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

Consumer Complaint Synchrony Care Credit offered a promotional 0 percent interest rate on my XXXX XXXX. I used Care Credit to purchase XXXX XXXX in XX/XX/XXXX. The promotion was that there was no interest for a year, however when they billed me in XX/XX/XXXX they referenced a tiny piece of print and the word deferred interest at a rate of 26.99 %. The charge was exorbitant. When my son and I called to sort this out and reach an agreement two representatives, XXXX and XXXX were not helpful. When I asked XXXX to speak to someone else he asked, 'who? '. I asked if there was someone else and he told me that another rep would tell me the same thing. I asked if there was someone over him or if he was the XXXX if synchrony. He transferred me to XXXX who finally noted that old age and memory were part of the issue, however he said that the interest was contractually allowed so there would be no negotiation and the interest would stand.
Product: Debt collection

XXXX XXXX XXXX XXXX. calling for my son who has not lived at our house for 20 years. I have continued to tell agencies to take my # off list and I still get calls. they stated that if my son did not call back they would put a lien on property owned my another son and his wife. my # is a do not call # on the registry and has been for many years and these agencies keep passing a collection around and calling. We settled all claims over 20years ago but a hospital had not filed claim with insurance company properly for an accident in which a drunk driver crashed into our son. 
I have been hounded long enough and when someone threatens I can not stand silent. 
FGM
Product: Debt collection

XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. 
XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. 
I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.
Product: Mortgage

Starting a follow up complaint to XXXX  in which Amerisave asked for proof that I had coverage in the period in question. Attached is the letter from my insurance company stating that as correct. 

I feel like I am being victimized like the folks in the article and further, being harassed and bullied into paying this fee. This is causing me a lot of anxiety... 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ Can you please just send me back the money you made me pay for a loan I didn't even have any more if you processed my payment correctly in XXXX? Worst part about this is your charging me for a period of time that has already passed and no one, other than your maybe affiliate ( maybe like one in the lawsuit ) are benefiting from your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an alleged bankruptcy on my credit report. That is not mine. Pursuant FCRA 623 I am demanding that it be removed
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

Credit account opened over 10 years ago fullfilled hardship payoff. Account sold off to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, fraudulent activity was noticed on the VISA account ending in XXXX. 
The company voided the card and issued credit against the fraudulent charges. A new card was issued ending in XXXX. Subsequent to this, the company is honoring charges made to the voided account ending in XXXX. The charge on XX/XX/year> was honored even though it was not from a merchant that had recurring charges set up with me. I called the company to get them to remove the charge under the voided account and guarantee to me that no further charges would be honored made to the voided account. they refused to do both of these things.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've had 3 accounts with XXXX. 

Two accounts I paid off fully, and I wound up paying nearly twice as much as I originally owed because of how high the interest rates are plus exorbitant charges for late fees or missing a payment. 

The third account I had was closed and sent to collection in XXXX. When I got the account, I was making more income, lost that job, and it took a while to get back to where I was. In the meantime, I fell behind on the minimum payments to this third account and it was closed and sent to a third-party collection agency, which wound up filing a lawsuit against me in NY, where my parents live and where I resided the last time I had used/paid toward the account. 

I contacted XXXX in XX/XX/XXXX. They told me to contact the collection agency directly. I did and they said they were going to send the account back to XXXX. I contacted XXXX again after speaking with the collection agency, letting them know and asking how I can communicate with XXXX once they received the account again to resolve and settle the debt. XXXX told me to follow up with them in a couple of weeks. I did in XX/XX/XXXX, and they never responded. 

Then in XX/XX/XXXX, I get a couple of letters in the mail from Debt relief businesses soliciting business for a lawsuit filed against me for the XXXX account in XXXX XXXX, Florida, where I live now and the address of which I had updated when I last spoke to XXXX I never received any actual notice of the lawsuit, I have no idea the status of it, how to check on it, or how to respond to it. 

I filed a complaint through the CFPB website. XXXX responded, but omitted any responsibility or communication I made with them, of which I had also forwarded emails and a follow up email in XX/XX/XXXX they never responded to. They deferred responsibility to a third-party collection agency they sold the debt to after ignoring my follow ups to settle it directly with them, that agency being Aldridge Pitte . I have no idea if they filed a lawsuit against me or sold the debt to someone else. I've never received any communication from them and they shouldn't have the debt in the first place.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have disputed this XXXX XXXX XXXXXXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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.
Product: Debt collection

I have disputed before and its still there. There are FCRA violations. They need to be removed.
Product: Credit card

I received an email from a company Sephora, thanking me for opening a visa account. I immediately responded that the account was not mine. They didn't respond. Several months later, I received another email demanding payment. I called the creditor, they agreed to investigate. They did not do a proper investigation and never responded to my request for documentation, which would verify their claim that the account was mine. The account was never on my credit report, as an existing account. It has never appeared as a revolving account. Now, it appears on my credit report as a charge off, in collection. 
The company is known to have many complaints about fraud.
Product: Credit reporting or other personal consumer reports

Equifax has violated the law several times as per the FCRA in regard to my credit file. I have written them several times about the XXXX fraudulent account on my credit file along with a FTC ID Theft Affidavit via certified mail. I also sent several letters to the original creditor as well. The account was removed several months ago and I assumed the matter was resolved. As of this month they have illegally placed it back on my credit report which it shows a chargeoff being updated every month which is a violation as well as a higher balance. How is there a significantly higher balance than previously reported on an account that is being reported as charged off? There has been complete disregard to report verified and accurate information by Equifax.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

I need clarification from Seterus , Inc . 
In the previous response from Seterus , Inc., the company again is claiming I have not paid the months of XXXX and XX/XX/2017 which is untrue, I have always issue my mortgage payments in a timely manner and that is indisputable, see attached! 
Now in order to get this finalized is Seterus, INC says I have to pay {$260.00} and sign a request to get the escrow funds which I never agree to put there in the first place to be released? Or just to be more clear, if I pay {$260.00} and I sign the escrow release form my account will be bring back up to date without any other hidden fees? Also, will Seterus, Inc remove the many bad credit reviews they did to my account which has affected job 's and credit?
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 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 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: Debt collection

Dear JPMorgan Chase & Co., I am writing to formally dispute your claim of ownership and collection rights over the debt associated the account : ( XXXX ). After conducting a thorough review of the records pertaining to this account, I have identified the following issues : 1. Transfer of Debt to Chase Issuance Trust : I have clear and indisputable evidence that the debt in question was transferred to the Chase Issuance Trust under filing number XXXX. As such, ownership of this debt was legally transferred to the trust, and there is no record indicating that it was subsequently reassigned or transferred back to you. Therefore, you no longer have the legal standing to collect on this debt. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The continued reporting of this debt under your name is a direct violation of the FCRA. Reporting inaccurate information to credit reporting agencies undermines the accuracy and integrity of my credit profile, causing unnecessary harm to my financial standing. 
I am formally requesting that you immediately cease all collection activities related to this debt and ensure that all references to this debt are removed from my credit reports with all consumer reporting agencies. Failure to comply with this request may leave me with no choice but to pursue legal action to protect my rights under the FCRA and any other applicable laws. 
Please confirm in writing within 30 days of receiving this letter that : You have ceased all collection activities related to this account. 
All references to this debt have been removed from my credit reports. 
If you believe this matter requires further clarification or documentation, please contact me in writing at the address provided above. I expect your prompt attention to this matter and resolution in accordance with applicable laws. 
Sincerely, [ XXXX ] All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

Several transactions were made by phone transfer from my Wells Fargo credit card to my checking account, fraudulently. Because the money went to my checking account and was subsequently withdrawn fraudulently, fees and interest were not assumed by the bank. I paid the credit card, for fear of being reported to credit agencies, and made the appropriate fraud reports in a timely manner. Multiple calls and letters, including a call with XXXX XXXX on the line, have failed to result in crediting my account. Several calls result in departments transferring my call because its not the right department at least 7 times per call. I have spent many hours on the phone with Wells Fargo, without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts for XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX, XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX  XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A 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 an 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
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 account vulnerable and unprotected. Furthermore, their dispute resolution price 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: Payday loan, title loan, or personal loan

At XXXX on XX/XX/2023, I spoke with a representative, XXXX XXXX in the collections department at Upgrade , Inc . I agreed to pay off the remaining balance of the loan in the amount of {$830.00} with the explicit conditions that the account would be closed out and that the account would be reported as being no later than 30 days past due to credit reporting agencies ( and under the condition that a {$10.00} late fee be refunded to me after payment cleared ). As of XX/XX/2023, the Upgrade account still shows as open and having a balance of {$300.00} despite my payment posting on XX/XX/XXXX. Additionally, it appears that the Upgrade account was indeed reported as being 60 days late according to my XXXX and XXXX reports. I sent an email to XXXX XXXX XXXX  on XX/XX/XXXX asking the company to confirm that my payment posted and that the account would be closed- they did not provide any useful information. This is a blatant violation of the agreement I made over the phone with the collections representative at the above-specific date and time. I am demanding that Upgrade close the account, rescind the 60 days past due status, and issue a {$10.00} refund as agreed upon when I made the payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial accessed my XXXX credit report without my consent : Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX
Product: Debt collection

THIS COMPANY PRESSLER AND PRESSLER LOCATED AT XXXX XXXX XXXX XXXX, NJ XXXX THIS FIRM IS KNOWN TO RIPP PEOPLE OFF, IT 'S TIME TO REVEAL THIS LAW FIRM FOR WHO THEY ARE THEY THREAT PEOPLES, THEY BECAME RICH RIPPING PEOPLE COLLECTING OFF THE POOR, THIS FIRM NEEDS TOO BE SHUT DOWN THEY ARE FRAUDLENT LAW FIRM, THE ARE THREATING TO TAKE MY FUNDS, PLEAS INVETIGATE THIS XXXX, THEY ARE HARASSING ME THIS IS UNJUST.
Product: Credit reporting or other personal consumer reports

I XXXX seen this account pop up on my credit report. I have reached out to request information several times, the last time was last month and still I have nothing. The credit reporting agency did not do anything to correct this inaccuracies. All I got back was a letter stating verified and balance updated.