23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I make my payment every month on the due date. It is important to know that I am a veteran who suffers from a XXXX. Because of this I have memory problems. So every month I pay my bills on the Date stated on My Bill. It seems that Bass pro shops/Capital one has created a Cut Off time which gives people on the XXXX XXXX XXXX XXXX XXXX hours to pay their bill, While the people on the XXXX XXXX have to pay their bill at XXXX PM XXXX XXXX XXXX This constantly causes me to have a late payment because when I get home from work, I pay my bill but it is after the XXXX Eastern time Cut Off. 
This should Not be allowed. Why do they allow people on the XXXX XXXX until XXXX to pay, but here on the west we only have until XXXX. My Bill says XX/XX/2022, then I should have until XXXX on XX/XX/XXXX to pay my Bill! This is Not an Impossibility in 2022. Capitol one Can make that so and should. Thank you
Product: Credit reporting or other personal consumer reports

Accounts compromised on XXXX web 1681e. Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.
Product: Debt collection

I am getting repeated phone calls from a debt collector. I told them when I can pay the bill and they continue to call several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX.
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.

Futhermore, 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 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

In accordance with the Fair Credit Act XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 2023, the account was reported as current. This was an update from when it was previously listed as being in late status. My account still shows as having a late payment with XXXX. I was want that corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in my credit file is inaccurate. there are several months that I'm listed in collections " C '' when I was not. I was only ever required to pay {$15.00} per months and at times paid more when able. In addition, in XXXX I made a settlement agreement to pay {$1400.00} instead of {$1500.00}. In XX/XX/XXXX I paid the agreed amount in full. I only have two open accounts and this continued error has been detrimental to my credit rating. 

The inaccurate months are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Honda Financial Account ending in XXXX is still being reported to the 3 credit Bureaus as open when account was satisfactory paid off on XX/XX/21 by law under FCRA this account needs to be deleted from all three credit bureaus for reporting inaccurate credit reporting on my credit profile and I want this removed immediately
Product: Credit card or prepaid card

My statement for XXXXSynchrony Bank account ending in XXXX shows a {$1200.00} interest charge on XX/XX/17. The agent stated that once the promotion was up, I was charged interest for the full previous year. I've never heard of this. Usually your promotion is up and interest STARTS at the month the promotion ends. So i had a $ XXXX balance and was charged {$1200.00} in interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 ive disputed these accounts with XXXX, XXXX  and experian. i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies XXXX instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.XXXX  especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Derogatory collection on credit report - XX/XX/XXXX Harassased and threatened that interest would occur and that my credit would become even more damaged - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX - Spoke with leasing manager of original creditor. No record of me being a tenant at the apartment complex, therefore she could not find if there any debts owed by me or if there were any debts at all. I contacted the 3rd party debt collector who then informed me in a passive aggressive manner that it did not matter that the original creditor could not locate any records.
Product: Debt collection

Account name : PROCOLLECT , INC  Account Number : XXXX It has come to my attention that PROCOLLECT , INC is illegally reporting on my credit report. PROCOLLECT , INC claims that i owe them {$2100.00}. I would like for PROCOLLECT , INC to please send me the ORIGINAL contract or instrument of indebtness that is signed between PROCOLLECT , INC & I stating that we are in a legally binded contract with XXXX another and that the debt claimed to be owed is valid. 

On top of the above, based on the information provided by https : //nmlsconsumeraccess.org/ which is a legal website to verify debt XXXX ; PROCOLLECT , INC is NOT XXXX licensed to practice debt collection in the state of Florida. ( Please see attached image ) Thirdly, I would like for PROCOLLECT , INC to cease and desist ALL communication including credit report reporting immediately. 

15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. It mandates that these agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. If inaccuracies are found, consumers have the right to dispute them, and the bureaus must investigate and correct any verified errors.
Product: Bank account or service

BANK OF AMERICA REFUSES TO ANSWER QUESTIONS OR GIVE A VALID ANSWER, Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because they believe you may have been a victim of fraud. You may want to contact the company directly for more information. 

THIS IS NO VALID ANSWER, ITS XXXX!!! OF COURSE IM A VICTIM OF FRAUD, AND BANK OF AMERICA IS THE PERPETRAITOR!!! CRIMINAL, THEYVE BEEN REPORTING ON A DEBT THATS ALLEGED, THEY CANT SHOW ANY VALIDATION NOF DEBT, FURTHERMORE ITS OVER 7 YEARS OLD!!! AND THEY PERSIST ON COMMITING CRIMES, THATS OK, WHEN THEY RECEIVE MY COMMERCIAL AFFIDAVIT AND DO NOT RESPOND THEN I WILL FILE A NON-JUDICIAL COMMERCIAL LIEN AGAINST THEM BECAUSE OF THEIR PROVEN CRIMINAL INTENT RIGHT HERE ON THIS PUBLIC FORUM IVE COMPLAINED ABOUT 10 TIMES AND THEY REFUSE TO ANSWER SILENCE IS ACQUIESCENCE SILENCE IS FRAUD SILENCE IS GUILT THEIR XXXX CRIMINAL WORKERS IN THE FRAUD DEPARTMENT KEEP ASKING ME FOR A DEBIT CARD NUMBER FROM 8 YEARS AGO,!!!! THATS PRETTY XXXX!!!!! 
FURTHERMORE THEY CAN NOT PRODUCE A VALID CONTRACT WITH ME AND THATS MORE DAMAGES!!!! THE ACCOUNT HAS BEEN CLOSED SINCE 2009,!!! 
XXXX CRIMINALS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my XXXX credit report from XXXX XXXX. I previously had XXXX for my TV and internet service. Upon cancelling my service I returned all equipment and paid account in full. The collection on my credit report is not accurate and should be removed.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

The company that is claiming that I have a debt collection is attempting to collect money from a charged or written off account that was done so in XXXX. It now in my collections wrongly there. I want XXXX, XXXX and whoever else to remove the false account and information.
Product: Payday loan

I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : PLS, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, Discover Bank, XXXX XXXX XXXX  & XXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX and TransUnion on multiple occasions I was reviewing my credit report recently and noticed hard inquires that I have no knowledge of and did not authorize, I've contacted each beareu at least twice weekly and they refuse to remove them.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

I have never been late on this account and infact paid it early. If there were issues that might have resulted from paymnet system that is not my fault. I was tired of dealing with thier wrong information being reported and called to just pay the loan off. I was promised that if I did so this would be removed from all credit agencies. I completed my end of the agreement and nothing happened. I paid the acount almost 1.5 years early!!! not only was this always paid as agreed but how did I get title if this was not. All and any negative information needs to be removed as promised in the phone conversation when I was making the final payment!!!!! This company lies and needs to be investigated.
Product: Debt collection

on the XXXX of XXXX, i notice some collections from SOUTH MISS COLLECTION ON MY CREDIT REPORT WITH ALLEGED BALANCES OF:XXXX, AND XXXX THAT I DO NOT OWE.I SENT THEM 3 LETTERS ON XX/XX/2020 REQUESTING FOR INFORMATION CONCERNING THOSE DEBTS.I HAVEN'T RECEIVED ANY AS OF YET AND I ALSO ATTACHED COPIES BELOW.