23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a payment on XX/XX/2020 in the amount of {$41.00}, another payment on XX/XX/2020 for {$25.00}, another payment on XX/XX/2020 for {$12.00} and another payment on XX/XX/2020 for {$15.00}. I don't understand why I still have a payment due on XX/XX/2020 for {$29.00}. I have already made more than the minimum due before XX/XX/2020 however Aspire is still reflecting and notifying me that I have a payment due.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX, XXXX SSN : XXXX XXXX : XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXXXXXX : I recently received a debt collection notice from your office with an account number # XXXX, XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
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 Customer Financial Protection Act ( CFPA ). Specially, 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( Equifax.XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform XXXXredit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX Date Opened XX/XX/2012 Balance {$0.00} )
Product: Credit card or prepaid card

I am going through a divorce, and I am required by law to provide 5 years of credit statements to my husbands lawyer. The divorce is dragging out & getting difficult, and I can not afford to make my minimum payments anymore. I explained this to them right away, and apologized to them a lot. I then explained what I needed to do, 5 years of monthly credit statements ending on XXXX XXXX 2016. The date I called wasXX/XX/XXXX at XXXX XXXX, ( XXXX ) XXXX, the call lasted 50 minutes & 6 seconds ( it 's on my phone ). I was bounced around between 5-6 people, the last one a supervisor, who was very condescending in her tone & attitude towards me. My divorce lawyer clearly explained to me by law the creditor is required to provide me this information. The women who I spoke to, and was suppose to be a supervisor actually said to me I had to provide her with a subpoena for that information! I asked her how was I to serve them from a county court in PA, when I had no idea of their address, or where they were?!! She also did not proved me that information. I had a court hearing in a very short time from then that day, they were the only creditor who refused my request! I had been on my phone forever, was clearly upset & desperate, I begged them over & over for help & compassion, that woman said she 'd put me on hold to help me, after 14 minutes, I had to hang up, so I would n't be late for court. I was so stress out that later on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!
Product: Debt collection

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX code XXXX XXXX ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by consumer, an item of the information-is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XX/XX/2024 amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was totaled in XX/XX/XXXX credit acceptance received payment for the vehicle value. I open the loan with credit acceptance in XX/XX/XXXX the duration of the loan was for three years. However credit acceptance has been illegally reporting missing payments to all three credit bureaus recently being on XXXX XXXX. They still have this loan as being opened and missing payments. I have contacted this company several times and was talked to in a very unprofessional and disrespectful manner. This is going on year five that this loan has been opened which was originally XXXX dollars however credit acceptance has on my credit report that I owe them almost XXXX dollars for the used vehicle that was totaled. This is practicing unfair and disceptive actions towards consumers such as myself. It is illegal for them to report defamatory information to hinder my credit continuously and maliciously with the intent to cause harm or financial gain.
Product: Mortgage

XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. 
Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. 
From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. 
So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment with my debit credit card to Capital One for amount of {$940.00} per my statement for my son, XXXX XXXX car payment. A few days later I did not recognize the payment on my online XXXX account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what they could do. They said they would take care of it and that there was nothing more that I needed to do at this time. So, it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). Capital One has been calling us looking for their money and when they call, we contact the XXXXXXXX XXXX and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and has not again been sent back out. Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing XXXX can do at this time. Capital One has received their monies and nothing they can do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the XXXX payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date 42 days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
Product: Debt collection

I paid off a credit card debt with a debt collector called Portfolio Recovery Associates ( https : //www.portfoliorecovery.com/ ) but I got 2 extra charges and the emails they provide on the website do not work. I have no way of getting a hold of them regarding this matter. Their LiveChat do not work and the 3 emails provided on the website sent me an error message. There was only supposed to be a 1 time charge for {$290.00} on XX/XX/20 but I got 2 more on XX/XX/20 for {$22.00} and XX/XX/20 for {$11.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX account number XXXX, XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number 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. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Information is being reported inaccurately in my credit report. I am asking for verification/ Validation of this inaccurate reporting. My name is XXXX XXXX XXXX and this is not a third person or computer filing these issues. This have caused me several financial woes and I need documentation of these inaccurate reportings immediately. I have been denied for loans several times to do these inaccurate reportings. I have attached documents to these filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Acct # 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 an account with out my written instruction
Product: Payday loan, title loan, or personal loan

I am a qualifying XXXX XXXX service member. Ive provided my enlistment documents, current pay stubs, and. An office letter from my supervising commanding officer proving I am XXXX XXXX. 
However the company continues to deny adding benefits to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the snapshot devices.
Product: Credit reporting, credit repair services, or other personal consumer reports

New American Funding performed a hard inquiry on my profile without my permission. There was no sort of intimation at all. I would like the deletion of this inquiry from my report since I didn't authorize it.
Product: Debt collection

Usautosales went bankrupt the account on my credit is paid in full due to the bankruptcy and westlake portfolio apparently took over the debt from usaautosales but we don't have a contract with them and they have added the payoff to be want I financed my car for a year ago and we can't get our titles
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00} 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX L XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history. from my bank transaction list.

In addition this matter caused my limit to be dramatically reduced from {$4500.00} to {$500.00}. The low limit results in me rarely using this credit card.
Product: Mortgage

I have been trying to obtain a mortgage discharge for an old paid off mortgage and Citizen 's Bank ( formerly RBS Citizen 's has repeatedly lied about taking care of this. They first promised two weeks, then thirty days, then more time. They are holding up the sale of a property. State law here in Massachusetts requires them to respond in thirty days. 
After a loan is paid in full the bank is obligated to issue a discharge. As this is not a profit center the bank is not providing staff to meet its obligations. 
I am an attorney representing the buyer. The seller has had no success going into the branch and asked me to help. I made a written request for a discharge in XXXX. If I, as an attorney, can not get a discharge, imagine how frustrating this must be for peo
Product: Debt collection

Pre-legal department of ACM keeps calling me asking for someone I know. It is a robotic call. The person they ask for does n't live in my home, but has put me down as a reference without my knowledge. I have no idea who this company is or what this is about. It is not my debt! I 've asked them XXXX to stop calling me ( XXXX/XXXX/15 at XXXX central time and XXXX/XXXX/15 at XXXX ). When I contact them they are rude ( over talking, raising their voices, asking me if I would loan ... money ) and say they 've taken me off their list, but they continue to call. This constitutes harassment in my book. I want them to stop calling!