23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX i received notice from my child 's dad that I had a collection notice being sent to his XXXX XXXX XXXX I called the agency to see what the debt was about and it turned out to be my daughter 's. There was a mismatch with her last name change and did not bill her secondary insurance bc the names were different on the primary and secondary insurances. I corrected her name then called the billing office of the provider to give them the updated information. They told me it would be taken cared of. Well, beginning of XXXX in XXXX someone from the billing department calls again and asks for my childs primary and secondary information AGAIN. I give it to them and they say everything is good. Well at the end of XXXX in XXXX dad receives another notice while I am out of the country. When I returned in XXXX I see that on XX/XX/XXXX or XXXX that the collection has hit my credit report. On XX/XX/XXXX I call the billing office who said the account was paid and closed. So I'm under the impression now that the agency jumped the XXXX and it would be removed. Well on XX/XX/XXXX I received another alert that I had a collection on my acct so on XX/XX/XXXX I call the company and explain what took place and the representative was very rude and snotty about what I needed to do when I had ALREADY done that. Ultimately, this is the fault of the hospital 's billing department because they assured me TWICE that the account was taken cared of but the representative wasn't trying to understand that. This is not a debt I owe as the medicaid coverage should have covered the balance in full as the secondary insurance. I haven't received any notice from medicaid that my child has been dropped or that they did not cover any claims.
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted I C System on a matter that pertains to my credit. I have been a victim of fraud. I sent I C System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked I C System to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay I C System and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe I C System. You can not because this is not my debt nor do I owe I C System anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM I C SYSTEM NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being held back from a judgement on ( 1 ) credit reporting agency. Experian is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for Experian to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, XXXX XXXX XXXX has inaccurate information on my credit profile and its impacting my livelihood. I spoke with Experian and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.
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 Account number XXXX, XXXX  XXXX Account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number 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: Mortgage

We opened the mortgage in XX/XX/2022 with a 10 % down payment, so the loan included XXXX. I requested to have the XXXX removed because we added XXXX square feet to the home which significantly increased its value. I have recent appraisal from a home equity loan we opened showing the current value of {$580000.00} ( original loan amount was $ XXXX ), which we sent to the servicer. The value after XXXX makes the XXXX approximately 75 %- which should satisfy removing the XXXX. I can not get them to resolve this by phone. Each time I call the service center, Im either put on hold forever or they take some information and send me form letters denying the request stating the XXXX is 88 % even though Ive provided proof of current value- they just arent reading any of the documents Im sending them. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Transunion consumer report and it shows jutiple soft inquires from multiple companies. I never gave these companies authorization to get accessed of my report. And Transunion is suppose to ask for proof to the companies of my written authorization allowing them to go to Transunion and received the copy of my report. And just because it is a a soft inquiry and doesnt affect my score or is only showned by me doesnt explain the fact that Transunion allowed these companies to access my report without obtaining proof from the listed companies of my written authorization.
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 Fu
nd 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 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX/DOFED Account XXXX has violated my rights. Or a list of inquiries : 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 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

BOA is crediting my payment above the minimum du to the promotional balance and not the amount with a high interest rate. I spoke to an agent and she said that this is how they apply my payments. This is not how the XXXX credit card payment law is supposed to work. How do I get them to change their practice. This is illegal yes? I wonder how many other people this is happening to???
Product: Debt collection

I have a court date with LVNV Funding LLC for XXXX XXXX, XXXX for a credit card debt for {$940.00} The court papers that were served to me has interest charges from XXXX, It also has me making a payment in XXXX. This account is 15 years old, way past the statue of limitations for Missouri, plus I filed bankruptcy in XXXX. This is illegal.
Product: Debt collection

I noticed this charge first in XX/XX/XXXX with a debe collector XXXX XXXX XXXX using the XXXX XXXX XXXX XXXX. It was an alert notification showing I had an account in collections for XXXX. I filed Police Report number XXXX in XX/XX/XXXX. I also put a freeze on my credit. It was removed and found out to be Identity Theft. On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX the debt collector Jefferson Capital Sys is trying to collect again the deft for XXXX in the amount of {$2300.00}. The issue looks like it's not resolved with XXXX and they are still trying to collect this fradulent debt which is Identity Theft. I filed another police report XXXX with XXXX XXXX XXXX XXXX XXXX for Jefferson Capital. The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX from XXXX a part of XXXX was helping me also her phone number is XXXX x XXXX. XXXX said it looks like account was opened under a fake XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived in XXXX. I am unable to get information from XXXX about the account because they merged with XXXX. Since the account is closed they keep on telling me they have to tranfer me to XXXX side and then XXXX said they have to transfer me to the XXXX side. Neither party can bring up the account so I can get information on it and then I get hung up on. I sent a dispute to XXXX, XXXX and XXXX and they said the conclusion of the investigation is the account is Accurate and Verified. I don't know what to do at this point and I need help.
Product: Prepaid card

I have the Money Network debit card for unemployment. Ive been using it with XXXXXX/XX/XXXXfor weeks. Now this last payment, I attempted to transfer money from the card using XXXXXX/XX/XXXX. It wont let me. It tells me to contact Money Network so I do and its impossible to get connected to an actual person every time I call. Then it doesnt let me use it with XXXX XXXX at all not even just to pay for stuff. Again, Ive been using it with XXXX XX/XX/XXXX since i started receiving unemployment now all of a sudden I cant. Then i try pulling money from the ATM and it keeps saying its declined by the financial institution. I try logging into the appIMPOSSIBLE. It either wont login at all or if it does, it doesnt even show my balance or transactions its just blank. At this point its like theyre not letting me access my funds and if it continues being this difficult just to use MY money, I will be looking into pressing charges.
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, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ).
Product: Vehicle loan or lease

BMW has issued a 1099-C for this account. I have also reported the 1099-C to the IRS. They should no longer be reporting this account be cause it is also in violation of 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint regarding multiple overdraft fees on my account. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. 

This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fair Credit Reporting Act ( FCRA ) is codified in 15 U.S.C. 1681 et seq. The FCRA is a law that regulates access to consumer credit reports and protects the privacy and accuracy of personal information.
Product: Money transfer, virtual currency, or money service

I have recently been a victim of fraud and theft. I have loss over XXXX with my MoneyLion Debit. MoneyLion are claiming that the dispute I processed was authorized by me due to the days apart from the transactions. I have appealed this decision and submitted appropriate documents to show that indeed my wallet with debit information social and account information was stolen. I have also reached out to the merchant for resolution which they were unable to help. I am not left to try and resolve this issue through alternative routes. 

The latest appeal MoneyLion is now saying that they are denying it due to it being in XXXX which is inaccurate they were in XXXX. I fear the longer they take to review appropriately my account and documents the harder it will take for me to recoup my funds back. 

This has caused me to be on the verge of eviction and months behind on bills. I hope MoneyLion reviews my dispute appropriately and resolve this matter ASAP.
Product: Checking or savings account

TD advertises free checking with criteria and with free online banking and telebanking. When you meet the account criteria for 'free ' account, TD then charges for the bank statement to be delivered. TD conceals the fact that you must pay for the bank statement with any account. 

TD does not have functional online banking or telebanking. TD then asks us to verify our identity by describing transactions, which we are trying to learn about. We can't get a record of transactions and then TD claims it is verifying our identity by interrogating us about transactions. This violates our privacy and blames us for not being able to access our accounts. Because we don't know the transaction history we have to physically drive and come in to a branch with ID during their hours to get basic transaction history. This extorted labor is a disguised fee. 

With telebanking you can not hear all types of transactions within the given time period. With online banking it is impossible to get access to it. I was advertised to by TD online and I opened the account online and then, after giving all of my information and opening the account online, was told I had to visit the branch simply to verify my identity. In fact, the account was not opened online. When I went in they had to open the account and the whole thing took another 2 hours. I specifically asked about online banking physically inside TD bank and was told that they certainly did have online banking and it was free. I was told that I could deposit checks online and make transfers and pay bills online. This is not true. I have had the account open 2 months and have never been able to access online banking. I have called 4 times and spent a minimum of 1 hour to more than 2 hours on the phone every time I call. I can not access online banking, which was advertised to me online.

1. TD falsely advertises access to online banking and telebanking.

2. TD falsely advertises 'free ' checking when you meet the criteria by charging for a bank statement and by concealing that charge.

3. TD extorts labor from its customers, forcing us to labor for hours attempting to access online banking or telebanking.

4. TD must compensate us for our extorted labor to access our accounts, lack of access to transactions by printed statement, online banking, or telebanking. 

The false advertising gets our money to TD, then we get transactions going and are stuck in this situation, subsidizing TD 's profits with our extorted labor until we can resolve the matter and then go through the expense of going to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the Equifax breach. For XXXX months between XXXX and XXXX Equifax 's failed to secure my personal identifiable information, and that of XXXX XXXX other Americans. 

I never consented to Equifax mining my personal life to build a file on my behavior they could then sell to others at a profit. I never consented to Equifax inadvertently releasing that information to those who intend to misuse it. I certainly never consented to Equifax waiting several months to alert me of this grave security threat until the time was best for them. 

I certainly did not consent to Equifax adding insult to my injury by pressuring me into signing up for a XXXX XXXX service ( run by the same company who failed spectacularly to safeguard my information in the first place ) simply for the privilege of learning if they had failed to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type IndividuaXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual