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

Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ). XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is in direct violations of my federally protected consumer rights. I use my consumer report to extend myself credit, my federally protected right per 15USC1602G. 15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agencies have assumed its role per 15USC1681 ( a ) ( 3 ). They must report what I instruct them to. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. On or around XX/XX/2021, XXXX XXXX XXXX XXXX out the balance on an alleged debt and sold the account to NCB MANAGEMENT SERVICES, an invasion of my privacy & violation of my federally protected rights. I previously commanded XXXX XXXX XXXX to cease all collection of any alleged debt and to cease all communication with me and all 3rd party debt collectors in regards to me for all purposes. XXXX XXXX XXXX is currently in violation of my federally protected rights. My question for XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is did XXXX XXXX XXXX inform NCB MANAGEMENT SERVICES that I demanded XXXX XXXX XXXX to cease all further communication with me and any 3rd party debt collectors in regards to me for all purposes?

Before we get to validation per 15USC1692g, the FDCPA states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES must have my permission to communicate with me per 15USC1692c. XXXX XXXX XXXX and NCB MANAGEMENT SERVICES does not have my consent to communicate with me or any 3rd party debt collectors in regards to me for any purpose. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I am NOT requesting an investigation or verification because Congress states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES do not have the power to do so per 15USC1681 ( a ) ( 3 ). I am commanding an expeditious and permanent deletion of adverse account being furnished and immediately and permanently stop reporting for all purposes and to cease any further communication with me and any 3rd party debt collectors in regards to me for all purposes. 
I never gave XXXX XXXX XXXX or NCB MANAGEMENT SERVICES consent pursuant to federal law 15USC1681b ( 2 ).
Product: Credit card or prepaid card

I currently have two balances with Ollo Card. Most of my balance is a balance transfer that carries 4.99 % interest until XX/XX/XXXX. The high interest balance has had several interest rate increases over the past year because of the Fed raising rates almost constantly. My issue is that even though I send in payments that are over-the-minimum, the over-the-minimum payments are NOT being applied to the high interest balance, which currently sits at 27.49 % I have not used this card at all since XXXX of XXXX, other than the balance transfer that took place on XX/XX/XXXX. At that time, the high interest balance was {$1300.00}. Since XXXX of XXXX, I have paid {$800.00} OVER the minimum payments, which should have been applied entirely to the high interest balance, but has not been. My current high interest balance is STILL over {$700.00} - {$700.00} according to the XX/XX/XXXX statement. Had my payments been applied as required by law, my high interest balance should now be {$540.00}. I believe that Ollo is purposefully keeping my high interest balance as high as they can so that they can accumulate as much interest as possible. Since the Fed began raising rates, my interest rate has jumped over 5 points which has been very profitable for credit card companies like OLLO. 

At one point between XXXX and XXXX of XXXX, my high interest balance actually INCREASED by XXXX cents!! How is that even possible when I always pay over the minimum AND I have not used the card since XXXX of XXXX? 

On XX/XX/XXXX, XXXX XXXX EST, I spoke with XXXX at Ollo customer service regarding this matter. She referred me to her supervisor whose name is XXXX. XXXX told me that this matter would be researched and that I would receive notification of their findings within 30 days via US Mail. I have given them two statement periods to correct this issue and nothing has changed and I have not heard anything from Ollo via email or US Mail. 

I believe that Ollo Card is in violation of The Card Act of 2009 by not applying every penny of my over-the-minimum payments to the high interest balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I discovered that there was some inquires that I did not authorize. I contacted all 3 credit bureaus to dispute and place a freeze on my account. Transunion did not place freeze on my account, after being informed by phone and mail that I experienced identity theft. I also attached a copy of my FTC complaint that I filed. People are still attempting to run my credit, someone was even able to run my credit fr numerous loans and credit card. I just checked my transunion account and there is no freeze in place. I had to create an account, which I did. After filling out the info and submitted and a note popped up that stated unable to complete request.
Product: Mortgage

Over a month before my insurance was to renew ( XX/XX/2024 ), I sent the mortgage company a request through the messaging portal on which policy to renew. I specified the premium of the policy we were cancelling and the premium amount of the new renewal policy. I confirmed and XXXX sent ( XXXX - XXXX ) the new policy 's declaration documents. They ended up paying the wrong policy delaying the escrow determination and increasing my monthly mortgage amount. 
On XX/XX/2024 called the mortgage company ( XXXX - XXXX ) immediately as soon as received the credit from my insurance XXXX complaining about this matter. I asked them what amount I needed to pay to reduce my mortgage amount. They said to go ahead and pay the credit I received and the monthly mortgage amount will be adjusted based on what I paid back. A week past by and my mortgage remained unchanged. Around XX/XX/2024, I called back the mortgage company asking why the mortgage amount has not been updated to reflect the additional amount I paid towards, escrow. They then said something completely different from the first time. They said I had to pay the full due amount not a partial amount. I asked them what amount I needed to pay for it to be the full amount. I went ahead and made that payment. A week later I went onto the portal to make my mortgage payment hoping that the mortgage company reflected the additional escrow I paid onto my mortgage amount and made the adjustment. It turned out that they didn't! 
I called the mortgage company AGAIN on XX/XX/2024 asking what the heck is going on?!? They said the payment towards the escrow was short by {$27.00}! I asked them why they gave me the incorrect amounts XXXX times?! They couldn't provide a response. I told them I have a mortgage payment due XX/XX/XXXX and I needed to get this resolved straight away. They weren't helpful at all. They took the difference from me and said it won't be reflect in XXXX 's mortgage payment and that I had to pay it in full. I am unable to pay the mortgage because it is not showing the correct amount after I paid towards the escrow balance. Now I am at risk for paying them late and they haven't been able to correct their mistakes. 
On XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New car financed through XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX totalled XX/XX/XXXX, XXXX rec 'd full payoff in XX/XX/XXXX. Employee at XXXX in XX/XX/XXXX made error and brought car out of total in system and marked us as 120 days late. WE NEVER EVER MADE ANY LATE PAYMENTS THROUGH CC!!!! I have spent OVER 2 dozen hours on the phone OVER the past 4 years to have this removed off my credit reports TO NO AVAIL. It has cost me credit and interest rates. It still shows up in XXXX " everyday system '' as 120 days late, even though not one payment was even a day late! ENOUGH!!!!!
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 violates 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 valuable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  . Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

As I routinely check my credit profile via XXXX XXXX, I've noticed inaccurate reporting on there. I've notice unauthorized inquires as well as accounts that has been reported. I've contacted the creditors personally and they have advised that I contact the bureaus. I've been contacting bureaus on multiple occasions and still, no progress. I was advised to send in a police report and a FTC report which I did via postal mail but each bureau claim that they have not received those documentations. I follow each step promptly and still, no progression.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY CHECKED MY CREDIT REPORT WITHOUT MY PERMISSION. THERE IS A STATEMENT ON MY CREDIT REPORTS THAT STATES TO CALL ME AND MY NUMBER IS LISTED FOR THEIR USE TO CALL ME, I DID NOT APPLY FOR ANY CREDIT FROM THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT. ALL THREE CREDIT BUREAUS KNOW THIS. THIS IS WHY THERE IS A FREEZE ON MY CREDIT REPORT. HOW THEY GOT INTO MY REPORTS I DON'T KNOW, MY CREDIT IS BEING CHECKED FOR SOMEONE ELSE. THIS IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with the information on my credit report. 
My only address XXXX XXXX XXXX, XXXX, OH XXXX. 
My Current Employer is XXXX Please delete/remove this following address, I do not live at XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mines please delete/remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit card or prepaid card

Please review the information provided and understand that I am a victim of fraud and misrepresentation. I have paid the outstanding amount that was borrowed within the timeframe that was explained to me. Currently, I am experiencing hardship because I am located in a FEMA designated disaster area and I am asking for you to review this interest charge and waive it. My original purchase date was XX/XX/XXXX, when I spoke with the representative at the store I was assured I had exactly 12 billing cycles to pay off the balance before the interest is charged for the year. According to my last statement, the interest was charged on XX/XX/XXXX. My payment due date for the last statement was XX/XX/XXXX. The salesperson at XXXX has engaged in blatant fraud and misrepresentation of your terms and did not provide any documentation as we signed on the pin pad for the agreement. We were told the packet with terms and conditions would be mailed but it was never received. 
Given the situation, we were calculating the payments based on the promised 12 statement cycle period. The original purchase was XX/XX/XXXX which was included in the XX/XX/XXXX statement. We paid our XX/XX/XXXX statement in full. The statement had an expiration date for the promotion of XX/XX/XXXX which was 5 days before the end of the statement cycle. The statement did not specify we have to pay the balance before the statement actually ends on the XXXX. We spoke to multiple supervisors who were very rude, including supervisor XXXX ID XXXX regarding this issue and they stated that they did not care about misrepresentation, fraud, or the 12 statement cycles we were promised and did nothing to help rectify this situation. Please understand my predicament, this was a simple mistake based on the information provided by the salesperson and the lack of definitive payment due dates that are missing from your statements. Moreover, a check was mailed to their company on the XXXX of XXXX. I provided TD with the check number and all the details and they are claiming that my check was lost. How convenient for the company to lose my check and charge me 30 % interest. Also to be noted, when I signed up for the card, I was never given, read or provided any disclosures. I also have not received them later in the mail. I had to call the bank and ask for instructions so I may be able to make payments online at least because I didn't even have my account number. Moreover, the bank closed my account unilaterally ( presumably because their partnership with the store ended ) but I was never notified about that until I pulled up my credit report and noticed that the account shows as closed.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees apply to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by CFPB, which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to let me dispute an account. They said by law and they cite the law, I can only dispute something one time. 

They have an account on my credit report that was sold to a collection agency 2 years ago, however the account is still listed under the original account holder. 

I want the account holder who sold the account added to my report as that would CORRECT credit reporting and the new owner listed. Therefore I can contact the new owner to resolve this. 

As it stands now the current owner, has no record of this account and have since been mailing me offers of new credit/catalogs. 

Experian seems to be the XXXX XXXX XXXX XXXX, that does what they want and makes up their own illegal rules and they do not comply with Federal Law.
Product: Credit card or prepaid card

Bank of America ( BoA ) through their Card Services division is using their size and might to influence legal transactions by discouraging legitimate commerce in otherwise private transactions. Specifically BoA is advocating for anit-gun groups by refusing to do business or allow business transactions to occur using their credit/debit card services for firearms and firearms accessories. It is not, in any manner, a good business model for a large corporate bank to stick their nose into my affairs by tracking/assessing what goods and services I choose to purchase which are legal, and thereby disallowing my transaction to occur simply because of the BoA mantra in how they want to influence the marketplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 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  According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Upon opening my account with Navy Federal last year, I encountered several issues. Initially, there were problems with unauthorized access to my account and unauthorized transfers of funds to accounts that were not mine or in my name. These issues were promptly resolved. 
Subsequently, I encountered another problem when someone attempted to obtain a loan in my name without my authorization. As a result, my account was closed, and I was restricted from accessing it. I subsequently filed a security appeal to dispute the unauthorized loan, and my appeal was successful. However, despite the evidence proving that it was not me who had taken out the loan, my account remains restricted.
Product: Vehicle loan or lease

Security National Automotive Acceptance Company   XXXX   XXXX   XXXX ,  XXXX , Ohio  XXXX  ext  XXXX  On  XXXX    XXXX   I filed a deferral for my car payment due to the fact that I unexpectedly lost my job. Since then, I have file d 5 c redit disputes ( probably more ) because SNAAC has not reported my payments correctly to the credit bureaus. The  XXXX  payment shows up as a late payment and my payments after  XXXX   a'rent even  reporting. I have made all of my payments on time but because its not showing up on my credit reports correctly, my score drops tremendously.  SNAAC  has told me that its the Credit Bureaus fault and the Credit Bureau are telling me to contact SNAAC. I am being ran in a circle and my problem is n't getting fixed. I have been working diligently to fix my credit and this is very distressing. After i file the dispute, my account is made current but the following month, it reports incorrectly. My  credit score goes up to 630 and as soon as SNAAC reports it drops back down 560 and i have t o dispute again. For almost 5 months now, this has been going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Medical Data Systems several times advising them that the collections they are reporting do not belong to me. They have not provided validation of these debts or there investigation methods. The following accounts need to be removed immediately. 

The following accounts need to be removed : 1. Medical Data Systems- Account # - XXXX 2. Medical Data Systems- Account # - XXXX 3. Medical Data Systems- Account # - XXXX
Product: Debt collection

Had a card with XXXX XXXX. Fell behind because of sickness. Account was closed and turned over to collections. Profollio Recovery. They in turned got a lawyer office in Georgia to find suite in magistrate court. Was served but did not know where from. I didn't know I could have disputed it. Since XXXX I have been paying {$100.00}. They said it should have been paid off in XX/XX/XXXX. They are threatening to take me to court for {$400.00} dollars. Original debt was over {$4200.00}.
Product: Mortgage

Our Mortgage was purchased by Roundpoint Mortgage Servicing Corporation in XXXX of 2014. In XXXX 2014 they took funds from escrow to pay our city tax. In XXXX of 2014 we received notification from the city that our taxes were never paid. We immediately contacted Roundpoint. After some investigation on their end, they told us that they pay taxes in " groups '', and our payment went to someone else 's taxes. Roundpoint said they would correct the error, and make sure our taxes were paid. They never credited our escrow account for the misappropriated tax funds, they just took another deduction from our escrow to pay the tax bill. At XX/XX/2014, they performed a escrow analysis and found our escrow to be short ... They sent us notification that our monthly escrow payment was to be increased by {$100.00}. I immediately called them to ONCE AGAIN complaint that they still had not credited the funds for the misappropriated taxes back to our escrow. Every time I call, I am connected to a different account representative, who always says " they are going to open an investigation ''. I was told I was not able to speak directly to a manager, and that they do n't even speak with management ... They have to email a manager and wait ( with you on hold ) for a reply. I have spent countless hours on the phone with these people, and they ca n't seem to make it right!!! Now, we have no choice but to pay the higher mortgage payment, because if we do n't, there will be negative consequences to our credit history. I am so sorry that this institution purchased our mortgage.
Product: Credit reporting

Hello, Please view case numbers : XXXX and XXXX for CFPB. I have been trying to get Equifax to remove this incorrect information off my credit report for over 8 months. This has stop me from buying a house and applying for credit. Now, I have a letter from " XXXX '' stating my identify stolen and this could have taken place far as XXXX years ago. I have medical charges on my credit report which are not mind and Equifax refuse to remove them. In addition to an old account dated back in 2006 for XXXX # XXXX that is not mine and showing I 'm late and dropping my credit score to a XXXX. This score is a XXXX point off the other agencies ... How is that? I have sent Equifax the police report, but they are above federal law and keeping people credit score down to sell information to inflate interest rates. Please help me and investigate why Equifax will not remove these negative accounts off my report : XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX have attached supporting documents. Also, I will allow you to review my credit report. 
Thank you in advance! 
XXXX XXXX