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

I am exercising my right under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, Credit Reporting Resource Guidelines. I am DEMANDING you remove this item immediately. GM Financial, account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all LEGAL REMEDIES at my disposal Accounts must be deleted for the following reasons : Credit Reporting Resource Guide XXXX -Accounts which are reporting inaccurate information, Charged Off accounts reporting a positive balance. 
-Accounts which are reporting inaccurate information, Charged Off accounts reporting a Past Due Balance -Accounts which are not reporting monthly, Failed to report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of the year XXXX
Product: Money transfer, virtual currency, or money service

Received first phone call from XXXX ( saved in my contacts as my Bank number ) at XXXX, informing there was fraudulent activity of someone trying to open an account in XXXX XXXX and performing XXXX XXXX. They gave me a cancellation code and said another rep from the XXXX department will call to get information in order to help track the fraudulent activity. Received another phone call from same number at XXXX. " Agent '' introduced himself as XXXX XXXX ID # XXXX, explained there were 2 transactions that were placed in my name. He instructed me to send money to " XXXX '' and " XXXX '', the first for XXXX and the second for XXXX. This had to be done this way to track the fraudulent activity. He was very aggressive and made me very nervous- at one point I asked him to hold and I called my bank on husband 's phone and when I hung up to get a phone call back he said that he could see in his system that I had called and that sinceI requested to speak to another agent, he would have to hang up and my account would be unsecured.

Told me to not access the account for 24 hours. Called me the next days but when I confronted him he hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH XXXX  AND TRANSUNION AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX   COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
Product: Student loan

The student loan servicer removed the indicator on my credit files which stated COLLECTION ACCOUNT AFFECTED BY NATURAL DISASTER FIXED RATE As a result this has negatively impacted my credit rating. I feel that they did this with malice to cause impact me negatively.
Product: Debt collection

I have been making payments to Capio Partners under 2 accounts for 2 years. these are accounts XXXX & XXXX. Payment was being made through XXXX XXXX. Back in XX/XX/XXXX acct XXXX was paid in full & when I called to verify I was informed of 2 other accounts that were misscoded as bankruptcy when they realized that was an error on their part they came after me agressively & I settled those accounts & continued paying on XXXX through XXXX. That account should have paid in full this week so I attempted to verify that & was told after 6 calls to different numbers that they show no record of that account & I owe them nothing to call XXXX. XXXX shows Capio has cashed every payment sent to them even though they claim I owe them nothing since XX/XX/XXXX. Hundreds of dollars gone.no answer.
Product: Student loan

I had received several calls about some new program under the Obama XXXX saying if I worked for a XXXX, which I do, that I could qualify for loan forgiveness. After several calls I finally inquired with the company, XXXX, about it, and the people told me that they could consolidate my loan and place me on an income driven repayment plan. I was in a hurry to give off the phone, so they rushed me through the process saying I needed to check my credit to see if I could finance their fee, which would cover them sending me the paperwork and them filing it with the student loan company. I agreed to it, not knowing it was a scam, signed the paperwork, paid the down payment, and sent in the required documents, only to have them not complete the process. They have charged my account XXXX for several months. Recently I received an email from the student loan companies saying I had been scammed. I called XXXX and Equitable Acceptance Corporation, the company taking money out of my bank for loan payments, only to have them try to explain it away. It is on my credit report, has hurt my credit and chances to get a house. I am upset that it is a scam and they took advantage of my being in a hurry. I have also contacted the student loan company, and they told me all of this could be done myself to achieve the same results. The consolidation that the scam company tried to do was not eligible or something. I was told that I did n't have to use them, to stop payment at the bank and to contact consumer financial protection to help me fix the issue. I have gotten behind on the student loan situation, but they gave me a deferment now because of this so I can fix it. If I get my money back from Equitable acceptance great, if not just help me get them off of my credit report so I can purchase a house soon. This has been an extremely frustrating process. I have other issues more important to deal with yet have to worry about a scam I should not have to worry about because they take advantage of people. I should have been more careful but they caught me at a vulnerable moment. They made it sound so legitimate and helpful, escpecially in my time of need. Thanks for your help.
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 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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a debt collection notice in the mail to my previous address in XXXX, Pennsylvania for {$1100.00}. I called the debt collector phone number that was on the paper to figure out where the stat has come from because I had not had any previous notification of the debt. Upon speaking to somebody on the phone, I was told that all correspondence regarding the stat was being sent to XXXX XXXX XXXX XXXX I have never lived on XXXX XXXX XXXX, but have lived on XXXX XXXX XXXX. After this information was found, I sent a letter asking for verification of the debt. The correspondence I received from the debt collector, showed the wrong address on top of the debt, thus indicating that I have never been made aware of this debt until I went to collections, and that they still can not verify that the debt was mine.
Product: Debt collection

Rubin & Rothman. LLC Attorneys at Law sent a debt collection letter on XX/XX/ falsely representing that attorney 's were involved in this attempt to collect this alleged debt. Rubin & Rothman. LLC sent letters with the phrase " Attorney at Law '' at the top of the letter. The letter also included a payment coupon indicating that payment should be sent to the firm. Attempting to influence me to pay an alleged debt that i wouldnt otherwise do. Violations of 15 USC 1692e ( 3 ), ( 10 ). I have not given any authorization for them to communicate me and I have never had business or contractual relationship with them am unaware of any legitimate obligation owed to them. There '' s multiple companies attempting to collect on the same alleged debt which will ALL BE NAMED IN RACKETEERING and extortion compliant being filled with XXXX XXXX
Product: Checking or savings account

TD Bank sent us a notice about closing our business accounts which is 2 checking account and a money market account without giving any reason for closer we tried contacting customer service by the phone also by visiting TD Bank branch and they did not provide the reason why they closing the accounts also we tried contacting the fraud department for TD Bank and they could not give us any information
Product: Credit card or prepaid card

I have had a checking and savings account along with a line of credit with Bank of America for over 14 years. I fell on hard times at the end of 2019 and ended up making a payment arrangement with BOA to get my credit card caught up. I explained to the rep that based on my payment schedule with work, the first couple of payments would be at the end of the month which would require my payment due date to be adjusted accordingly, which I was told would be done without issue. These pre-scheduled payments were withdrawn from my checking account on the XXXX of the month instead of the XXXX, my original due date. I recently checked my credit reporting to find not only was none of this done, but the account has actually been closed and FIVE MONTHS of late payments were reflected for this account. After speaking with a rep at BOA to explain the issue, I was told there was nothing they could do even though it was THEIR REPRESENTATIVE who gave me misinformation as the woman I spoke with today put it. This is a card that I hardly use and they have given me numerous credit line increases WITHOUT my request to do so over the years, and yet the first time I have any sort of issue, they deem me a risk when this card has been paid satisfactorily for 14 years and close the account with notice to me as the consumer. This seems extremely counter intuitive considering I was still receiving messages for loan and credit offers while this entire mess was still going on.
Product: Mortgage

I was trying to buy a distressed house in XXXX CT using FHA XXXX loan. My lender was AnnieMac, seller XXXX Mortgage represented via XXXX Real Estate 's agent XXXX. Due to excessive scrutiny imposed by the lender I was unable to find a contractor to work on the house in due time and informed about it the lender on XX/XX/XXXX ( 23 days before proposed closing date ). The loan process should have stopped at this point, however the lender essentially forced me to continue by ordering an appraisal and XXXX consultant inspection, {$450.00} and {$500.00} respectively. Eventually we have received a bid from a contractor but it was too late, there was not enough time for underwriting. The seller refused to grant extension, but then asked for $ XXXX!!! fee for delay. My attorney advised me to execute finance contingency to avoid loosing my earnest deposit ( {$1000.00} ). 
As a result of this I was unable to buy a house and lost {$1900.00} in fees ( inspections, appraisal, attorney ). I 'm currently also unable to return my earnest deposit, even though my attorney made every effort for this. 
The lender business practices are completely unacceptable and appear as predatory lending tactics, and led me to major losses. 
Same applies to the seller of the house, which is also a mortgage company - they asked for atrocious fees for extension of closing date and now refuse to return my earnest deposit without even stating any reason. 
The seller 's agent does not return calls, and does not respond to emails. 
Please help to bring the justice here, I have done nothing wrong, yet lost substantial amount of money with no hope on recovery. 

Thanks, XXXX.
Product: Vehicle loan or lease

Entered into a loan agreement with Credit Acceptance Corporation ( known as " CAC '' ) in XXXX, missed a few payments due to loss of income. CAC indicated they mailed correspondence to my mailing address, which I never received. CAC violated Florida State law, which requires them to send " Notice of Right to Cure and Redeem '' They also are hiding the true cost of credit : Setting up borrowers to fail, since XXXX, Credit Acceptances loan agreements nationwide have said that consumers would pay interest at an average 22 % APR, the interest rate on my loan was 22.99 %. They work with a network of dealers who inflate the sale prices, sell add-on products and manipulate CAC software, which they are required to use and get the best possible cash price for themselves. This is known as the " CAC Payment '' to the dealership, which in my case included my {$1500.00} down payment. In XXXX, Massachusetts Attorney General secured more than {$27.00} XXXX for thousands of families harmed by Credit Acceptance, and this very agency, along with the New York State Office of the Attorney General sued the predatory auto lender , Credit Acceptance Corporation, for misrepresenting the cost of credit and tricking its customers into high-cost loans on used cars back in XX/XX/XXXX. ( see XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the Right to Privacy. 15 U.S.C. 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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 reporting or other personal consumer reports

On several occasion I have disputed the inaccurate XXXX  XXXX & XXXX bankruptcy listed on my Experian Credit report. I have also, requested Experian to provide me with documentation of how this information was verified and by whom. Experian has yet to provide any information. Most resent dispute was filed on XX/XX/XXXX. XX/XX/XXXXXXXX  I received a updated from Experian stating dispute has been verified by the XXXX and no changes has been made. A letter from the XXXX Court was obtained and submitted with the dispute stating, the XXXX do not report to the Credit Bureau or any consumer report company. Experian has denied and willfully ignored all of my request. This is a direct violation of the FCRA Consumer Rights and reporting.
Product: Bank account or service

In XXXX, Capital One Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired XXXX XXXX XXXX ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. Capital One was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with XXXX XXXX. 
In XXXX XXXX, I negotiated the terms of my XXXX Capital One credit cards debts with XXXX XXXX attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with XXXX XXXX who had the agreement of Capital One, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, CAPITAL ONE HAS AGREED to this terms. 
As of today, My CAPITAL ONE BANK Account Number : XXXX .... and CAPITAL ONE BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, Capital One STILL reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through XXXX XXXX XXXX, and received letters from XXXX XXXX for the complete clearance of the credit cards with Capital One Bank. 
WHY is CAPITAL ONE falsifying that I have balances? As of XXXX XXXX the balances are " XXXX ''. When Capital One hired Attorney Firm to collect their credit card money, surely Capital One has agreed that the Reporting Power to the agency will be given to the Attorneys, and Capital One would not FURTHER damage my credit. It seems that XXXX XXXX collected their fees from Capital One and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. XXXX XXXX must report the Capital One debts as having balance of " XXXX ''. Thus Capital One is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy in XX/XX/2018 and Equifax is not reporting an account properly even though I have disputed it now THREE times. The account name is XXXX XXXX XXXX XXXX XXXX credit card, and was included in my petition. The balance reported is {$1200.00} and the " current status '' is 'charge-off. '. 

My Equifax credit file is reporting XXXX XXXX XXXX XXXX XXXX as ( 1 ) Current Status : " delinquent, '' and " 30 days late, '' and ( 2 ) Description Remarks : " Charge Off. '' I have now disputed this account three times with Equifax, but XXXX XXXX XXXX XXXX XXXX keeps verifying their reporting as accurate, in violation of the automatic stay afforded debtors in Bankruptcy Code 11 U.S. Code 362, and Equifax has refused to update this account. 

I am requesting that Equifax update my file for this account with the descriptor " Chapter XXXX Bankruptcy. '' Thank you.
Product: Checking or savings account

My account was attacked in fraudulent transactions through a ach transfer that I have not authorized!! Through a merchant named XXXX XXXX, I have lost about $ XXXX!! I have called chase bank to report it as I have not done these transactions and they told me I was gon na get my money back but it has been more two n half weeks I still have not received anything, I have cooperated with them in providing all the documents they needed for the investigation and I have signed a statement of dispute to be sent to them but no has been usefull in helping me, and the customer service is terrible as they all just tell you different things and they dont take notes! You always have to explain everything again to them and they dont talk to each other as they are like robots who just all follow the same procedure and not help people as humans who is desperate and stressing about losing their hard earned money!
Product: Credit reporting

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
Product: Debt collection

Conn 's calls my husband 's work ( XXXX ) and personal phone ( XXXX ) several times a day - sometimes up to 10 times per day. We have asked them to stop calling his work number, as well as his personal phone, but they do not stop. We have noticed that when my husband travels and/or gets calls from different states for his work, that they will call using a phone number from that state. For instance, he received a work call on his work phone from Arkansas, and not 30 min later Conn 's called using a number from Arkansas. We have been in Florida for travel, and the Conn 's calls we get are from Florida. Every time he gets a work call, Conn 's calls his work number with an number from that same area/state. I do not know how they get this information or why they will not stop calling, but it is harassment. My husband 's work is fed up with the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXX XXXX 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 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received a notice about a tuition statement XXXX form I called and got no response. Then 3 months later and got another card type from XXXXXXXX XXXX  saying I owe {$6200.00} for something I didn't sign up for. This is not me I'm XXXX XXXX XXXX on XXXX I didn't do this.
Product: Bank account or service

I signed up for a CitiGold Checking Account with a promotion where I was to be awarded XXXX XXXX XXXX miles upon meeting certain requirements including a {$1000.00} spending requirement in debit purchases and two bill pays. The points were to be posted within 90 days of meeting these requirements. I have contacted Citi multiple times and created multiple inquiries to resolve the issue and they have yet to post the miles. The requirements were met in XXXX and it was verified by a Citi representative that the points would post in the month of XXXX. On XXXX XXXX, Citi randomly closed my CitiGold Checking account and refused to cooperate with me on any further inquiries about the points because the account was now closed ( that I never requested to be closed and they can not figure out why it was closed ). See attached for screenshots of my inquiries and their request for me to provide my XXXX number, which I did promptly over the phone.
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 proc 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 card or prepaid card

I applied at a XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX, WA ) for a credit card on XXXX XXXX, 2018. I never got the credit card or the requisite decline letter from XXXX XXXX explaining that I have been declined for credit and stating the decline reasons + sources of information for the data used in the decision. I believe this is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file dispute on the attached copy of the report I received. 
This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information.

Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s