23daVinci/CFPB_Complaints huggingface dataset:
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 have all violated my rights 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 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 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. 1681-2 ( 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: Checking or savings account

On  XXXX   XXXX ,  2017  {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of  XXXX   XXXX ,  2017  the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) Die to inadequate customers service and unfair practice, which violates 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 cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I noticed that my check was garnished, I reached out to my employer, and they told me that my check was being garnished by the law offices of Patenaude & Felix for a debt owed to XXXX  XXXX. I called the offices of Patenaude & Felix to ask why they garnished my check without informing me, they proceeded to tell me that they served a woman in my household from the ages of XXXX in 2021 with this suit although no one in my household is of this age Nore were there any females living in this Houshold during that time or any time after and the notes that the offices of Patenaude & Felix show they did not collect a Name of who this was served to just said a woman ages XXXX, I was never made aware of this suit nor was I legally served and now my check in getting garnished 20 %.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) called regarding a debt my partner allegedly owed. I returned the message after several phone calls, and indicated to XXXX XXXX that this was not the correct telephone number. When I use the term partner, he assumed I was a XXXX, and used the most revolting aspersions one could ascribe to such an individual. 
He had absolutely no idea what my political affiliations were, as this is not something that I would disclose during a : business, professional, or even within the confines of a polite social settingbut this disaffected, criminally insane ( I am not in the business of criminal justice, or a mental healthcare provider, but I simply lack the necessary nomenclature to describe this sort of disgusting behavior in any other way ) person told me that, you XXXX  are going to start paying your bills when XXXX gets back in office. Again, I am not espousing any sort of political affiliation with this complaint, it is merely the way the message was delivered, and the threatening and abusive language that was used. 
He also falsely indicated that he was a process server, for the county, and, as such ; was going to arrive at my partners place of business or our home in order to service papers for some nebulous legal reason. He didnt indicate if it was mediation if it was a court summons. 
I contacted an attorney who said XXXX XXXX did not in fact work for the county, nor was there anything on the docket for mediation or court summons in neither my, or my partners name. 
I have saved the vituperative profanity, laced message on my phone, and it is chilling in the extreme. 
I am not afraid of a legal entity or an individual coming to my home to submit paperwork. I am now genuinely afraid for our personal safety. The reality is, at least this is what Im trying to tell myself, is that this organization hires people from the lowest rungs of society to employ XXXX  like tactics ; and I was simply receiving calls from some clerk operating out of a dingy cubicle. That is, at least, my hope. I really do not know. 
XXXX XXXX phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX, XXXX and XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies on credit report ran credit without my permission.According to USC 1681 sec 604a they can not do this.Credit reporting agenies no help
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my reports and saw the following fraudulent items that do not belong to me as well as the following inquires. I have disputed and the items always come back " verified. '' There are also multiple new inquires on my credit report that I did not initiate : Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires to be removed : XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent information to the three major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate.

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is 100 percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter.

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not 100 percent correct. It is also my undertanding that you have 45 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number VerificatioXXXX 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 according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Debt collection

Wakefield and Associates are trying to collect on a debt not owed to them. There are 3 accounts listed on my credit report in the amounts of {$840.00}, {$99.00} and {$480.00}. I wrote to them to request validity of proof of services, and they returned a generic bill saying " Emergency room visit '' which I do not acknowledge.
Product: Debt collection

Genesis Has called me 4-7 times a day every day of the week. Im out of work due to health issues and have told them that.
Product: Vehicle loan or lease

My vehicle got voluntarily repoed and I called the finance company to tell them I'm going to give them XXXX $ a month to continue to pay off the loan and I have so for awhile now and they wanted {$6000.00} up front and kept denying my offer of {$100.00} a month I can not afford XXXX $ up front so what makes them think I can pay XXXX XXXX They still call and harass me even though I'm making monthly payments that I can afford. also they are not reporting the payments to the credit bureaus.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT BALANCE IS INCORECT AND I HAVE NO KNOWLEDGE OF THIS DEBT. 
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM CREDIT REPORT. 
INVESTIGATE THIS INACCURATE FRAUD ACCOUNT OR DELETE IT FROM MY REPORT.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I requested a payoff for my vehicle loan. Once recieved I wired the exact amount requested on the payoff. US Bank instead of releasing my title to me waited and sent me another bill. I called and informed them I had paid the vehicle off in full on or about XX/XX/XXXX, to which they responded i had met my loan obligation, however they had recieved an invoice from a 3rd party and I would be required to pay it. I advised I had paid my car off in full and they stated this was recieved after I had made the payoff and I would be responsible for that fee as well as another fee for a total of around XXXX. Thus trying to extort an extra XXXX from me in order to get a title to a vehicle I had already paid in full. Please help!!!
Product: Mortgage

My company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed a VA appraisal for Pentagon Federal Credit Union. The appraisal was completed, submitted, and invoiced on XX/XX/XXXX in the amount of {XXXX}, the standard charge for a VA appraisal in XXXX XXXX, Virginia. On XX/XX/XXXX, when payment had not been received, the invoice was resent by email. On XX/XX/XXXX, the email was again resent by email with an added late fee. At no time was a response or payment received. On XX/XX/XXXX, XXXX XXXX, the POC for this appraisal was called. A message was left requesting a return call that day. No call was received. On XX/XX/XXXX, we went to the Pentagon Federal Credit Union website in an attempt to locate contact information that might lead us to accounts payable. After many transfers and 45 minutes on the phone, we were cut off. At this point, the last resort left was to file a complaint through the website regarding nonpayment and upload the extremely past due invoice. 

The results were the same - no response, no payment.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumers report and noticed several inaccuracies an accounts. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for full accuracy. These are the accounts i am asking you to investigate. 1. ( XX/XX/XXXXXXXX account number XXXX ) XXXX. ( XXXX XXXX account number XXXX ) XXXX XXXX XX/XX/XXXXaccount number XXXX )
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX p.m., as shown by the receipt given to me by the ATM XXXX XXXXXXXX XXXX XXXX  XXXX Florida, I made a deposit of XXXX {$20.00} bills, which is equivalent to XXXX, the cashier stayed hung up and took out a receipt already mentioned above with a message that I could not process or return the money that I communicated with the bank. The claim was made to the bank and they stated that it is not appropriate that they can only give me {$280.00}. 
Reason why I am filing this claim, in addition to the fact that they are stealing my money that costs me so much to earn it, they are calling me a thief, I do not agree and I want to take this until they return my money and apologize to me for calling me a liar or thief.
Product: Debt collection

There was more than repeated calling taking place in my situation. I work over night so I sleep during the day and I keep my phone in 'do not disturb ' mode so that my phone wo n't ring unless it is an emergency. Consecutive calls will override the silencing function and cause any repeat calls from the same caller to ring out. In stead of leaving a message in my voice mail, National Credit Systems would place consecutive calls to me so that my phone would ring and wake me up. They would call me from varying numbers with a XXXX area code. I did n't recognize the number and I was trying to sleep so I did not answer their calls until XX/XX/XXXX when they had finally called me during a time when I was awake. I spoke with XXXX XXXX on that day and she told me she had calls and spoken with me on XX/XX/XXXX around XXXX XXXX and that, on that date, I told her I would pay the debt I allegedly owed them on XX/XX/XXXX. She told me that the debt I owed was an unpaid balance from an apartment I had rented with two other people back in XX/XX/XXXX. I told her I had no knowledge of the debt and that when I vacated the apartment in XX/XX/XXXX my balance was paid in full. XXXX XXXX then became angry and essentially accused me of lying about not knowing about the debt because she had a note on the account that she herself spoke with me on XX/XX/XXXX around XXXX at my phone number. She began to threaten to mark the account as a refusal to pay if I did n't give her payment information at that very moment. I told her again I had no knowledge of the debt and that I had no knowledge of the debt but that only caused her to become more angry. To calm her, I told her I would contact my ex roommates for her and have them call her since she had claimed to have been unsuccessful in her attempts contacting them herself. She agreed to hold off on marking the account as a refusal to pay while i attempted to contact my ex roommates. My one roommate posted a payment a little later in the day after speaking with XXXX XXXX and her supervisor, a male whose name I do not know. Before that roommate contacted XXXX XXXX on XX/XX/XXXX I checked my phone records for the day she claims to have spoken with me and I found that there was a call received by my phone on XX/XX/XXXX at XXXX but the call was not answered. I had called her back requesting to hear the recording she claimed to have of the conversation with me on that day but she refused to let me listen to it without a subpoena. I terminated the call, contacted the roommate and informed him about what had just taken place, then I immediately contacted a law firm that specializes in these matters. I could only get a receptionist and I am currently waiting for one of the attorneys to return the message I left with the receptionist. In addition to the above offenses, I never received any written notification of any funds owed and am still unsure exactly what they were claiming I was liable for.
Product: Checking or savings account

On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.
Product: Payday loan, title loan, or personal loan

I paid two separate fees to help process this loan and now they are asking for more fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that Equifax and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report