced by these troubling practices. This lack of support from Navy Federal is hindering my ability to reach my credit goals. A higher credit limit would not only lower my credit utilization ratio but also enable me to perform balance transfers from smaller subprime cards, ultimately improving my credit score.

I am concerned that Navy Federal 's practices may be unfairly limiting opportunities for individuals like myself, who are trying to build and maintain healthy credit profiles. I urge the CFPB to investigate these practices and hold Navy Federal accountable for their treatment of customers, particularly those from marginalized communities.
Product: Credit reporting or other personal consumer reports

I contacted every company that did an unauthorized hard inquiry on my credit reports XXXX, XXXX and Equifax. Each one of them said that i need to contact the credit bureaus and dispute the information. I did opened a dispute with XXXX, Equifax, XXXX more than a month ago and the unauthorized information is still showing on my report as of today XX/XX/2024. 


Also a XXXX  collection account has been reporting on my XXXX  credit file more than 7 years violating the terms of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is for the property in the Estate of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX KS XXXX. This estate is in probate and this has been approved by the court for me to purchase the property. I have Secured Title of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX Phone XXXX ) to manage this process. We had a mortgage pay off letter from XX/XX/XXXX, but the Title company obtained with my permission a new on XXXX XXXX XXXX. I have attached both of these items. We sent payment in full for the amount on the XXXX XXXX letter from Ocwen. Then On XXXX XXXX, XXXX, Ocwen contacted the title company stating they had not received the full payment but refused to send the documentation to the title company. The title company told Ocwen to contact me. I received 2 phone calls with nearly unintelligible messages and not form a number showing up in caller ID as Ocwen ( XXXX ). When I was able to determine that the word 'Ocwen XXXX was uttered in the second message I called the title company. The title company explained what they knew. I then called Ocwen and inquired. Ocwen stated that Ocwen had an accounting error and that the following things had been incorrect on the payoff letter 1 ) the interest was to high 2 ) there was a missing title search fee 3 ) that there was a missing foreclosure fee. I explained that we had paid the full amount of the XXXX XXXX pay off letter, which they have not applied to the mortgage. I also explained that I had never requested a title search and I would not pay for it. ( side note : if they provide a clear title search it is 100 % fake the title company can explain ) I also explained that it was not in foreclosure and could not go into foreclosure since it was an estate in probate. I was clear that I would be perusing legal means to clear this fraud on their part up. When they sent my new payoff letter over it also included a late fee for their mistakes.
Product: Vehicle loan or lease

Keep getting calls to come buy a car with a warranty on XX/XX/XXXX I finally went to the company and got a XXXX XXXX XXXX signed the paper work the same day the car left me in the middle of a intersection car wouldn't excellerate finally after pressing the gas to the floor XXXX I got out the middle the road the rpms going up no power car whining got it home took it to the dealer the next day after I tried to have it towed bc it was doing the same thing Tuesday I broke down I called the dealership they told me to call the number on my paper work that I have free towing under warranty I called to have it towed it was not covered under warranty I got the car back to the dealership told them to cancel the purchase because the car is faulty they would not cancel I left the car there XXXX XXXX  I get a call from XXXX to come pick my car up that the auto sales dealer told them to call me to pick it up so I did I took it home didn't get any paper work on the vehicle until Monday comes down to it it needs a complete new transmission the company that sold me the vehicle told me I did something to the vehicle they won't cancel at all the car broke down 22 hours after haveing it the warranty that they sold with the XXXX will not cover the repair bc they said it was the car dealership responsibility to fix since it was pre existing when I bought the vehicle I am now without that car haven't had it since I have really done the paper work bc it breaking down and they charged me {$32.00} for a vehicle I don't have I have XXXX children and a XXXX mother that car could have costed us our lives the dealership won't even let me trade the vehicle I asked them to trade the next day after buying the car these people won't call me back telling me to make sure I pay for the car even though I don't have the vehicle please help me it's going to ruin my credit these people sole me a very faulty dangerous vehicle the gas pedal stops working on it on top of all the other stuff I wrote about this XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding the situation that happened with me recently. I just checked my credit report I found there inquiries and accounts that are not mine, I guess someone just simply used my personal information so could you please let me know what shall I do with it is, as its destroying my financial situation and I can not move on absolutely .... I hope that this misunderstanding and misleading information will be destroyed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX 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: Mortgage

Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.
Product: Checking or savings account

Every month City of XXXX give me a check to pay for my services, the check is from their account at BBVA compass Bank, today I went to change my check # XXXX amount XXXX under my name XXXX XXXX and the cashier told me that there is a fee to do it because I dont have an account in this bank, XXXX dls fee for a Non-BBVA compass account holder check cash policy, when I ask for a tax receip they give me a flyer, obviosly i ask for a tax receip and they denied to give me one, and I cancel the transaction, Is legal to them to do this, charge you a fee and dont give you a tax receip?
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having trouble removing a fraud alert from Transunion for over 45 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.
Product: Credit reporting or other personal consumer reports

There has been some unauthorized credit inquires on my consumer report which i do not know anything about, it is saddened that there was an improper use of my report, according to 15US code 1681s-2 it is the responsibilities of furnishes of information to consumer reporting agencies and with that being said the following inquires are as a result of false and misleading representations according to 15 U.S Code 1692e, please kindly remove, Thanks XXXX of Texas XX/XX/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
Product: Debt collection

I don't know what this charge is for that's on my credit report. Its not mine.
Product: Debt collection

Wrong information on credit report asked to update an reply over XXXX twice
Product: Vehicle loan or lease

I have sent several letters requesting validation and verification of this debt and the original documents and methods used to verify this debt. My requests have repeatedly been ignored. I feel strongly that this company simply can not provide the original signed in wet ink documentation to legally verify this debt per the FCRA and thus they refuse to respond or delete the entry from my credit report. Judging by the numerous complaints on the XXXX  website ( I also have a complaint there as well ) as well as them having their accreditation stripped from them, I would be confident in assuming that they don't act in good faith when it comes to amicably solving simple issues like this one. Exeter Finance calls repeatedly from different numbers after Ive requested a legal signed documentation for said debt.

Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card.

This is an alleged debt that has not been proven and is still reporting on my credit report. I plan on seeking monetary relief of over { {$10000.00} } for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act section 616 and 617 for non compliance and negligence and under Federal Trade Commission, Section 813, Civil Liability, under ( 2 ) ( A ). Phone records from my telephone company and letters sent from credit repair agency can be produced if need be.
Product: Credit card

I have multiple promo rate balances, at different rates and expiring at different times. The last XXXX statements, beginning with my XXXX statement, Bank of America stopped reporting the balance owed under each promo rate plan. I called customer service after the XXXX statement and was told it was probably just a glitch, as they had just switched over their system. Today, I chatted them online, and they told me their new policy is that they " no longer include the balances for the promotional offers on our statements. '' I informed them I believed that was illegal, and I would contact CFPB.
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. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit card

I am filing a complaint against First Access Credit Card for unfair billing practices, as they have been charging me monthly fees despite my timely payments made before the due date. Under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) and Regulation Z ( 12 CFR Part 1026 ), credit card issuers must provide clear and accurate disclosures of fees, yet First Access has failed to justify these charges. This practice appears deceptive and violates UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) protections under the Dodd-Frank Act, causing unnecessary financial harm and potentially affecting my credit utilization and score. I request a full refund of these improper fees, a clear explanation of their application, and assurance that First Access complies with TILA and CFPB regulations to prevent similar issues for other consumers. I have attached my credit card statements as evidence and request an immediate investigation into this matter. 
XX/XX/XXXX 1 charge XX/XX/XXXX 1 charge XX/XX/XXXX 1 charge XX/XX/XXXX 3 charges of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.