23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We claimed bankruptcy last year in around XX/XX/2016. Our accounts got frozen by my bank because i had a car loan with them but they choose to freeze them completely until they got a notice from the courts that everything was discharged. 

Once that was done I made catche up payments and did. however over a year later they are saying that i missed several payments and owe $ XXXX. I have sent them proof 3x that everything has been paid. 

They never send me a monthly statement on what i owe or of any late charges. Instead they sent me a notice that I owe $ XXXX in back payments. 

When we ask for this information they refuse. At one point they state I have a $ XXXX credit at the same time I owe $ XXXX and was stated that they maybe mixing up payments. 

this is for XXXX XXXX
Product: Debt collection

RADIUS GLOBAL SOLUTION did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and laws of title 15 USC-1692k section 813, 1692k ( 11 ), 15USCode-1681n-for every unauthorized inquiry on credit report! 
15 USC-1681b ( c ) ( 1 ) 12 USCode-83-banks can not lend money as defined by law they are the borrowers and they purchase securities. A deposit is banks record of it's debt owed to the public 15 USC-1635/12 CFR-1026.3 ( b ) ( 1 ) ( i ) ( a ) Bills of Exchange ACT of 1882 Federal Reserve ACT Currency ACT Birth certificate ACT Securities exchange ACT Federal Reserve ACT , section 16/credit denials are unlawful. The application is a Promissory Note Breach of contract which constitutes securities fraud!
Product: Debt collection

On or about XX/XX/2019 XXXX and my wife started to receive persistent calls from XXXX XXXX XXXX from phone # XXXX. My requests to cease calling us was ignored.
Product: Debt collection

XXXX - XXXX Internet Service : XX/XX/2023 My internet was turned off by a woman who is truly a threat to society. I called XXXX - XXXX, they said the person that called had my personal information, and told them to shut the service off when I never gave any permission to. They helped me get it turned back on with more security. 

XXXX XXXX Straight Talk : XX/XX/2023 and XX/XX/2023 My phone service was hacked into by the same woman thats a threat. I contacted my Straight talk service to rectify the issue that the same woman is causing, they explained they have now made it safe, however I still had to change my number days later. 

XXXX : XX/XX/2023 I received an email claiming I will be owning {$1300.00} from my account. I called the XXXX customers service line. They immediately helped me and gave me an email to protect my name considering I never had made an account with them. 

Credit Karma, XX/XX/2023 I received an email from Credit Karma claiming I opened a new account when I most certainly did not! We still havent fully been able to rectify that issue yet.
Product: Mortgage

My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.
Product: Debt collection

Recently received mail solicitations for filed lawsuits against me for debt that was never validated/ verified by XXXX XXXX XXXX . I received one phone call from a representative that stated they wanted to collect on a debt. I informed the individual that it was highly unlikely that I would be paying anything that I hadnt verified nor received anything in the mail. I was told to expect the mailing soon and I could then make payments. I told the individual that I didnt have the resources to make any payment that I am unemployed with XXXX XXXX and had recently lost everything in a flood. I never received anything from that company, call, letter, nothing but I received notice of a lawsuit. When I called last week, I was told that the accounts were closed but if I need to talk to someone, contact the attorney. Now, from my understanding as it is clearly noted on their website Consumer Bill of Rights, that collection activities are suspended and accounts are closed due to medical and financial hardships. They didnt provide proof that I owed them anything but I was upfront with them about my financial situation and illness and now Im being sued! There is no fairness and a whole lot of misrepresentation in those Bill of Rights!
Product: Credit reporting or other personal consumer reports

I filed a dispute through XXXX XXXX regarding a debt that has been placed on my credit report that i do not recognize and that this collection account has been placed by 2 seperate collections within 7 days of each other and shows a simular amount but does not identify who originally submitted this alleged debt for collections my first dispute i made to transunion about having no knowledge of this debt and the response to my dispute stated that the information regarding this collections is accurate and the debt belongs to me and complies with the consumer fair credit reporting and that my dispute is closed and no changes to my credit report will be made and so i submitted another dispute regarding having 2 collections on my credit report for what appears to be the same debt and the lack of information regarding who sent this debt to 2 collection agency 's also these collection agency 's call me several times a day 7 days a week they will sometimes call right back from a simular numbers and call from numbers that come up as potential spam numbers or restricted number i have taken photos of a few of the calls in my call history to show an example of the frequency in which i am being harassed by these collections
Product: Debt collection

Hello CFPB rep please find below, On or about XX/XX/2020 XXXX XXXX XXXX XXXX contacted me about a debt owed previously by another company of JCPenny credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as XXXX XXXX  address XXXX XXXX  XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX  and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXXXXXX XX/XX/XXXX payment history wrong for all 3 credit bureau
Product: Consumer Loan

I call my current auto loan company, USAA, and inquired about an auto loan since my current rate, 4.85 % was rather high. I spoke to representative and she indicated that I was pre approved for 1.4 % rate. My application number with USAA XXXX. I applied with the understanding my rate would be 1.4 % without any other rate or condition as conveyed by the representative. She did not outline any conditions or requirements for this application. Her name was XXXX. The representative then told me my rate would be 4.85 % not 1.4 %. She did not know why the rate changed. After she checked she indicated that the rate changed because I am using a used car not a new car for collateral. 
I asked to speak to a supervisor and after being disconnected and waiting for 50 minutes, I spoke to XXXX on the ERT team. 
XXXX explained to me a litany of information that was not conveyed by the sales representative including the rate was variable and is different for new and used cars. I requested that my application be terminated and the credit inquiry removed my credit history. XXXX indicated that she did not believe this could happen. How can a company fail to disclosed all of the required application information and not have the processes to correct the issue. 
If a loan company has the ability to check my credit they should also be required to remove the check if the company fails to perform all of the legally required disclosures.
Product: Debt collection

RE : Account Name : Preferred Customer Account ( Wells Fargo ) To Whom it May concern : Wells fargo put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they wouldnt take it off from my credit report. It is hurting my credit. They are calling me so many times everyday and harassing me. I am single mom and their calls are putting me into so much troubles at work my work 's place. I need help to get it removed from my credit report and to stop these harassment.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent and incorrect information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken loan ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX XXXX XXXX XXXX Equifax Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 



USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX XXXX XXXX XXXX XXXX  Equifax Account XXXX : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose XXXX ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Debt collection

This company has never contacted me. Furthermore they called me on a company line which I have stated to XXXX XXXX should not be on my account. this line has been in a port transition since XX/XX/XXXX. It was answered by the location that had it waiting for the port and told all callers my cell number yet this Central Credit Services still called on this number. Something is very fishy about that. They have never contacted me until today and I at least should have the right to protect my credit. if I knew XXXX XXXX had turned this over to collection then I would have had to pay to protect my record. But i didnt. and if they had turned it over how come century link kept speaking with me? No one has informed me.If Central Credit Services is where the calls get routed when in dispute with century link they have never identified themselves as a collection company or I have been mislead into thinking this was XXXX XXXX. I need the opportunity to pay it before it goes on my credit and seek other solution at the court level.
Product: Credit card or prepaid card

From XX/XX/XXXX-XX/XX/XXXX XXXX XXXX used my credit card to buy equipment for XXXX XXXX.  I have never authorized XXXX XXXX to make any purchases with my credit card. XXXX XXXX claims they had no idea where XXXX XXXX was getting materials and equipment from. I have reported the fraud to Chase Bank and to the XXXX Police. Chase continues to harass me even though I have already told them I have nothing to do with these charges.
Product: Money transfer, virtual currency, or money service

( I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 procer 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 ( 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

XXXX XXXX and TransUnion are sharing my personal information with third party companies on the promotion side soft inquiry which allows companies to review my credit report without making a hard pull which is a direct violation of my privacy rights under 5 USC 552 ( a ) and the privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the incorrect inquiry reporting on my Credit Report : XXXX XX/XX/2021
Product: Mortgage

My credit report incorrectly shows 3 late payments on my mortgage payments to XXXX XXXX ) XX/XX/2018, XX/XX/2018, XX/XX/2018. I have made these three payments on time. 
XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XX/XX/2018 ( XXXX account info ) XX/XX/2018 mortgage- Paid XXXX XX/XX/2018 ( XXXX  payment history file ) I am attaching both monthly bank statements and XXXX  account payment history file ( downloaded from XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have BEEN SENDING LETTERS SINCE 2022! I have reached out to you all ( THE CREDIT BUREAUS ) multiple times in regards to disputing inaccuracies on my credit report and I feel like no matter what I do, I am being overlooked. You're either accusing me of going through a third party or wanting me to take the difficult route of disputing online when I am able BY LAW to just send you a letter. It's easier for me to dispute through letters because I'm able to put it all together in one. I have learned so many things about this process and I'm applying it. I want to apply it without seeming as though my disputes are too advanced for me to have done it myself. It is simple to learn things, especially when it comes to your finances. ALL I WANT IS FOR YOU ALL TO THOROUGHLY REVIEW MY DISPUTES. I am not trying to dispute with laws. There are actual incorrect marks on my credit report that I want removed or updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I had a credit card with BBVA Compass for approximately 4 years. On XX/XX/20 I moved to a new address and changed my address with my BBVA bank account and credit card at the BBVA Branch in XXXX XXXX, CA. I updated my address on the phone and in the branch a total of 3 times. I did not receive any credit card statements for 3 months. I did not realize a {$1.00} XXXX charge had snowballed due to late fees and penalties as I never received the statements. BBVA had my wrong zip code and they were mailing my statements to the wrong city XXXX XXXX XXXX, Ca ) Subsequently, BBVA charged off my account for {$25.00} to settle this {$1.00} charge. It has negatively affected my credit score due to an error on their end that I tried to correct 3 times. The {$25.00} I paid also not correctly reported on my credit report.
Product: Debt collection

I signed up to take college classes at XXXX college in 2015. When summer/fall rolled around and it was nearing the first day I hadn't recieved a call back about my daycare spot. I called in on XX/XX/2015 to make sure everything was set in stone as school was suppose to start the following day XX/XX/2015. The school notified me that they did not hold the daycare spot for my children so I was forced to cancle the courses I signed up for. Several years later I noticed a collection on my credit report saying I owed them money! I tried contacting the collection agency and the school themselves and also disputed it several times. The collection agency sent me a letter from the school showing their cancelation policy which states if courses are dropped with in so many days of classes starting you will recieve a full refund. Well, I dropped my courses the day before school even started! On top of that their information is not accurate what's so ever. They claim i made some sort of payment to them which I never did that either. I actually ended up taking online classes through XXXX university and never took a single course through XXXX. This has been on my credit report and decreasing my score for quite some time now.