23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Well credit acceptance repossessed the car after I tried possessed the XXXX sold it and what's me to pay the defiences. Now I believe that credit acceptance violated my rights under the 15 u.s.c 1681 common know as the fair credit report.
Product: Student loan

I contacted Sallie Mae to request some relief when I could not make $ XXXX/month payments on a XXXX % private student loan. Asking if there was any way to lower my payments I was told that I could enroll in auto debit to save .25 % on my interest. I told them that that would not help. I was then told that I would have to miss payments and go delinquent on the loan before they could offer me any additional assistance. After I missed my first payment I called again and was told that I would have to get current before they could offer me any relief. I did n't have the {$200.00} that I owed them now they wanted {$400.00} before they would discuss relief. I missed an additional payment and called them a third time. This time I informed them that I was recording the call to keep my own records because I believed that I could not rely on them to work with me to offer realistic solutions. They refused to speak to me while I was recording and disconnected the call.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of XXXX XXXX XXXX which is inaccurately reported on my credit file. I have requested an update on status of this investigation in writing and via telephone but I have received no update as of yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX-XXXX  : XXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be.

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. 

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim of XXXX data breach and TRANSUNION has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. TransUnion inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted a dispute to the bureaus. The companies have not looked into my dispute whatsoever and it has been over 30 days. You guys are in violation of the FCRA pursuant 15 USC 1681i. Please remove these items from my credit report immediately.
Product: Mortgage

Sir/Madam : See previous complaint # XXXX. These are additional documents to initiate a second complaint. 
My housing councilor of the XXXX XXXX XXXX XXXX, XXXX XXXX received information by his phone call on XX/XX/XXXX to State Farm 's representative XXXX, prior to the XX/XX/XXXX concerning denial of Loss Mitigation/Modification. The company at the time could not give reasons for the denial and knew of the denial long before the XX/XX/XXXX. Neither, did they informed you of a decision, that was made to be reviewed on line. 
I am XXXX and on fixed income and use XXXX for the legal side. 
The letter is dated XX/XX/XXXX. I received by XXXX XX/XX/XXXX XXXX the denial letter with explanation. See attachment. 
t has come to my attention, XXXX XXXX is the owner of the Mortgage and they stated, current loan terms were the most favorable and their address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I disagree. Their proposal does not match fixed rate of 4.125 %. See initial documentation.

I have to XX/XX/XXXX to appeal. Sale date is XX/XX/XXXX.
Product: Credit card or prepaid card

Dear CFPB representative I have been a American Express card holder for over 20 years and it appears that somewhere in the process they move my purchases over to a cash advance apr, I have never had a cash advance with American Express, please help me to resolve this issue, I am sure I am not the only customer this has been done too.
Product: Mortgage

A check was sent out to me amount of XXXX for surplus in escrow on XXXX I tried to cash it and bank sent it back I called the company and spoke to customer service they said that a direct deposit will be issued in 5 buisness days I waited over 2 weeks and nothing I called back and someone else told me a different situation chase sent me back the check I tried to deposit and it bounced I called them again and the lady that picked up was confused is nasty and with a bad stitched and was treating like a animal everytime I call I get a different answer and now Im left with bounce check fees and confusion on who to believe
Product: Checking or savings account

I have on multiple occasions tried to borrow money from cash lending apps such as XXXX. In the past with other banks, I have not has an issue. While trying to access my financial data, there is an error on the banks side. I would like it to be easier to use these services and be able to access my data through these services.
Product: Bank account or service

the bank of america locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Bank of America Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Bank of America XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!
Product: Mortgage

Nationstar Bank has failed to close the satisfaction of mortgage and is preventing me closing on a home. Mr Cooper the server, have also failed to complete and register the title, failed to close out the title to the previous owner.
Product: Debt collection

I scheduled a doctors appointment but ended up canceling it. Despite this, the medical office billed me for the visit. Since no services were rendered, I am disputing the charge. I have initiated the dispute process with both the credit bureaus and the medical office to resolve the issue. The date of the scheduled visit was set for XX/XX/year>, however, I called in advance to cancel the appointment with the office clerk. They confirmed the cancellation of my appointment and that I would not be charged as there were no services rendered. The original medical company later underwent a merger/acquisition, and it was then when my scheduled visit was charged against me. The credit bureaus were alerted and now we are pending Account Resolution Corporation to drop the charges, but the charges continue to reflect on my credit report. I have evidence that I was not in for service on the date that I am being charged for as the original company went through a merger and a billing error caused the invoice to generate to charge me.
Product: Credit reporting or other personal consumer reports

Capital One Financial reported delinquent 30 days which I was not.
Product: Credit reporting

It seems that I am going to need to speak with an attorney in regards to the fact that XXXX XXXX and Equifax will not remove this account that is fraudulently on my credit file. I 've already make 2 complaints with your organization and nothing is being done to assist me. Here is my 4th letter to Equifax and the office of the attorney general : This letter is being sent to both parties : the office of the Attorney General as well as Equifax Information Services. This is now my 4th letter in regards to accounts resulting from identity theft reporting on my credit file and although XXXX of the accounts has been removed, this XXXX XXXX XXXX account # XXXX remains. I still have not heard back from the AG 's office and I continue to receive letters from Equifax stating that this information has been verified. 
I will make this very clear : # 1 I did NOT apply for, open, obtain, maintain, make payments on an account with XXXX XXXX XXXX # 2 I am a victim of ID theft # 3 I do not have a vehicle with this company # 4 My name is NOT XXXX XXXX. My name is : XXXX XXXX XXXX XXXX and that is how all of my debit and credit cards state # 5 XXXX XXXX states that the person making payments has the name of XXXX XXXX listed on the payment card and there are XXXX people with the same name - it was NOT ME # 6 I already stated that I do n't care if this vehicle, that I do n't have, is repossessed, if an APB is placed on this vehicle : I do n't have it, I never had it, I did n't apply for it, I have n't been making payments on it and the person who obtained this loan had my identification and other documents. 
# 7 I requested the documentation verifying this account as mine and I received nothing - in XXXX V XXXX, 1997, it states that if XXXX had acquired the actual documentation for the account and had done a handwriting analysis that they would have known that the consumer did not open the account. Congress also rejected what TransUnion stated when they said that the burden lies on the consumer to deal with the issue. 

This is not my job - this is YOUR job and you 're doing nothing to assist me! This is why the FCRA was enacted in the first place - because of the ABUSE by the CRA 's! 

Please block these within 4 business days under FCRA 605B and provide a full investigation : XXXX XXXX XXXX XXXX - I did not open this account ; block this pursuant to section 605B within 4 business days - I already told you that my car was broken into and that someone opened this using my information
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : Department of EducationXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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
Product: Credit reporting or other personal consumer reports

These companies ran my credit without permission and without my acknowledgment. I did not apply nor did I approve them to do so.
Product: Mortgage

I bought a house on XXXX 2014 and I was presented with a property tax certification of {$0.00}. In other words that the house did n't have any tax debts. Later I received invoices for property taxes XXXX years before the closing date. Since this was a foreclosed house I contacted the bank that sold it to me and they said I was responsible for paying all those property taxes.
Product: Credit card or prepaid card

On XX/XX/XXXX I accidentally made a double payment on my XXXX XXXX Credit Card. The week of XX/XX/XXXX, I called customer service to request a refund on the overpayment. They acknowledged my request and informed me that I will receive a check with my refund within 14 business days. 

14 business days passed and there was no sign of a refund. I called customer service and they recognized that no check had been sent in error. They apologized, and said that I should see a refund in 7 business days. On XX/XX/XXXX, my overpayment was credited against my account ( returning it back to a XXXX balance ) I waited until the week of XX/XX/XXXX for the check. Nothing had showed up, so once more I called customer service. Again, they apologized and recognized that no check or deposit had ever been initiated for some mysterious reason. The representative did not explain why, but told me they would escalate this issue and I should have my refund within 14 business days. 

14 business days passed without any sign of my refund. Once more, I contacted customer service on XX/XX/XXXX and they informed me that I needed to wait another 24 business days to receive my refund ; however, when I called a different representative, this agent told me that a check was actually in the mail for me and I should receive it by XX/XX/XXXX. 

It is now XX/XX/XXXX and I have no sign of the check. It has now been over 55 business days since I made this refund request.
Product: Credit reporting

I was not notified of a change in my mortgage amount to increase the escrow balance. I did not receive an answer to my email when I enquired why the on line amount for my mortgage due had changed. I never received any written notification that my mortgage had changed. So because on line info is often slow to correct, I ignored it for XX/XX/XXXX and paid my normal mortgage amount. When my online statement showed an even greater balance due in XX/XX/XXXX, I called the bank, found out the error, and paid the difference owed. They did not inform me at that time that my previous mortgage payment was applied to principle, not credited as a mortgage payment so I remained delinquent even though I paid the amount owed. That was reported to the credit bureau because they do not record partial payments of mortgage payments that are more or less than the exact amount. So for three months, I did not know about the error, and did not correct it until a collection agency called in XX/XX/XXXX to collect my XX/XX/XXXX mortgage payment. I was able to correct it all with the bank but they would not change the report to the credit bureaus because they said it was my error. 

You can see on my banking statements that I paid {$1400.00}. to my mortgage account XXXX in XX/XX/XXXX, and XX/XX/XXXX, then {$70.00} extra in XX/XX/XXXX and the rest of the balance due of {$1600.00} to cover the difference between {$1400.00} and {$1500.00}. the XX/XX/XXXX partial payment went in as reduction in principle and when I paid the extra amount owed, no one told me it did not fulfill my p=mortgage payment for XX/XX/XXXX so that delinquency remained on my account and was reported to the credit bureau. All finance charges were reversed, and XXXX acknowledged never answering my email inquiries or sending me notification of the mortgage payment change. They said it is my responsibility to find out about changes and prevent partial payments.
Product: Debt collection

Equifax XXXX XXXX XXXX XXXX. 
Subject : Dispute of Collection Account Reported by XXXX XXXX XXXX XXXX. 

Issue : I am disputing a collection account reported by XXXX XXXX XXXX XXXX for {$730.00}. I have no knowledge of this debt, and it appears on my credit report without my authorization or verification. 

Details : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX - XXXX I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). This account may have been added in error or could be a result of identity theft.

Desired Resolution : 1. Validate the debt and provide detailed documentation showing I owe this amount.

2. Remove this account from my credit report if validation can not be provided.

3. Update my credit report to reflect accurate information.

Impact : This inaccurate collection account is severely affecting my credit score and financial standing. I request an immediate investigation and resolution. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to 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 finical loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I do not have any contract with this company and they are alleging I have a debt with them and have violated my laws attempting to collect this illegal debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct this account : XXXX XXXX Balance Owed : {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collector is called Atlantic Recovery Solutions. Calls from the number XXXX. They kept calling me about a debt that didn't exist. When I blocked them, they started calling my family members, such as my mother-in-law. When I called them to stop it, the woman on the phone started yelling at me, telling me to shut up.
Product: Credit reporting or other personal consumer reports

I was completely shocked and dismayed to find that inaccurate accounts suddenly appeared on my credit report this morning. Ive been checking my credit report regularly, and this is the first time Ive encountered such discrepancies. I tried refreshing my browser thinking it might be a glitch, but the errors remained. Given this, I urgently need the documents I've submitted to be thoroughly reviewed so I can stop worrying about this issue.
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  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act 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