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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 card or prepaid card

Bank of America denied me a business credit card application, giving me the reason that my personal report has negative marks or indicators and that is why they did not approve the application, but I must remind you that I applied for a credit card for my business, not for me. personal use because if they register a fictitious name they believe that they are going to force someone to pay or comply, they are very wrong, what they show is that they are not doing their job well or they are not providing the services they offer because you have to know the differences between personal accounts and of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft victim, police report # XXXX.
Product: Mortgage

Mr. Cooper, a mortgage servicing company, has lost my personal data to hackers. 

I will have to deal with the financial hazards created by this corporate incompetence for the rest of my life. 

They are offering a palliative of credit monitoring with XXXX. I feel this is utterly callous and insufficient. They should be offering credit monitoring with all three major credit bureaus for at least five years. 

Also they should be held liable if I am exposed to any financial loss resulting from this data breach. 

The address for Mr. Cooper : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Money transfer, virtual currency, or money service

Hello, My PayPal email : XXXX has money which I can not transfer or use. The 180 days are over yet the money can not be used. All I would require is help so that I can be able to use my money. 

PayPal address : XXXX Thank in advance for any help granted.
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 U.S.C. 1681 : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Violations : According to the Fair Credit Reporting Act : 1. 15 U.S.C. 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. These accounts violate this provision.

2. 15 U.S.C. 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If, after a reinvestigation of disputed information, an item is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify that item of information based on the results.

( ii ) Notify the furnisher of the information that it has been modified or deleted.

3. 15 U.S.C. 1681s-2 : Furnishers must not report any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

4. 15 U.S.C. 1681b ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency without a permissible purpose.
Product: Debt collection

In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX XXXX XXXX debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to XXXX XXXX XXXX, a debt collector. I settled with XXXX, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying XXXX. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3000.00}. I have called XXXX many times, they say that XXXX hasn't sent them the money and that there is nothing that they can do. I have called XXXX many times. They said they transferred the debt to Velocity XXXX but that my obligation was completed. I have called Velocity many times and they say they sent the payments to XXXX. XXXX did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called Velocity and they say that they sent payment to XXXX and that there is nothing else they can do.
Product: Debt collection

The number listed above is my work number, I receive XXXX calls a day from this company, 7 days a week ; they do not leave a message. They also call my cell phone, XXXX, XXXX times a day. The calls start about XXXX XXXX and end around XXXX XXXX. They never leave a message. I called the number from my cell once and got a person with a heavy accent that was difficult to understand. They wanted my information to verify who I was but would not tell me their name or their company name until I gave them my personal information and I would not do that. I XXXX and found that the number they are calling from belongs to XXXX XXXX XXXX and found that they have several locations. I am going through a difficult time and behind with many of my payments because of medical reasons but I am looking into alternative solutions to try and get myself back on track with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information was reported without my consent, collection agency, XXXX XXXX XXXX, i dispute it with the 3 credit reporting agencies, date assigned, XXXX XXXX
Product: Debt collection

Collection account from XXXX XXXX XXXX XXXX # XXXX Balance {$7200.00} Original creditor XXXX at XXXX I do not have a contract or written agreement stating that I owe this debt company for any debt. Please provide proof from the original XXXX that this debt collector now owns this debt and has the legal authority to collect it or delete this account reporting negative remarks on my report from any company for a debt I do not owe is a violation of the fair debt collection 807 ( 15 USC 1962e ) therefore if this can not be validated correctly it must be deleted
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX Date XXXX Balance : $ 84.00-Late/Open Late Date XX/XX/XXXX
Product: Credit card

American Express was offering a cash back promotion if you stayed in a XXXX property. They offered {$300.00} dollars cash back if you spent more than {$1200.00} at XXXX and had enrolled in the cash back offer. 

I enrolled in the cash back offer prior to staying at the hotel on XX/XX/year>, spending {$1200.00}. The cash back did not apply to the account and I contacted American Express to inquire why they were not honoring my cash back offer. First they advised that it was an error since I stayed in a XXXX and spent the required amount. 

However, after 10 days of research they advised that the XXXX code used by XXXX did not meet the requirements for the transaction. This is in-spite of the transaction listed as " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ''. 

I believe any reasonable person would assume based on the advertisement that they would be entitled to the commitment made by AMEX. Additionally, any reasonable person would not have know to research what the XXXX code of the specific XXXX was prior to staying there. Furthermore, I believe putting these things together amounts to offering to provide a service that is not in fact available. 

Should this action be permitted by AMEX it is just a stone 's throw away from elder abuse, or outright false advertising. Common persons outside of banking do not know what a XXXX code is. AMEX should honor their commitment and immediately separate any agreement they have with XXXX if they do not wish to continue the cash back offer. 

Separately, when initiating this complaint with AMEX they said they don't take complaints over the phone and I must email them in. This is a direct violation of the Federal Trade Commission Act which requires banks to institute procedures for handling consumer complaints related to unfair or deceptive acts.
Product: Checking or savings account

My account was hacked on XX/XX/14 two different transactions and I disputed the transactions and they keep denying them who ever hacked my account changed all of my information and started sending money to different places. I have disputed this 9 times and they are refusing to give me what was taking from me. The bank was chime I have all the screenshots from the situation
Product: Credit reporting or other personal consumer reports

There was a data breach and my information was leaked. Accounts that I had were took out of my control and were closed for reasons I still dont know because they say they dont have to specify why they just dont want to do business. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit inquiries that i did not authorized : 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 XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and unverifiable items from my credit report, in light of the recent legal action taken against Transunion by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit highlights Transunions failure to properly investigate disputes and its practice of including incorrect information on consumer reports.

Per my rights under the Fair Credit Reporting Act ( FCRA ), I am disputing the following items and requesting their immediate deletion from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts contain errors that negatively impact my creditworthiness. Given the CFPBs findings and the legal action taken against Transunion, I expect full compliance with federal law and a thorough investigation into these inaccuracies. If these accounts can not be verified, I request their immediate deletion from my credit report. 

Failure to comply with this request will leave me no choice but to escalate the matter further with the CFPB and seek legal remedies. I look forward to your prompt attention to this matter and an updated credit report reflecting accurate information.
Product: Money transfer, virtual currency, or money service

Hi, I have a transfer that was created XXXX XXXX and should have arrived XXXX XXXX the latest. The wire was for {$10000.00} and I was charged with a {$25.00} fee which I agreed to. I 've contacted the company and emailed them they let me know it would arrive today and it has not. I was promised 1 business day transfers. 

XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX {$9900.00} USD COMPLETED REFRENCE : XXXX account is under my email XXXXXXXXXXXX Please look into this issue.
Product: Checking or savings account

Apple bank branch on XXXX XXXX and XXXX XXXX has closed for the 3rd time In the past few months. 
They already are operating absurd short hours and now they are closing again using Covid-19 as an excue. 
These repeated closures and reduced hours are making it extremely difficult for myself and other elderly citizens who Bank their regularly during this pandemic. It's uncalled for.
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 these voilations!!
Product: Debt collection

Amount : {$170.00} My wife and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. 

Today ( XX/XX/14 ), the agent that call my Wife claimed she the bad credit marks would be removed if she paid immediately and they would leave us alone, then refused to send a letter stating as much in writing. She pushed for it to be sent in writing, and he eventually agreed. 

When I received a call today XX/XX/14, I explained this to the agent, he made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if i didnt pay now, I would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after I said I would be retaining legal counsel. I was forced to hang up. 

My wife called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. 

Imediately after this call, XXXX, then proceeded to call my wife, who, had already received her call under 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. My wife was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. 

My wife then received a text message from Genesis immediately after that conversation. 

I feel this constituted harassment, threats, and illegal debt collection practices.
Product: Credit card or prepaid card

Comenity Bank underwrites the PayBoo credit card for XXXX & XXXX XXXX in New York. It is a card that is only usable at XXXX & XXXX XXXX. They have special financing offers up to 12 months no interest if paid in full by the end of the 12 months. And if the full amount of the balance is not paid within those 12 months, the entire 12 months worth of withheld interest accrued is then added to the overall balance of the card. 
The problem is that if a consumer uses their card to make more than one transaction on different dates, Comenity does not apply the payments made to the most recently expiring offer, which makes it extraordinarily difficult for consumers to pay off their balances and avoid the huge interest fees. 

For example, if I make a purchase in XX/XX/XXXX for {$1000.00}, I need to pay off that {$1000.00} purchase by XX/XX/XXXX. And then if I make another {$1000.00} purchase in XX/XX/XXXX, it wont be needed to pay off until XX/XX/XXXX. 

The problem is that Comenity, when applying any payments made, does not apply payments to the most imminently expiring balance. So if I make a {$200.00} payment to my account, it splits that {$200.00} between BOTH {$1000.00} transactions and applies it to each. 

Mathematically, this makes it extraordinarily harder for a consumer to pay off XXXX XXXX expiring balance if the money that theyre sending in to try to pay off a promotional balance its expiring in a couple of months is instead being applied to a promotional balance thats expiring in several months. 

Whats worse, his Comenity does not explain this in any of their statements, nor explain how the money is split, nor explain how much money you need to send in an order to get something actually paid off in time. 

They very clearly do this intentionally, in order to deceive their customers, so the customers dont realize all the money theyre sending in isnt actually being applied to the most urgent balance. 

And of course thats done intentionally because Comenity wants to be able to charge customers their exorbitant interest rates instead of having customers pay off their balances on time.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Revenue Collection Services Was deleted from my XXXX, United revenue collection services placed the account back on my XXXX, and XXXX did not notify me within 5 days.
Product: Mortgage

On XX/XX/XXXX we applied for XXXX XXXX through Lennar Mortgage. We received notification on XX/XX/XXXX that we were officially approved through Lennar. On XX/XX/XXXX we gave a down payment of {$13000.00}. 

We were advised by the loan processor on XX/XX/XXXX that we were all approved by underwriting and no further actions were needed. We received a closing cost worksheet on XX/XX/XXXX which showed our cash deposit paid of {$13000.00} and a total cash required to close in the amount of {$4900.00}. 

On XX/XX/XXXX ( just 38 days away from closing ) we were contacted by Lennar bank and told that our XXXX XXXX  was denied by underwriting and that we needed to change our loan program and terms to a conventional mortgage oppose to XXXX We asked for details and explanation as to how that would affect us and we were advised that we needed a higher credit score typically. We advised that there had been no changes since our credit was pulled initially so our credit score would not have increased by XXXX XXXX in XXXX XXXX  We were told that the loan processor would get back to us with the new loan terms. 

We received a notice via email that the XXXX XXXX was canceled and a new Conventional loan document was ready for signing. We also received new closing statement on XX/XX/XXXX and new loan application/agreement which showed a conventional loan with a different base price for the home ( a higher amount ) and a much higher cash required to close in the amount of {$17000.00}. 

We immediately expressed our concern for the significant price difference. Particularly, the amount required to close as well as the base price of the home. We advised that we would not be signing the new loan agreement until weve had the opportunity to speak to someone about why the amounts were significantly different. 

We contacted the Lennar loan processor, the Lennar New Home Sales Consultant and the realtor and expressed our written and verbal consent. We were advised that they will be able to explain everything once all the new loan documents signed and reviewed by underwriting. After reviewing the terms of the loan, the base price of the home, the fees required and the additional XXXX XXXX to close, weve come to terms that this was not something that was agreed to when we went under contract originally. 

We expressed that we could not financially afford the new terms of this conventional loan and that we do not have the funds available to satisfy the new required cash to close. We asked several times by written email request, text messages and voicemail to have our deposit of {$13000.00} refunded back to us. 

On XX/XX/XXXX we were told by the Lennar New Sales Consultant that Lennar corporate will not release our deposit and will hold it for one year.
Product: Checking or savings account

I have a transaction in the amount of {$82.00} from my citizens bank checking account, paid to a company named XXXX XXXX It's a transaction that I didn't authorize. I've contacted my bank, the police dept and the company that ( according to my citizens bank statement ) received the money. All contacts were made on XX/XX/2022 Citizens Bank has started an investigation. 
The XXXX XXXX XXXX has also started an investigation, however a document from the FTC is needed along with a copy of the police report. Zone XXXX XXXX Pa Police, case number ; XXXX. I will be requesting an actual copy of the police report for the company on XX/XX/2022