23daVinci/CFPB_Complaints huggingface dataset:
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. 
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 
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.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681c-2 : Block of information resulting identity theft.

15 USC 1681n : Civil liability for willful noncompliance.

15 USC 1681o : Civil liability for negligent noncompliance.
Product: Checking or savings account

I received a text message that there was an attempt for a transaction. Message was as follows : " USAA Fraud DepXXXX : Did you attempt a transaction with XXXX on XX/XX/2022 for {$530.00} yes, reply 1, No, reply 2. Reply STOP to opt out. HELP:XXXX  ( XXXX ) XXXX '' I replied 2 and immediately received a call that was from my banks 800 number. The lady asked for me and I replied that I was the person she named. Then asked if I authorized a payment, I said no. She then proceeded to assist with stopping the payment, she told me that my card was not deactivated and said my new card would be sent to my address ( which she knew ). I asked what card and she replied with the last 4 of my card number. She then asked for my phone code and I gave her a number that I don't think is my phone code. She also asked for my USAA number which I stupidly gave her because I was in a panic. After realizing what I had done, I called my bank and reported, they flagged my account and assisted with my security preferences.
Product: Credit reporting

Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX BANK. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX BANK and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )
Product: Checking or savings account

On XX/XX/2018 I was paying my rent via my apartment complexes online at https : XXXX I was trying to submit my half of the payment for rent which is XXXX. While trying to pay only my half, the online portal then took out the full amount and put my account into overdraft. I immediately called TD Bank to tell them that this was an accidental transaction and to put the funds back into my account as soon as possible, as well as to inform my apartment complex about the transaction even though they assured that they do no provide refunds even though they knew of my situation financially. That same day TD Bank then told me to provide documentation regarding this transaction to their Disputes and Claims department via Fax number XXXX. I called a representative thinking that I had enough documentation to resolved this issue, this costumer representative was obviously extremely ignorant and incompetent, because a few months later on Tuesday XX/XX/2018, I wake up to see {$1000.00} taken out of my account and my account put into overdraft a week before the XXXX season. The overdraft fees then piled up to an extreme amount of {$350.00} ( which I only have received {$170.00} ) and I also had my whole paycheck in the amount of $ XXXX go completely to overdraft fees. In the beginning of XX/XX/XXXXafter New Years Day, I went straight to a branch to resolved this matter because I received a phone call from the Fraud Department ( which this was not a case of fraud by any means ) saying that they did not get all the listed documentation I needed to provided even though I faxed it to the Claims and Disputes department weeks before hand. Upon arrival not only am I in line waiting to send these documents before XXXX, as soon I get a chance to speak to a teller and tell this individual my situation, I get interrogated and somehow my roommate is dragged and she has the nerve to blame him fort their mistake. This is not how customer service should be, and I want all my money back in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$3200.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I mailed a letter to Equifax regarding the overland bond. This account was previously disputed and removed from my credit report. However, it appeared on there again. I submitted them documentation from them that this account has been removed previously but no action was taken. I also sent them a police report as instructed by them for unauthorized inquiries on my name, No action has been taken with that as well. Today I received an email with an updated reported to find that XXXX other accounts XXXX XXXX and XXXX XXXX have been placed back on my report as well. I 've attached documentation for XXXX XXXX and XXXX to show the accounts were removed. I 'm unable to open the document to provide for XXXX XXXX as it is outdated on Equifax site. According to FCRA Equifax is suppose to give me a five-day notice if they are placing anything on my credit file which was previously removed. I did n't get any notice just the accounts placed back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act of these companies has violated my rights. 

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

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies. 

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

XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX XXXX on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FOR Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit card or prepaid card

Bank of America charged our credit card with unauthorized and unknown amounts. They were notified and issued a new card and a credit in XXXX for XXXX. They then reapplied the charges in XXXX with no information and billed another XXXX transaction. They now call 4 times a day to the corporate office
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved immediately. The following accounts needs to be corrected immediately : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$23000.00} ; XXXX, XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$530.00} ; XXXX, XXXX XXXX Opened XXXX XXXX XXXX Balance {$150.00}.
Product: Debt collection

I sent Medical Data systems a request to cease communications and to provide me with the documentary evidence that I owe the alleged debt listed on my consumer reports and they never responded OR ceased communications and are still illegally reporting the debt. The FDCPA states that the word communication means " the conveying of information regarding a debt directly or indirectly to pay person through any medium ''. This means when I said to cease communication, that meant relaying this alleged debt to the consumer reporting agencies as well. 

Please also note that they are REQUIRED under the FDCPA to remove ALL accounts if they are not able to provide the verification or judgement pursuant to 15 USC 1692g.
Product: Checking or savings account

On XX/XX/2023 I took my XXXX XXXX XXXX son to the bank to withdraw some money. I came into the bank about 10 or 15 minutes after him. I walked up to the teller with him waiting. I said he has an account already with you it's a joint account with me My son said I closed that account. The teller said yes the joint account is closed. So I'm standing there in shock like huh..what..how. My son said he opened up another account. Okay fine but nobody told me I didn't have a checking account.So I said wait a minute M & T sent me a new card, and I didn't activate it and was going to call and ask why I have a new card. Nobody told me..at this point I'm confused. Why would they closed my account without notifying me. I asked the girl why would y'all do that without contacting me. She says.she don't know.. ( like she's just a bank teller. ) And before I found all that out I said I'm going to deposit {$25.00} into that account..then I ask her why did you send me a new card. She ask me did I activate it..I told her no because I was thinking something is weird and was coming in to see if it was from M & T Bank a real card. She says yes and I showed her my other M & T card I received earlier this year..so now I'm confused. She checked it and said oh this is linked to your savings account which I don't really use.And I asked her what is the new card you sent me for she said oh that card is a savings card too. Unbelievable why would I have two new savings card.Then she asked me oh do you want to open up a Checking..I told her No, I'm Done!.. And the office manager XXXX lady looks at me surprised and like the UT ole look. She heard me when I said so y'all closed my checking without me..no notifying me. They didn't notify me when the account was closed or nothing. My XXXX XXXX XXXX son came in opened up an account with a large personal injury check and all they seen was a large transaction for their bank. And whatever he says.. Okay sir. They threw me to the curb back stabbed me didn't say well your mom needs to sign to close this account. Or just took his name off the account and left me with my checking account. I'm so upset how they done that to me. I had plans to deposit a sum if money next month. Guess not! They disrespect me and let a XXXX ; year old just come in and close accounts without asking for the other party.
Product: Debt collection

PORTFOLIO RECOVERY AND XXXX   XXXX  CONTINUE TO CALL FREQUENTLY ( SOMETIMES 5 TIMES PER DAY ) EVERYDAY AFTER BEING TOLD TO STOP CALLING!
Product: Mortgage

B of A has put me on the corner with high mortgage rates causing me to lose my home. I have four mortgages including line of credits with B of A since years ago. I tried twice to refi them with the same bank to lower the rates and different terms but B of A unfortunately refused to do so due to their substandard management, processing and underwriting Dep,, although my credit is good. According to their underwriting guide lines I am qualified to pay almost {$7800.00} per month for about {$880000.00} loans but I am not qualified to pay about {$5000.00} per month for the same amount of loans at lower rates and different terms.
Product: Debt collection

XX/XX/XXXXWe recently contacted California Department of consumer affairs regarding a vehicle we bought in XX/XX/XXXX  from XXXX XXXX XXXX XXXX through West lake financial we made about six payments and now on the vehicle and then later we found out the vehicles have alot of recalls more then 10 the dealership which did not disclose about the safety recalls that was on the vehicles so we did a voluntary repo in the which Westlake financial took possession  of the vehicle and sent it to the Auto auction they sold the vehicle for Less then what it was worth and know we are being sued by Westlake financial for the remaining of the balance
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 financial loss, and I seek appropriate redress for this violation.
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.

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

15 U.S.C 1681 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 the information is inaccurate. 

XXXX XXXX  - account # XXXX XXXX  XXXX XXXX  XXXX  - account # XXXX XXXX  - account # XXXX Has violated my rights.
Product: Credit card or prepaid card

I received a notification on my credit report indicating that there was an inquiry on my report from Capital One. I called to check the application service, there is an application pending for credit card, which I never applied. So I believe my identity was compromised.
Product: Credit reporting

Transunion is reporting XXXX property tax liens on my credit report from XXXX. 
These are not mine as I have never owned any real estate property in XXXX. In fact, I have never even visited this state or done any business there in my life. I have disputed this with Transunion but they stated liens were verified as valid and refused to remove. Please help. 
XXXX XXXX RECORDER XXXX - Docket # : XXXX XXXX XXXX - RECOR - Docket # : XXXX XXXX XXXX XXXX XXXX - Docket # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to credit karma XXXX  I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with XXXX with the XXXX  at this time is this a comeback on me for disputing them .I feel they play games with consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 

15USC 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. code 1681a- Definitions ; rules of construction- Exclusion.-Except as provided in paragraph the term '' Consumer Report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX XXXX is a collection agency located in XXXX, New York between XXXX and XXXX I was relentlessly harassed and threatened until I filed a complaint with the New York and Ohio Attorney general 's office as you can see from the document I'm submitting they not only called and harassed me but they called and harassed my elderly father and brother threatening to have me thrown in jail. The outcome was that XXXX XXXX XXXX put a cease-and-desist on my account and no further contact was to be made with me and when I would decide to settle the debt when I could. As retaliation XXXX XXXX XXXX sold this account to another credit agency UHG I LLC without my knowledge. UHG I LLC is now suing me for the debt. The original creditor of the debt is XXXX XXXX XXXX for the amount of {$2200.00}. In the court summons UHG I LLC is threatening garnishment. I have had no contact with UHG I LLC regarding this debt until I receive the court summons on XX/XX/XXXX. There has been no attempt to collect the debt from UHG I LLC. I don't even know who they are. Last I heard the debt was with XXXX XXXX XXXX. In the court summons UHG I LLC submitted a bill of sales for this account on or about XX/XX/XXXX not from XXXX XXXX XXXX but from the original creditor XXXX XXXX XXXX XXXX to UHG I LLC which is untrue. It just seems like the debt is being bought and sold from XXXX debt collection agency to another without my knowledge until finally it got to a debt collection agency UHG I LLC who would who would sue me for the balance this company is known to sue people and XXXX XXXX XXXX knew what they were doing when they sold the debt to them. XXXX XXXX XXXX did not want to resolve debt. On multiple occasions I made attempts to settle the debt before it went to collections with no resolve. The debt was sold XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX without my knowledge then it was sold from XXXX XXXX XXXX to UHG I LLC without my knowledge who is now claiming that they've bought the debt from the original creditor XXXX XXXX XXXX  which is a lie.