23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or 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 XXXXXXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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, 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 relation 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

LVNV Funding, LLC along with XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) are doing this here with me and numerous others in XXXX County of Texas. Since the Pandemic was declared on XX/XX/2020, they have filed my lawsuits with the district court and other smaller small claims courts through the XXXX XXXX XXXX area in XXXX Texas. 

The Government, specifically CFPB, needs to intervene with these companies. Because people are too busy with other matters, they are succeeding and obtaining a full judgment from paperwork they bought for pennies on the dollar at the full balance they have been given by seller of those credit accounts regardless of the accuracy of those charges thus the totality of that balance could be inaccurate. 

I have not received proof of charges with signatures of mine nor credit account signatures for the breach of contract that has been claimed ; therefore, the complaint should be dismissed immediately.
Product: Debt collection

Hello - During the last few years we have had multiple medical bills that have went into collection after my husbands XXXX XXXX. We in good faith paid some to the collection agency so that it would not be reported. We paid {$290.00} in XX/XX/XXXX to prevent any reporting to my husbands credit report.
They took the money and misrepresented how the money would be used to pay off the debt.
They did not use the money to pay the oldest debt of {$130.00} from XX/XX/XXXX and that amount went into collection. They divided the money up between several accounts and only put {$5.00} towards the oldest balance of {$130.00} which left {$120.00} that ended up getting reported in XX/XX/XXXX. We received NO notification that it was reported. When we ask why the money we paid did not go to the oldest debt, they did not have an answer. I was however told that how that they distributed between multiple accounts and paid the the newest ones because they make more money off of newer " not stale '' debt. I am outraged and deeply bothered by this. On top of that we have paid the hospital directly and they NO ONE did any verification to confirm the amounts are valid and have not already been settled directly with the hospital. I have disputed verbally the validity of any debt owed to this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone used my information to apply for a credit card in my name at XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates 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. 

Account XXXX XXXX XXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX  XXXX : # XXXX Account XXXX XXXXXXXX : # XXXX Account XXXX : # XXXX Account XXXX XXXX XXXXXXXX : # XXXX Account XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX Also the inquiries listed below were not authorized : 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. 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. 

I appreciate you dealing with this situation,
Product: Checking or savings account

I have a problem with Bank of America. They are liars. They are thieves and they are crooks. They will deny a legitimate fraudulent transaction. I filed a dispute for the amount {$970.00} that was fraudulent debited from my account after I came back from my trip in XXXX. I called immediately and the initial rep stated they know and can see that I did not physically use my card. So if I did not physically, use my card and you can check the records how was my card use when I was asleep in my bed that does not make any sense and you guys Bank of America denied my dispute and tell me theyre going to purposely overdraw my account for the credit that they provided me for {$970.00}. That is outrageous. Ive been with Bank of America for almost 20 years. I want this matter solved. This is unreasonable, unfair, and unstable.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 150 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

I made a deposit in my Truist bank account to make a payment and Truist could not make the payment. I asked what the issue was and I was told the money was frozen. Even though I have gone multiple times I have visited the XXXX location inquiring about what was going on I have not received a favorable answer.
Product: Bank account or service

I made XXXX online debit transactions on XX/XX/2016 for {$15.00}. I checked my mobile app and make sure that the items were on pending and money was available for the transactions. By XX/XX/2016, when I check my bank app again, the XXXX transactions were no longer listed as pending and my balance were down, therefore I assume the transactions were completed and done. I then wrote a check for {$540.00} on XX/XX/2016 and on XX/XX/2016, I deposited enough money to make sure the check will go through and my balance was over {$550.00}. On XX/XX/2016, the XXXX transactions I mentioned above suddenly reappear and my check also went through and now the my account got overdrawn and the bank charged me {$34.00} for overdraft fees. I called the bank and explain what happened and they explained that the {$14.00} items were dropped as transactions because the seller did n't collect their money by XX/XX/XXXX and that they decided to collect it on the XX/XX/XXXX. Evidently, it 's the bank practices that if the seller do n't collect their money within 3-4 business days then the bank would dropped the transactions but if the seller decided to collect their money in a month from the transaction 's date then it 's still okay to pull the money from the account. I told them that it 's a false illusion to the consumer that if a DEBIT transaction was made and money was drawn and put on hold then the money should n't be put back to the account. If there was any DEBIT items that were dropped by the bank then they should notify the account holder so we wo n't get blindsided by it and also get a chance to make arrangements so the transaction will go through. I asked the bank if they would refund the overdrawn fees and they said no, and they ended up blaming me for not paying enough attention to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed the fraudulent accounts reporting on my credit yet some of the accounts are still reporting on my consumer report.
Product: Payday loan, title loan, or personal loan

Yes my name is XXXX XXXX and I feel as if people has been getting loans in my name the people are XXXX XXXX and XXXX XXXX and XXXX XXXX
Product: Credit card

My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.
Product: Mortgage

During XX/XX/XXXX-XX/XX/XXXX I applied for a loan assumption which was massively delayed and for which I was ultimately denied after 9 months of waiting. I was told I would have to reapply instead of simply remedying the debt to income ratio issue. 

I reapplied on XX/XX/XXXX with the initial request for the assumption loan application packet. Two months later I have still not received it. This is longer than their projected time to receive the loan application. I have also called weekly and been told that I would receive prompt communication from the assumptions department but have not received any communication.
Product: Debt collection

I believe the account is invalid. GURSTEL LAW FIRM, P.C needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


GURSTEL LAW FIRM, P.C or XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

XXXX  military returned from XXXX and family needed money. I feel I was lured in being they are less than XXXX miles from base Im sure Im not the only one. They constantly are calling friends and family and wanting an allotment set up to make the payments. I know I narrowed the money and dont dispute that. I ask they lower my interest on remaining balance to 12 % or lower. Also I have requested copies of the original al signed contract that was done digitally and have yet to receive it.
Product: Vehicle loan or lease

There is a previous ( and pending ) CFPB complaint against Tesla Finance , LLC re : XXXX  XXXX title that is outstanding. Everytime I have tried to call in during business hours, the IVR claims that they are closed and to call back during business hours. I have sent at least two email replies to the Tesla Finance email requesting an update where the title is and if it is coming to the new address I live at and there is no reply.
Product: Debt collection

Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XXXX payment XXXX XXXX XXXX to align with my pay day ( XXXX ) and received a letter dated XXXX XXXX. I find this to be very aggressive and unnecessary, when EVERY bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX XXXX XXXX XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.
Product: Debt collection

the compay is : portfolio recovery associates : a bill from XXXX XXXX XXXX XXXX  EVERY COUPLE OF YEARS, they start sending this to me, having people come to my house i believe, i do not owe this debt and im tired of them harrassing me over it, i filed bk years ago, and this was probably on it, its been off my credit report for a very long time, i dont have info on the debt because again ive filed bk years ago, attached is the form they send, they are harrassing my phone, as well
Product: Bank account or service

I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Fraudulent Accounts and Cessation of Related Activities To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts and inquiries that have been identified on my credit reports. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently become aware of two fraudulent accounts listed on my consumer credit reports from XXXX, Equifax, and XXXX. These accounts are not authorized by me and are the result of identity theft. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Date Opened XX/XX/XXXX, Account Additionally, the following inquiries have been made on my report without my consent and are fraudulent : 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  These accounts and inquiries have not only damaged my credit rating but have also caused significant distress. 

I previously submitted an FTC Identity Theft Affidavit regarding these matters. Under the FCRA, I have the right to dispute items on my credit report and to expect a timely response. Therefore, I am demanding the removal of these fraudulent accounts and inquiries from my credit reports within four days from the receipt of this letter. Additionally, I request that all related collection activities cease immediately. 

Please confirm in writing that these actions have been taken and provide me with updated copies of my credit reports reflecting these changes. 

If these matters are not resolved promptly, I am prepared to take further action as necessary to protect my credit reputation. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Student loan

On XX/XX/year> I sent in the application for school conduct discharge and on XX/XX/year> I was denied. I was not able to contact a live person until about the XXXX due to playing phone tag and my phone registering their number as spam, once I was able to talk to a live person she was not able to tell me the reason why I was denied the discharge giving me a reason something to the effect of using a proprietary formula to determine outcomes.
Product: Checking or savings account

Credit Union authorizes EFT without consumer authorization.

Refer to Consumer attachment letter below.
Product: Credit card

My credit report have a fraud activity from Home Depot ( Citi Bank ) for the amount of {$4800.00}. The name on the credit report is THB/CBNA. In addition, there are fraud hard inquries from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my XXXX credit report supposedly from AMEX as of XX/XX/year>. I don't recall asking for any credits. Not sure where that is coming from. Never received any notification in the mail nor email about it. Someone might be using this. I monitor my credit report every week and I have never seen this before until now. Please have it removed and restore my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a title loan from Wisconsin XXXX XXXX XXXX XXXX XX/XX/XXXX for about XXXX dollars. I defaulted on the title loan and my vehicle was repossessed. I was told that was the end of that. I recently checked my credit report and saw a closed account from National Credit Adjusters from non payment of XXXX dollars they said that I owed Wisconsin XXXX XXXX XXXX XXXX. The date this account was opened by National Credit Adjusters say XX/XX/XXXX and the acoount was closed XX/XX/XXXX. Now I was never informed by Wisconsin XXXX XXXX XXXX that I owed them anything after they took my vehicle. I was never sued for any judgement I was never contacted by either of these companies for anythng. When I called Wisconsin XXXXXXXX XXXX to ask they told me to call National Credit Adjusters and when I called National Credit Adjusters they told me to call Wisconsin XXXX XXXX. In the meantime I have a XXXX XXXX dollar closed account that has greatly impacted my credit score and I am almost positive what they did is illegal from the rresearch that Ive done
Product: Credit card

I was first solicited XXXX by phone. I paid a deposit of {$4600.00} for a business opportunity. I was supposed to receive including but not limited to the following : XXXX XXXX XXXX, Page Setup : fill out available fields, custom URL, News feed builder : Like XXXX industry or niche leaders, Install FB Badge onto client 's website, discovery report, competitor & industry analysis, research client 's business model & offerings, Identify targeted customer audience : demographic, behaviors and interests, develop final discovery report detailing findings, strategy report, determine top engagement best practices, XXXX, consulting, publishing & scheduling post. I did n't understand alot of what was going on. Everyone was telling me not to worry they would help me. I admit I do n't understand alot about the computer and have related that information to them. They took advantage of a senior citizen. I requested a refund in my demand letter, because I was n't given the face to face attention imperative for my success which I was guaranteed before signing our agreement. On that basis, to date I have never used their services and was n't given the product as described. I am aware that there is a duration in which you can dispute a billing item with your credit card company but these are unordinary circumstances and therefore an exception should be made under the " claim and defense '' regulation. My credit card company should provide a certain level of protection to me. Please have my credit card company investigate the issue and refund the monies paid out when I was under duress.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate XXXX XXXX XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED   : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX
Product: Payday loan, title loan, or personal loan

pls remove acccount from credit breusa
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY FILE.
Product: Credit card or prepaid card

At approximately XXXXXXXX XXXX on XX/XX/2018, I received an email from Amex Serve indicating that my card was " in a negative balance. '' I immediately checked online, and discovered that my card had been charged {$790.00} by " American Express Stores. '' Upon calling the customer service number, I was informed that " the system '' had experienced a 'glitch, '' that my account was " fine, '' and they were " working on the problem. '' It is now Wednesday, and despite numerous calls to customer service ( and being placed on hold for an average of 1 1/2 hours each time ), my account is still in a negative balance. I spoke with someone named XXXX from the Fraud Department at approximately XXXXXXXX XXXX EDT on XX/XX/XXXX. " XXXX '' admitted that the problem was at their end, that I had done nothing wrong, and the problem " should be fixed by lunchtime. '' Well, here I am, still with a cleaned out account, and when I call AMEX I get a recording advising that they " are experiencing unusually high call volume, please call again later. '' I just called again, and after giving the representative my identifying information, she claimed she couldn't hear me, and disconnected the call. Now I am on hold again, after the previous hour 's wait. This is inexcusable on several levels ; first, that the " glitch '' happened in the first place, second, that there appears to be no remedy, and third, the inept customer service.