23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dispute was filled with TD bank for a XXXX merchant charge that took place at the end of last year. Item from the merchant is defective and no resolution has been made. Td bank has all the required information. If necessary I can provide any necessary details, but the complaint is at this point not about the dispute itself. Instead the complaint I am filing is about what took place after the dispute was made. Said dispute was made XX/XX/year>. Today XX/XX/year> I recieved mail dated from XX/XX/year> that the outcome of my dispute was to call the merchant. The very same merchant whom has not resolved my issue since XXXX  indicating is om XX/XX/year>. All of which is indicated in my dispute as well as the various phone calls, texts, chat, and email took place with merchant. Roughly XXXX. Today XX/XX/year> I spoke with a supervisor, XXXX, who stated that the bank does not offer or provide chargebacks for disputes. Which I stated was a violation of the fair credit billing act as my dispute and the reasons for filing it is the very reason why the FCBA exists as they mandate chargebacks the reasoning for a chargeback. I explained that the bank must act on my behalf which she did not acknowledge. She also stated I could not challenge the results of the investigation. Nor could I file a new dispute over the phone. She did however, apologize that I did not agree with outcome I recieved, but that td bank can only help the XXXX parties ( myself and XXXX ) come to an agreement. However, they can not make the merchant do anything and or take the money back ( which I stated they do have the ability to do ). I believe the statements, actions, and behavior of this institution is in violation of the fair credit billing act. It should also be noted that even before speaking with the supervisor my call was transfered by a td bank agent, XXXX, to a XXXX agent. The td bank agent then left the call without telling me. Although, what's worse is that she didn't even tell me she was transferring my call to the merchant. This continuous behavior of attempting to push me to resolve the issue with the merchant so that td bank did not have to was noted when speaking to XXXX. It also shows again that td bank is not acting in my behalf and instead on the behalf of the merchant. The same merchant whom they are partnered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.
Product: Debt collection

On XXXX midland credit management reported to experien credit bureau that I owed {$7200.00} dollars and filed it as a collection on my report. In doing so they assume responsibility that they did contact me about said debt. However they never diid. But by reporting to credit bureau that say they did. On XXXX I received a letter in my mailbox with offers to pay the balance. There was never an attempt by Midland credit management to send me a letter within XXXX days of contact providing my right to send a debt validation letter. Furthermore, this debt they are attempting to collect was disputed with the credit bureau and found to be inaccurate and fraudulent and removed from my credit report over a year ago.
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 action for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX  nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX/XXXX  XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX XXXX XXXX Experience they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.
Product: Debt collection

I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM FROM NATION CREDIT ADJUSTERS IN REGARDS TO AN ALLEGED DEBT FOR {$1200.00} OWED TO XXXX XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE PROMISSORY NOTE SHOWN AS EXHIBIT C IS NOT CORRECT. I HAVE NEVER LIVED IN TEXAS IN MY LIFE. SECOND, THIS ALLEGED DEBT IS FROM XX/XX/2015. TEXAS LAWS STATES THE STATUTE OF LIMITATIONS ON DEBTS ARE 4 YEARS. NOT ONLY IS THIS DEBT FRAUDULENT, BUT IT IS ALWAYS IN VIOLATION OF A STATE STATUE. LASTLY, NATIONAL CREDIT ADJUSTERS ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) NATIONAL CREDIT ADJUSTERS ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, NATIONAL CREDIT ADJUSTERS ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous effort to alert you that I am a victim of identity theft, and I am writing to dispute some elements in my file as a result of the crime. The things I am challenging have nothing to do with any transactions involving the acquisition of products, services, or money that I have made or authorized. Please stop reporting any information in my credit file that was obtained through identity theft. I'm not familiar with these items. Also, the information that some Credit Bureaus gave on certain accounts has been DELETED from other agencies, raising questions about their authenticity, and the recorded payment history on several accounts is a mystery to me. Authority to decline or rescind, as required by FCRA 605B ( c ) ( 1 ) ( C ).

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please remove the following items as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX FINC XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Im sorry but you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact? WHAT IN THE XXXX GIVES YOU THE RIGHT TO DETERMINE MATERIAL FACTS? YOURE NOT A JUDGE OR JURY!!! NOR DO YOU HAVE ANY RIGHT. The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law. Ill give you one last chance to process my request for my identity theft or I will be seeking a legal remedy in the courtroom where you WILL BE HELD LIABLE for damaging my name, credit & all my emotional issues Ive been dealing with due to this issue. Im sure MATERIAL FACT will definitely become VERY APPARENT & you will be paying me for your negligence. XXXX XXXX. Please remove this fraudulent account immediately.
Product: Mortgage

We refinanced with Mr Cooper in late spring of 2021, made the first few payments and everything seemed normal. In late XXXX of 2021 the company completed a reevaluation of the escrow accounts and determined that our payment was to increase from {$2700.00} per month to {$4200.00}. 

During the month of XXXX we have contact the customer service twice by phone, and three times on the web service. Each time we were informed our request would be sent to another department to look into the problem. Some of the written requests were replied with comments to the effect that the problem has been previously addressed.

We have taken the time and gone through the paperwork. The problem in the escrow is a fire tax payment. Mr Cooper has added the tax, at 10 times the actual cost. The tax has also been paid in full, it has always been, and is always billed directly to the home owner ( comment made by the fire tax collection office ).

We have taken the five minutes of time and called the fire tax collection office ourselves and verified we were paid in full and the above information. We have relayed this information to Mr Cooper customer service, who then states they are sharing the information internally with the department with whom we are not allowed to speak.

In the end, this is a huge increase in our monthly payment which we can not afford for the next 12 months. But it is also a payment we should not have to make for the next 12 months. Mr Cooper seems content to float our cash and does not care about the personal costs that might be occurring. We feel that the company is not acting in good faith. 

The system Mr Cooper has set up blocks real problem resolution, I can only assume so that the majority of customers give up.
Product: Debt collection

Wakefield & Associates have annotated on my Credit Report for a bill owed by XXXX XXXX XXXX of SC ( XXXX XXXX XXXX ). I have no knowledge of the account, made an attempt to contact using the Account number annotated on Credit Report the Representative could not find anything. I am a XXXX Military personnel/XXXX XXXX XXXX Veteran. My Medical is covered by the Military/Veteran Administration. I relocated from South Carolina in 2018. I am requesting this erroneous annotation removed and corrected.
Product: Student loan

Payments mishandled Got bad info Reducing payments Flexible repayments Fees charged Customer service Can't delay payments Need balance/term info Keep getting calls Wrong info on report Getting a loan Credit reporting Credit/identity protection Improper use of report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for failing to correct multiple inaccuracies on my consumer report, despite my repeated efforts to resolve this issue through notarized letters directly to their office. These inaccuracies are causing me considerable harm, including denial of credit and unfavorable loan terms. 

I have discovered that my TransUnion credit report contains numerous incorrect addresses and phone numbers that I have never used or been associated with. I have lived at my current address for over 12 years and have maintained the same phone number for 13 years. No other addresses or phone numbers are valid for my personal and financial dealings. The appearance of this incorrect information is alarming and suggests a potential mix-up with my personal data or identity theft, a situation made even more concerning due to past data breaches associated with credit reporting agencies. 
Specifically, the incorrect information includes : * Addresses that are completely unknown to me, one of which is associated with a teacher 's agency * A phone number I have never owned nor utilized. 
* Employers I have never worked for being displayed on my consumer report This misinformation has already had tangible negative effects on my financial standing. For instance, I was recently denied a loan for an automobile due to the inaccurate address details reflected in my credit report. Such errors have unjustly impacted my creditworthiness and have subjected me to higher interest rates and financial scrutiny that I should not be facing. 

The persistence of this problem despite my efforts to correct it, including sending multiple notarized letters to TransUnion, is unacceptable and negligent. It is imperative that TransUnion take immediate action to rectify these errors. 

Therefore, I urgently request the CFPB 's assistance in this matter. I ask that you compel TransUnion to do the following : * Perform a thorough investigation into the inaccuracies reported on my credit file. 
* Remove all inaccurate addresses, phone numbers, and any other incorrect information from my credit report. 
* Provide me with a revised and accurate credit report upon resolution of these issues. 

I have attached copies of my previous correspondence with TransUnion, as well as evidence of my actual residence and phone number records for your reference. 

I appreciate the CFPB 's attention to this critical issue and look forward to a prompt resolution. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

Today I received a call from a company with a  XXXX  area code. Eventually they left a message saying they were filing court papers with  my county t o sue me and will serve me at my home or job.     If my job was served, and I was unavailable then they would get my supervisor to accept my summons and I would be sued.     The number they left is for a Georgia office by Chaplain Services. Everyone is saying this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX  ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Portfolio Recovery. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity.

808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes.

Given the lack of documentation and absence of a contractual agreement, the actions of Portfolio Recovery are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
Product: Mortgage

We have submitted numerous applications trying to save our home from foreclosure. 
The family has sent at least 20 applications giving all requested documents and hoping and praying each time that this is the time that we will get an approval. I have no idea why we have had to submit so many applications and strung along so many times believing that we were going to be helped we need our home for our small children to raise our family. 
Our combined income is {$100000.00} for 2018. We have saved money to pay our mortgage. We have been ready and willing to work with Rushmore Loan Management Services. For whatever reason they give us the run around for many years now. 
Please help us save our home.
Product: Debt collection

On XX/XX/18, an item that had been previously paid before collections was finally removed from my credit report. This is a debt that I have been disputing for years now. Held by XXXX in the amount of {$220.00}. XXXX agreed to close my account under the condition that I return the phone that was being leased. This was to cover what was left on the phone to pay. Months later, I received a collection notice. I contacted XXXX, begged them to look into the phone conversations that took place to confirm that I was in fact told that I could leave XXXX XXXX and clear by sending them my phone and they said that in the fine print of the contract, it states I would have to pay off the phone and then keep it. They said there was nothing they could do now that they sent it to collections and the refused to send my phone back. This " debt '' has passed through XXXX XXXX now, and it has been removed twice. It's been reinserted for the second time. Not ONCE was I notified that an item was reinserted to my credit report. Not by the collection agencies and not by XXXX or any other bureau. I have been in the process of trying to repair my credit and keep hitting brick walls with this collection. I want it removed. This was settled years ago after I sent them their immaculately maintained phone. Further, I have lost most respect for these credit bureaus. They have responsibility over our entire lives by reporting debts correctly and more often than not I have found that they are inaccurate. I have NEVER once received notice that an item was reinserted on my report and this has happened before.