23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a payment to XXXX XXXX XXXX, it was taken from account on the XXXX then for no reason returned on the XXXX, without any notification from XXXX as to why. Then when trying to pay before a late fee was applied, I was charged twice because of a glitch on the website. After calling to have the extra payment returned I was promised that the over payment would be returned. Then returned both payments, one by mail and told that I had to make another payment and would be charged late fees and the late payments would be sent against my credit score which they have and has drastically effected my credit score.
Product: Debt collection

All of the above. They were previously required to not contact me by phone. They have contacted people we know, employers, landlords even before initiating contact with us. They ask questions of minor children, talk to whomever answers our phone and ask for work phone numbers. Tell people it is debt collection and threatened me personally with regard to " digging into my personal background and history no matter what length ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/2024 XXXX XXXX - XX/XX/2024 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: Debt collection

On XX/XX/2024, I submitted a dispute with the three major credit agencies, clearly stating that I have never had any contract with Jefferson Capital Systems for any debt. I am requesting that you provide proof from the original creditor confirming that Jefferson Capital Systems owns this debt and has the legal authority to collect it. If you can not provide this proof, the account must be deleted. 

To date, I have not received any verification of the debt. I have never changed my cellphone number since I was XXXX, and it has always been with XXXX under my fathers phone plan, for which I can provide payment records. I have never had another phone, and it is erroneous that this debt has been allowed to persist for so long. Despite my attempts to settle with you out of goodwill, even though I owe nothing as this debt is not mine, your refusal to resolve this matter leaves me no choice but to prepare for legal action.
Product: Student loan

I paid off $ XXXX in XXXX school loans in XX/XX/2017. There is no information on XXXX XXXX 's website about what happens when loans are paid in full. I received no paperwork from them concerning the loan status once they were paid off. 

I have been trying to find out when they close the account, because the credit bureaus are penalizing me because they are receiving no information on the state of my loans. I have called once and emailed twice. 

They should have policies about closing the account when loans are paid off. Their should be a deadline on their end for filing the necessary paperwork with me and the credit bureaus. When they wanted money from me, they were very quick to communicate. Now they have no problem stonewalling me when I need something from them.
Product: Debt collection

XX/XX/year> I received a call from a XXXX  phone number XXXX XXXX XXXX and with only verifying my first name and nothing more the gentleman on the phone began to say that this will help me avoid pending legal action. He then proceeded to ask me for personal information. I have not received any correspondence from these people, so no dispute, and threatening legal action without properly verifying someone is also very sketchy. The only reason I know it is Midland Credit Management is because I XXXX  the phone number.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There are late payments reported on my credit report for a vehicle I leased.
Product: Debt collection

Text message regarding contacting Penn Credit at XXXX about a debt. I am well aware of the very little debt that I have. There is No reason for Penn Credit to text message my phone regarding business matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Automotive- XX/XX/year> XXXX XXXX XXXX XXXX Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX- Auto Financing Companies- XX/XX/year> XXXX XXXX VENDOR F- Machinery & Equipment- XX/XX/year> XXXX- Finance, personal- XX/XX/year> XXXX Finance , personal- XX/XX/year> XXXX- All Banks - non specific- XX/XX/year> XXXX XXXX- Finance, personal- XX/XX/year> I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit ( Credit Bureau ) permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. 
Please remove the inquires from my report.
Product: Debt collection

MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos )  RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. 
I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! 
It is 2 different amounts for same day of service
Product: Credit reporting

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX XXXX County told me that they do not verify that information. 
XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I accidently deposited {$2000.00} when I meant to deposit just {$1000.00}. I accidently double clicked the purchase button. 

As a XXXX XXXX myself, it is common sense when programming buttons, especially that purchase something, that either the second clock is not read or a prompt is brought up asking if the second clock is correct. This is entry level programming stuff and Gemini, as a large exchange, doesn't have this safety functionality? 

To top it off, i immediately I separated the XXXX  into XXXX USD and XXXX XXXX so Gemini could easily send the bank back the extra XXXX, which would have overdrawn that account. 

They took that XXXX and sent it back to the bank immediately. 
I purchased XXXX cryptos that day. 

However, they froze my account afterwards and asked for some identity verification. I have fully submitted everything 3 times and it is 30+ days later and all I ever get is an email saying they will get back to me soon. They still have not. 

Meanwhile the value of my account has plummeted to XXXX XXXX I asked them to switch my funds to XXXX while waiting. They said no. I told them to liquidate my account and send funds back to original bank account, again no. 

I can not access my money for 30+ days and it is impossible to get anyone on the phone. I want my funds returned and to warn everyone. 

DO NOT USE THIS EXCHANGE. HORRIBLE CUSTOMER SERVICE AND YOU WILL NEVER GET TO ACTUALLY SPEAK TO ANYONE. PHONE # IS NOT PUBLISHED ANYWHERE.
Product: Debt collection

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care that I want to dispute unauthorized items reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries need to be deleted. 
I included my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX my wife had XXXX XXXX XXXX she was on fmla for 12 weeks have tried since XX/XX/year> to get back to whole. They keep telling us about a program we do it and then get denied. We are now 5 months behind and they dropped our credit from XXXX to XXXX. My wife is back to work we just need arrears deferred until end of note. We have never missed a payment and going forward would not. XXXX was not something we planned.
Product: Mortgage

I am filing this complaint against Nationstar Mortgage LLC, herein referred to as Nationstar, because of their continuous efforts to attempt to collect on a debt that I dispute they own. My mortgage did not originate with Nationstar. If I recall  Nationstar became my servicer when my loan was in default or they are servicing the debt on behalf of an entity that received the alleged debt while I was in default. Because the entity Nationstar services the debt for received the alleged debt while I was in default, they are " debt collectors as defined by the Fair Debt Collection Practices Act, hereinafter FDCPA, 15 U.S.C. 1692 ( a ) ( 6 ). Nationstar has continually falsely represented the character, amount, and legal status of the debt, and are threatening to take action that is not legal for them to take. Currently, there is a foreclosure sale scheduled on my home for XXXX XXXX 2017. This nonjudicial foreclosure action is in violation of 15 U.S.C. 1692f ( 6 ). Nationstar has refused to work with me in terms of a modification agreement. Upon their refusal to work with me in modifying my loan, I sought the assistance of an attorney. I was informed that based on the documents that are recorded in the XXXX County Recorder 's Office and based on my documents, Nationstar is servicing a debt on behalf of a debt collector who has no rights or authority to the alleged debt or my property. Under the FDCPA, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when the debt collector has no enforceable right to the property or does not intend to do so. Attached hereto, please find Notices of Trustees Sale evidencing the foreclosure sale set for XXXX XXXX 2017.
I am filing this complaint with the CFPB because Nationstar has blatantly disregarded the law and they continuously harass me about a debt that is not owed to them and falsely represent who allegedly owns it. Filing this complaint was not only necessary but recommended due to their violations. If nothing is done, they will continue with their blatant disregard for the law. <P/>Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

PayPal - I sold 2 gift cards on XXXX XXXX on XXXX. I received payment for both gift cards within minutes of the sale. I provided the gift card account numbers and access pinns within a half hour of receiving the payment. There were successful transactions, and I have not received negative feedback. I did request feedback from the purchasers, but as feedback is optional, it has not been left. 

To date, PayPal has not released the funds I received from these sales - 10 days after the sales took place. I have contacted PayPal about releasing the funds and they refuse. 

Transaction # 's : XXXX XXXX PayPal has sent me canned responses regarding their hold times policies. I understand these policies, I 'm a long time PayPal user. However, holding my money for this long is excessive, and I want my funds released for use immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Capital One has been paid before my first complaint was issued XX/XX/2020 The account XXXX is still showing a balance on my credit report and this account is paid in full
Product: Credit reporting or other personal consumer reports

I have sent multiple requests for Transunion to delete this info off my credit. I also did A FTC report. They have been completely ignoring me. I will have to take legal action next
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$24000.00}, XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$5700.00}, XXXX XXXX XXXX Date opened XX/XX/2022 Balance {$10000.00}, and XXXX XXXX, XXXX XXXX Date opened XX/XX/2022 Balance {$77000.00}. Please remove ASAP.
Product: Checking or savings account

I had a bank account with USAA in which I no longer have access to do to fraudulent activity. There was almost {$5000.00} worth of charges to my account from overseas in XXXX XXXX XXXX I spoke with the bank and they told me that they worked along with their fraud department and came to the conclusion that I was being accused of being involved in the fraudulent activity of my account which I was not. I called the fraud department many times and got no answer. The case has been closed and I was told not only would I not get the remaining balance in the account, but that I owed the bank money as well. 
Also, my account was connected to my mother 's account with USAA as well and her account has also been frozen and she is also unable to remove her remaining balance. I believe that my personal information was somehow stolen, also a college that I once attended ( XXXX XXXX XXXX XXXX ) sent out letter later that year advising students that there was a hack in their systems and students personal info including name, addresses, and social security numbers had been compromised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 Ford Motor Credit Corp add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX., XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I have a Digit account that helps me save money & you guys are blocking access. The app is a great account Ive been using since 2018. Please fix that service.