23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> at approximately XXXX I attempted to deposit {$950.00} cash into my XXXX checking account at a PNC ATM located at XXXX XXXX XXXX XXXX KY. I had made deposits and withdrawals at this ATM into my XXXX account before but this time was different. After the cash was put into the ATM I received the error " Your card can not be used at this ATM. Please use another card. '' The ATM at this point attempted to refund my cash but was unable to do so. I instead received a receipt which is attached proving my attempted deposit. I have contacted both PNC and XXXX multiple times and each time they tell me they can not do anything and to contact the other bank. This situation leaves me with no other option but to get a higher authority involved to resolve this situation. Please help, thank you.
Product: Debt collection

In XXXX of XXXX I paid my deceased mothers property tax I got behind the year XXXX XXXX and XXXX I went to the county to make payment arrangements and they sent me to the collecting attorney linebarger I paid XXXX towards XXXX in 10 months time then they sent me a bill for XXXX something more I called the appraisel office and asked where did the money go They hung up on me and call the collecting attorney The collecting attorney calls and says they are going to file in me I thought ok the judge will look at my receipts and help me I find out about court myself was never served never told anything about it I went to court on XX/XX/XXXX and had my receipts and my oncologist filled out a XXXX XXXX exemption form The judgment was already made up BEFORE I even got to court I asked the judge why I was never in formed of the hearing and he help up a paper on a small screen and asked if that was my signature I replied it looked like my signature but I did not sign anything ( it was a waiver ) I noticed when I got home my name was spelled wrong Anyways the judge put a judgment on my house he didn't even look at my paper work The attorney charged me 5 times for the year XXXX and nothing got applied to taxes I am worried that the attorney did not post the XXXX I paid again so they can do a writ of possetion They were also aware that I had the Texas XXXX XXXX XXXX helping me They were just waiting till I got the amount figured out which did not happen The th as paid the whole XXXX Please help me if you can I
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was unable to temporarily lift my EQUIFAX security freeze via my landline phone, to apply for one credit card the next day. Their automated system requested a cell number ; I do not have a cell phone. I then spent hours on the phone with Agents in the XXXX. They told me to open an online account ; NOT gon na do that, because of their incompetent and reprehensible service. I then answered Agent questions : Name plus spelled out ; Social Security number ; Address plus spelled out ; Date of birth ; Phone number. I am a retired military spouse ; we have lived in the same home for decades ; no changes. 

First, they said their system was down, and to phone back in a couple of hours. In subsequent calls, I answered the same questions while struggling to understand their geographical accents ( I am hard of hearing ). They no longer use the PIN they generated when I initially placed my freeze, via my landline phone, after they finally made consumers aware of their egregious electronic breach of XXXX XXXX Americans. I was then told they could NOT temporarily lift my freeze, but instead to fax them copies of my Driver License and Social Security card with a cover letter ; I do not have a fax. Lastly, I was instructed to mail the requested documents via U.S. Postal Service from California to Georgia ; then wait three business days after their receipt of my slower coast-to-coast mail, and who knows how long that might take. I requested a Supervisor, but was denied.

The Federal Trade Commission ( FTC ) states, " If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. '' And the EQUIFAX Agent 's reply to that was, " We're a private company. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Debt collection

On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from LJ Ross Associates. It's a collection for a XXXX XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$410.00}. I'm asking that this account be removed immediately as this is fraudulent!
Product: Mortgage

On XX/XX/2021 a " hazard insurance '' fee was posted to our account in the amount of {$1900.00}. We called numerous times to figure out what this charge was since we called our homeowner 's insurance company and they verified that it was not from them. We made four calls to Freedom Mortgage trying to figure out why we were being charged this amount and nobody could tell us what it was for. We were charged a {$60.00} late fee, and our XXXX payment was put into escrow causing a non-payment because we did not pay this additional fee as we did not know what it was for. On XX/XX/2021 I finally spoke with a manager who said they took off our homestead act documents in error. They said they would reverse this error, however we had to pay the additional monies or our account would be in default. We were forced to pay the money and were told we would not get it back until we close our account with Freedom Mortgage. Again this month we were charged as if we did not file for the homestead exemption even though they have our documents on file. We will be in default again if we do not pay this money. 
We need help. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802
Product: Credit reporting or other personal consumer reports

Request for Investigation of Identity Theft and Data Breach. I learned that my personal information was compromised during a data breach on XX/XX/year> at XXXX, and XXXX XXXX XXXX base, cybersecurity attack infecting nearly XXXX XXXX people personal information as well as social security numbers. I am writing to formally dispute inaccuracies on my credit report due to identity theft and a recent data breach that has affected my personal information. I discovered that unauthorized accounts have been opened in my name, which I believe are a result of this breach. I did not provide written or oral permission/ instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

The identified accounts are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602A States ; I have the right to privacy. 15 USC 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish the account without my written instructions. 15 USC 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 reporting by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) ; A person should 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 was a victim of identity theft after subscribing to the credit monitoring offered through Experian. I was injured as a result of ongoing identity theft and insurance fraud. The data breach costing these errors occurred after purchasing identity theft protection through Experian.
Product: Vehicle loan or lease

I, XXXX XXXX and natural person, was denied credit by Ally Financial when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. This is a when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611.

You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Ally Financial due to the response I received.

Ally Financial is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial 15 U.S.C 1602p. 
If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXXXXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, LLC. ) to equal 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.
Product: Credit reporting

Equifax will not remove my ga state paid tax lien from XX/XX/XXXX. It 's been 7 yrs and it should come off. All other credit agency 's removed it with no hesitation.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau XX/XX/XXXX Re : Ally Auto Finance I need your help. Ally Auto Finance has hidden charges in the XXXX XXXX Contracts. 

Permit me to explain. On XXXX of XX/XX/XXXX I entered into an Auto Finance Contract with Ally Auto Finance via XXXX XXXX XXXX, XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. The interest was supposed to be 7.09 %. 

However, Ally Auto Finance has instituted some creative Finance Charges in addition to the Interest Charges. This is totally Ludicrous and highly Unethical. 

I am not paying 7.09 %, I am paying 7.09 % + a fabricated Finance Charge. The Finance Charges nor Interest Charges are disclosed in the monthly statements. Instead when you receive youre your Monthly Statement there is an area marked Last Paid which contains a column named Finance Charge. There is NO disclosure showing the Interest Paid just the Finance Charge Paid and there is NO calculation showing how that number was derived. Such as Number of Days in the Billing Cycle. ( See attached titled : Ally Interest Statement XXXX highlighted in yellow ). 

I have put together a Summary Sheet ( see the attached titled : Ally Calculated Interest XXXX ) which shows the amount charged by Ally under the column titled Ally Interest ( highlighted in yellow ). I have also included a column titled Calculated Int. ( Interest ) which represents the Interest that should have been paid based on 7.09 % APR. 

Please help me to extinguish this Unethical Business Practice and please keep me informed as to your progress. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was denied a 6,000 loan. I was denied based on my outstanding delinquencies on my consumer report and my ability to pay loan based on my other credit transactions. Those reasons are unlawful and discriminating. The law 15 U.S. Code 169 ( a ) states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. A credit transaction is the repayment of money loaned or loan commitment made, or payment for goods, services, or properties sold or leased, is to be made at a future date or dates. So Upstart adverse action is unlawful by all means.
Product: Credit card or prepaid card

XX/XX/19 Regions Bank Corporate Headquarter To whom it my concerns, My name is XXXX XXXX, I had 3 account with your bank, ( 1 ) Checking XXXX, ( 2 ) Now Card XXXX ), and ( 3 ) Saving XXXX. On XX/XX/19 at XXXX XXXX, I try to Load {$500.00} on to my Now Card ending in ( XXXX ),  while at the XXXX XXXX branch in XXXX XXXX, doing so the ATM shut down without giving me a receipt for the {$500.00} and keeping the Now Card ( XXXX ). At that point I call the XXXX spoke to a XXXX and he suggest I go the near branch, to retrieve my {$500.00}. Which I did, plus calling the bank while in route and spoke to a XXXX at the XXXX XXXX XXXX, she told me once I get there she ( XXXX ) would be able to file a claim. In walking in the bank I met with XXXX and she took my statement and gave copies of everything. XXXX told not to worry because even with a receipt for the {$500.00} the camera and my Now Card would show proof of my deposit. I told her I had XXXX and so change on my Now Card ( XXXX ), since I close this account I need wait until Tuesday for the money for the old card to post to the new Now Card ( XXXX ), here it is XX/XX/19 and my money still have not posted. And, when I tell you I very UPSET about my money. Again on XX/XX/19 I call the XXXX I spoke to several people from that office before being transfer to XXXX who assure me that the bank was working on getting me my money, and to check my account on Thursday, well here it is Thursday and still no money. At XXXX, I call back to the XXXX number and XXXX who advise me to go to the branch where I made the deposit. The point is I had to make all the calls about my money, I feel someone from the branch or the claim department should have call me and at least apologize and let me know what is going on with my money. I am one step away for notifying the Federal Trade Commission about my problem with your bank and my money. There should have at least been given a courteous call if nothing else. 
However, as of XX/XX/19, the is refusing to give me my money bank, stay they need to count the money for XX/XX/19. It has been 2 weeks and all I got is a letter telling my claim has been deny. That is not right. Should I file a police report? Please help me tell me what I need to do. Thanks for all your support.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I opened my first dispute with XXXX XXXX XXXX, contesting five transactions totaling {$2800.00}. This amount was transferred from my XXXX account to my Cash App account to pay XXXX XXXX for goods and services that turned out to be a scam. My dispute was denied on XX/XX/XXXX, and since then, I have filed eight rebuttals.

Cash App, the merchant, has consistently declined my refund requests without providing substantial proof. Their documents state, " XXXX fully authorized payment at the time of transfer. ALL CREDIT belongs to XXXX as the XXXX fully auth this transaction. XXXX has offered NO evidence of claims : NO CREDIT DUE. '' I have provided evidence that I did not receive the apartment, requested a refund from the individual, and filed a police report for theft and fraud. Despite this, Cash App has refused to refund my money, claiming that the charges were authorized. This ignores the fact that I was deceived in this transaction. As an XXXX XXXX XXXX XXXX, due on XX/XX/2024, and currently on bed rest with no income, this money is crucial for providing for my children.

I urgently request that Cash App reconsider my case and return these funds to me. I should not have to bear the consequences of falling victim to a scam, especially when I have provided comprehensive proof of the fraud. The attached screenshot shows Cash App 's summary of their refusal to refund me. While I authorized the transaction, it does not mean I should not be refunded, as I am still a victim of fraud. Despite my ongoing efforts to recover my money, Cash App has only provided my IP address as evidence of authorization, which does not prove I received the goods or services. In contrast, I have supplied actual documentation and screenshots demonstrating that I did not receive what I paid for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of XXXX XXXX XXXX ( Account # XXXX ) on my credit report and demand its immediate removal. This account is not mine, and XXXX XXXX XXXX has violated federal law in XXXX critical ways : XXXX. Unlawful Communication ( 15 U.S.C. XXXXc ) : Despite my prior written requests to cease contact, XXXX XXXX XXXX continues to pursue this invalid debt, violating the FDCPA. XXXX. Fraudulent Reporting ( FCRA XXXX ) : They have failed to investigate or correct this error after multiple disputes, unlawfully harming my creditworthiness. I have contacted XXXX XXXX XXXX repeatedly ( copies enclosed ) to resolve this, but they have ignored their legal obligations. This inaccurate account has severely impacted my financial stability and opportunities