23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company had my account listed as in bankruptcy. I have since been trying to get someone to speak to me after multiple unsuccessful attempts over a few weeks I finally got someone to speak to me in reference to my account,. I contacted my old bankruptcy attorney to get proof that I was not I bankruptcy and that my home wasn't included. This company has been reporting my account late to the bureaus even though it has been paid on time. I was told by a representative that they were adding bankruptcy charges to my account and she processed to to be removed immediately. I was also advised that my monthly payments have been sitting in an unapplied funds account and not being credited to my account. I was told that due to the overpayment for the erroneous bankruptcy overages and charges to mortgage that my payment due for XXXX was {$170.00}. As it stands my account is standing 28 days past due even though my mortgage was paid on XX/XX/2023. Everyone I speak to advises they can see the notes and that the credit is to be applied to my account but nothing has be done and everyone says it will be done that day and it has been over a period of 3 weeks at this point. I have emailed the cashiering department since every representative states the issue is with them and nothing has occurred. I have requested to speak to a supervisor on several instances and was always told none was available. No one is wanting to rectify this situation and I have seemed to exhaust every option. I have been having issues with this account since BSI Financial has taken over and reporting my account as late to the bureaus.
Product: Checking or savings account

My uncle was sending me money into my account and they froze the account and then closed it talking about suspicious activity! And now I cant get my account back dont think its fair especially knowing somebody else was using my account and had an account under my information for years and they held that against me!
Product: Checking or savings account

I opened my account with M & T Bank because there is a very convenient ATM that I pass every morning and afternoon going to and coming home from work. That particular ATM has been down for maintenance for several months now and that has caused me to have to use ATM machines where I am being charged {$3.00} from my bank and {$2.00} from the ATM. When I spoke with the bank about this situation they have told me several times that they will try to verify that the ATM is still out of service and go from there but I have had no resolution in the past several months. The only advice they offered was for me to use a different ATM that is 15 minutes down the road from my house. That would mean I have to drive 15 minutes to this ATM and then 15 minutes back to my house before I can proceed with whatever I am doing. I find that highly unreasonable. I would like them to refund all of the fees associated with using any other ATMs but the one in XXXX New York because that is the one that is down. To date, I have over {$400.00} in ATM fees because of their machine being down
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18.  Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.
Product: Checking or savings account

On XX/XX/year>, I placed a stop order payment on check No. XXXX, in the amount of {$2100.00}, the face amount on the check. 

The check was presented on XX/XX/year> and the bank paid it. I received a credit on XX/XX/year>, when I notified the bank of the error. 

The bank debited my account again on XX/XX/year>, without an explanation. Following a complaint submitted to CFPB on or XXXX XXXX, XXXX, under case XXXX. XXXX, the Bank credited my account on XX/XX/year>. 

In a dishonest, XXXX  way, the bank, without any explanation, debited my account again, XXXX  days later, or more than XXXX  days from the original stop order payment, on XX/XX/year>. 

What is even more unbelievable, the representantive on the phone, could not even see the stop order payment, which I attach here and was part of the original dispute. 

Thank you for assisting me in resolving this.
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 many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute 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 Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXXXXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 tak-timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces. 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

A car loan was taken out in my name some one was and still could possibly be using my identity to obtain goods or services, if filed a police report also reached out to the credit bureaus and still no result
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Over 30 unauthorized inquires appeared on my credit report and i did not authorize them Victim of fraud issue has not been solved i have placed a free and fraud alert on my reports and filed a police report but the credit bureaus XXXX, XXXX, or Equifax have yet to notify me with a responce or remove the unauthorized information
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. 

Flex : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Debt collection

Third party debt collector, calling for XXXX XXXX which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that XXXX purchased has been added as a derogatory debt on my credit report.
Product: Credit card or prepaid card

I have Citicard and in XXXX I decided to use my total cash reward payment towards my monthly payment. Under Redeem Now the options are : convert to points, statement credit, direct deposit or mail a check. I decided to use it towards statement credit. I submitted this before the 8th which is the due date. A few weeks later I get notification that they did not get payment. Instead I called customer service and explained what I did and theyre telling me it doesnt count towards your balance. I was also assured I would get mailed the documentation, which I demanded, but never received as customer service is outsourced. Upon closer examination it says in small print that by choosing statement credit it will reduce your amount owed but it is not considered a payment. This does not make sense and they should have made this information stand out more and because of this policy now my required monthly payments are larger ( over {$300.00} ) when I cant afford larger payments. I have a friend who has a high position in XXXX XXXX and was recommended to report this as deceptive and stated they need a better way to inform consumers about statement credit.
Product: Credit reporting or other personal consumer reports

My right as a consumer is being violated according to " 15 usc 1681a2 ''. In Accordance with the Fair Credit Reporting act. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. I have mailed out letters to Equifax to properly investigate an account that does not belong to me. The Tracking Number for the letters mailed out XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The credit bureau stated that Account Name : XXXX XXXX XXXX, Account Number : XXXX was properly investigated, however how is that possible when that account is not on any of my other credit report. I've also sent them a copy of my XXXX credit report which shows the date that account is to be removed from my profile. According to the FCRA 15 U.S.C 1681everything has to be 100 % Accurate. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c-2 also states that " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ''. I haven't given these accounts written permission to furnish these accounts on my credit report. I have the credit report showing the inaccuracies. I am a victim of fraud and I've also attached a copy of my Identity theft report.
Product: Money transfer, virtual currency, or money service

I discovered than XXXX transactions - withdrawls from my XXXX  XXXX XXXX account occured and were posted to PayPal. Someone had gotten access to my PayPal account, opened a debit card in my name, and then proceeded to load that card once the withdrawls posted. 

I discovered this scammer had hacked into my PayPal and opened a debit card in my name, and then added their own address - see attached photo- for an address in XXXX XXXX 

I have asked PayPal to open up a fraud claim, to which, they immediately closed, and neglected to give me any further information as to why. I have an ongoing conversation with them, however I keep getting overseas call center employees sending me generic information. 

No one is speaking with me over the phone... I am not getting an explanation. No one is taking this fraud seriously and I feel I am being unfairly treated, and abused financially by a billion-dollar corporation. 

I am now being stuck with a {$2300.00} bill to which they can not explain why it is being posted on my account.
Product: Vehicle loan or lease

I am being charged more for interest than I agreed to in my contract. I believe this company is stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report had 14 hard inquires. I didn't authorize a those.
Product: Debt collection

i do not live in that state and have not lived in that state for years or at any time the charges incurred. I have no knowledge nor have i approved this debt. my landlord will honestly vouch for me and so will my boss. it is impossible for me to have obtained this debt. please remove this debt and any others from that state.
Product: Checking or savings account

was XXXX XXXX XXXX XXXX my cash app account sent people money to them selves than cashed out multiple times to account that is not mine and I have no clue how or got in my account also XXXX was to send a refund of over XXXX $ for XXXX weeks they said they sent my money back I screenshotted all messed sent to cashapp for them to refund me still have not received refund the today is almost XXXX $ I had just received my back pay from social security
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a phone call to the Experian regarding a dispute that came back as the company certified the the account was accurate. I asked how did the verify since I sent a certified validation letter to XXXX XXXX XXXX back in XXXX and they didn't response to me. The agent with the dispute department told me that they have 3 options to choose from and they responded that the account was accurate but doesn't have to send any supporting information/proof to them. 

I informed the agent that I had file a complaint with CFPB that shows that the dispute is still in progress so why are they showing that it was verified on the XX/XX/XXXX. The agent stated that she wasn't able to find anything that supports that I have a open compliant with CFPB and she would open another dispute. Each time I have tried to dispute the account with Experian it's has come back accurate or verified. I was told in XXXX, if I want the account to be validated, I need to reach out to the company that was reporting it. I did just that. I reached out to XXXX XXXX and asked them to send me the original contract and/or agreement bearing my signature as proof that this is my account. They didn't respond to me because they couldn't provide this information because I don't owe a debt to them and doesn't have a legally binding contact. 

I am very frustrated because Experian continues to violate the rights that I have been give by the FCRA and refuses to take any accountability their actions. I recently submitted a dispute regarding a Bankruptcy by certified mail and I confirmed that it was received by the company but the agent reported that there was no record of that as well. I have been dealing with both of these issues for months with Experian to no avail. 
This is not a issue that should be taken likely as negatively affected my ability to obtain credit and meet the needs of my family.
Product: Mortgage

I applied for a loan for a mortgage and they told me I was pre approved for a home that cost XXXX. I went to look at the home that I wanted to purchased came back and sent in the papers for the home the home only listed for {$93000.00}. After submitting my papers back to them after the preapproval they told me we are sorry but we ca n't approve you for this loan. I asked them why and they told me after the fact due to my debt to ratio and student loans. I told them well why did you tell me that I was pre appoved and then turn around and say something different. XXXX then said well we fail to look at your financial obligations. 
I told her what did my financial obligations have to do with anything I had been paying my bills on time and had the credit score that was needed and the down payment money and then you tell me after the fact that I am not approved now. I lost XXXX on my earnest money and XXXX for inspection and another XXXX for another inspection. I want my money back the broker refuses to give my money back because 1st Alliance Lending told them and myself that I was approved at the beginning and now they say I am not. I am very upset about this because I have spent out all this money on this home and now I do n't have a place to live and have lost money on inspection and earnest money.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong PORTFOLIO RECOVERY this is a written request for you to cease and desist all forms communication with me effective immediately. 

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) t o advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore, you have no jurisdiction or authority to collect on this alleged debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

volenti non fit injuria Volenti non fit injuria is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You PORTFOLIO RECOVERY knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.