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

In accordance with the fair credit report 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 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 rented at XXXX XXXXXXXX XXXX XXXX XXXX  for one year. I moved out early because the landlord wouldnt fix the boiler and it had been stuck on for months and I made several complaints. I had to sleep with the windows open and the ac on in the winter and would come home to a XXXX degree home. It was now the summer so I moved out early ( in XXXX ), and then paid XXXX rent. My lease was up in XXXX so I decided not to pay it as I believed my deposit would cover the last months rent and had received in writing from the property manager that the apartment was in perfect condition. I did not trust the landlord to send me my deposit in the mail after paying the last months rent because they had not fixed the boiler for 6 months. However, the security deposit did not cover the last month of prorated rent because the landlord cleverly only charged {$500.00} for the deposit and then had other charges to cover the rest when I moved in ( ~ {$170.00} admin fee, application fee, and other misc. fees ). 

After not paying last months rent, I never received a single communication from the property manager or landlord. I did not receive a call, text, email, postal mail, etc. On XX/XX/XXXX I received an email from National Credit Systems notifying me of Documents Ive requested, I had never heard of National Credit Systems, not have I requested documents from them. The letter stated I owe {$390.00} and that it was 30 days past due. Additionally, there was no contact info to dispute the charges with XXXX XXXX, National Credit Systems, or the property manager. Someone on behalf of the creditor waited 30 days to notify me so I would be unable to file a proper dispute. I responded to the email and copied XXXX XXXX stating this and that the charges were wrong. 

The math used to calculate prorated rent was incorrect and they charged me an additional {$95.00} for turnover cleaning charges, even though the property manager, XXXX, stated it was in perfect condition. I tried calling XXXX XXXX and no one would answer. No one has responded to my email either. 

I have prepared a correct calculation of the prorated rent, XXXX XXXX claimed to prorate rent for 25 days, but upon doing the math myself, it was not 25 days.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I believe the account is invalid. CAPITAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ACCOUNTS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian that a debt collection account was in litigation. Experian allowed XXXXXXXX XXXX to report negative info in my credit report about a debt they purchased during the lawsuit and after the case was dismissed in my favor. I sent Experian copies of the pending litigation and final results of the case asking them not to allow XXXX to report negative info pending the outcome of the lawsuit. Experian investigated the dispute but dud nothing about it. The sent me credit card offers instead of dealing with my dispute. I think pushing credit card offers is a conflict of interest since they mange credit reports and scores.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Non-Action on a Credit Dispute Dear Sir or Madam, I am writing to file a formal complaint against Experian for their handling of a recent credit information dispute I submitted. Despite my efforts to correct inaccuracies on my credit report, Experian responded with an email that denied action on my request, citing a lack of direct authorization from me. This response not only disregards my rights under the Fair Credit Reporting Act ( FCRA ) but also prevents me from addressing potential inaccuracies that could affect my financial health adversely. 

Details of the Incident : Email Received : I received an email from Experian on [ insert date of email ], which stated they had received a request regarding my credit information that they believed was not sent directly by me or authorized by me. 
Experian 's Action : As a result, they did not take any action on the dispute I raised. The email directed me to either call a provided phone number or visit their website to submit disputes directly. 
Concern : The email implies a dismissal of my initial dispute without a proper verification process, which is concerning as it directly impacts my ability to correct my credit information efficiently. 
Response Requested : Verification of Submission : I request the CFPB to ensure that Experian verifies whether the dispute was indeed submitted by me and addresses the dispute as required by law. 
Review and Correction : I urge a comprehensive review of the purported inaccuracies on my credit report and ask for corrections as per the findings of a thorough investigation. 
Documentation and Confirmation : I seek written confirmation from Experian detailing the actions taken in response to this incident and the outcomes of any subsequent investigations. 
Ensuring Compliance : I request that the CFPB ensure Experian adheres to the FCRA and other relevant regulations concerning consumer disputes and their rightful processing. 
Enclosed with this letter are copies of the correspondence from Experian, evidence of my initial dispute submission, and other relevant documents supporting my claim. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance in ensuring that my credit information is accurately maintained and that my consumer rights are respected. 

Sincerely,
Product: Credit card

Capital One now has Kohl 's credit card. I already had a Capital One through Walmart. Now, I can not get through the automated system to create, check or confirm payment status. If I call their automated system, I it does not recognize the card I am calling about. It says that it can not understand or hear me, even though I am using the keypad. When I ask to speak to a representative, it repeats the request for me to ask for a representative or enter any number. Then it tells me it can't hear me and there must be a problem with the connection and, instead of shifting to a representative, hangs up. The phone number on the back of the credit card no longer works. I try to get into the computerized system, it doesn't recognize the information and wants the security code to a credit card number that isn't mine, even though I have already verified my identity with my name, social security number, and date of birth and address. This not only happens on my Capital One/Walmart card , it also happens on my Capital One/Kohl 's card. This is happening every time I try to go into the card and began when Capital One took over Kohl 's credit cards. Note, I did not ask Kohl 's to sell their credit services and had I been asked if I wanted to remain as a store only card OR have another Capital One, I would have said no to a second Capital One linked to Kohl 's.
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 violates the Customer 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 disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Act ( EFPA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

XX/XX/XXXX  Fraudulent inquires on my credit report that I didn't Authorize.
Product: Debt collection

I received a letter from XXXX XXXXSynergetic Communications, Inc. 
stating I owed a debt that does not show up anywhere on my credit reports and that I have 30 days to contact them to dispute before I make any attempts to tell them I do not owe I was told to contact you guys because this company has sort of a history of trying to collect on bad debts or outright false debts. 

they state payment must be made by XX/XX/2021 the full amount listed that they claim I owe is XXXX but they have a one time special offer of XXXX to pay it off in full, they state the original debt is through XXXX XXXX XXXX  which I also do not recognize. 

I should add they also have many reports on XXXX  with similar complaints regarding them just tossing claims out and hoping it sticks I pay what I owe but I don't owe this and I want them to leave me alone.
Product: Credit reporting or other personal consumer reports

Enroll now to pay less than the full balance you owe Dear XXXX XXXX XXXX, Your account ending in XXXX charged off on XX/XX/XXXX with an unpaid balance of {$1000.00}. 

You're still responsible for this debt, but if you enroll now in a less than full balance offer, you will pay {$270.00}, which is 25.00 % of the unpaid balance. 

Once you've paid this amount, your remaining balance will be reduced to {$0.00} and all collections activities will stop. 
Your payment options : You can make one payment of {$270.00} by XX/XX/XXXX You can make monthly payments of {$45.00} by XX/XX/XXXX This agreement is not complete until finalized by us in our system which could take up to 10 days after your last agreement payment has cleared. I paid it XX/XX/XXXX Experian will not fix the account late changes off the account should not be showing a charge off I sent paper work the card was used by someone
Product: Debt collection

Wakefield and Associates, Inc., a national debt collector, is attempting to collect on a debt that i have no knowledge of. I never did business with this creditor, XXXX XXXX and, therefore, no account or contract exists to be sent forcollections. The alleged debt is about {$3000.00}. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therfore exists. ( Please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$580.00}, XXXX XXXX balance {$5100.00}, The XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX XXXX balance {$3100.00}.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX  XXXX "
Product: Credit reporting

Transunion refuses to correct or to add the following comments to my credit 
report on an inaccurate item that is being reported by XXXX.
"XXXX Services acquired a XXXX mortgage loan position in XX/XX/XXXX from XXXX.  No payments were made on the XXXX or XXXX mortgage loan on this property (XXXX) to any lender after XX/XX/XXXX. The loan balance on this loan was zero as of XX/XX/XXXX and, as such, there is no actual payment history with XXXX in XXXX or XX/XX/XXXX, all mortgage loan obligations in Arizona are discharged at time of foreclosure and court issuance of Notice of Trustee Sale." There was no loan balance to be acquired nor was there any balance on the loan for XXXX to transfer to XXXX.
XXXX and XXXX removed this item from their credit report as a result of documentation provided to all XXXX credit agencies. Transunion refuses to respond and and also refuses to add my comments.
Product: Mortgage

I submitted a mortgage modification application for the mortgage on my primary residence at my first foreclosure settlement conference which was XXXX XXXX, 2016. The bank was instructed to send me a missing documents letter on, or about XXXX XXXX, 2016. Instead of requesting documents, I immediately received a denial, dated XXXX XXXX, 2016 stating that I would not be reviewed or offered any other modification because I previously declined a forbearance plan that was offer which the servicer feels was affordable. The forbearance offer was for 6 months and I could probably have made the payments somehow to save my property. The problem is that I can not make a {$10000.00}. down payment, and 6 months trial payments to possibly get a modification with a balloon of {$130000.00}. I am recently widowed, have XXXX children depending on me for financial support, XXXX of whom is in college full time and the down payment is just not a realistic option at this time. They did not even consider other options according to the letter. I want to pay my mortgage but I would like to be considered for a reasonable modification that is not going to jeopardize my ability to support my family.
Product: Credit reporting or other personal consumer reports

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 an 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every so often I get phone calls about an auto loan I have had with Santander Consumer and that I owe the company the remaining balance for a default loan that went into repossession. I have reached out in the past to Santander as well as today as far as this and they stated then as well as now that the account was closed and sold off to a 3rd party. I went to court in 2016 in regards to the past due balance and currently making payments still with the same company so I am unsure as to why I am getting these calls still but I have been getting these calls every few years since 2016 and this being processed in court.
Product: Student loan

A few weeks ago (X/XX/2017)) I got a letter from a collection agency telling me that my creditor for my student loan wanted the full amount that I owed them. The last time I heard from this company was in XX/XX/XXXX stating that I owed them $XXXX, which I paid. I have also been paying them regularly ever since. The letter told me that the account was placed in collections on X/X/2017, however I never received any written notification (either by email or regular mail) of the company's intent or options available to me to collect the money owed to them. The letter doesn't even tell me the original company that gave me the loan, therefore I cannot even contact the company to talk to them about the matter.