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

in accordance with the fair credit reporting act. the list of accounts below have 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 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 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 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 item of adverse item of information, other than records of convictions of crimes wich antedates the report by more than 7 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

My complaint is about convergent outsourcing. On XXXX XX/XX/2022 I placed a call to this company to settle a debt. Once I called them I explain to them what I was looking for they agreed to settle the debt. I ask if they could do a pay to delete a negative mark off of my credit. They told me no however they could settle the debt for a cheaper amount. And update the credit report that this debt was paid in full and had a zero balance. I agreed and paid {$1400.00} on a {$2600.00} debt. I was told in 5 to 7 days I would get an email letter showing that this debt was paid. That never happened. I called back six days later just to re-verify that this was going to happen they assured me that I would get this letter the next day. It never happened I ended up calling this company back maybe five or six times looking for this letter. My last call to them about the letter I refused to hang up until I got the letter in my inbox. Which was successful. Upon reading the letter the letter does not state that the balance was paid in full it just states that I made a payment which was not told to me that thats how that that letter would read. Once I checked my credit they did send an update to the credit bureau but the only update that they sent was the fact that I had pay {$1400.00} and that I still owe the balance of {$1100.00}. This company completely misrepresented what they were going to do for me just to get my money. I called back today which is XX/XX/2022 to inquire about getting this rectified. I was hung up on twice and once I called back I escalated the call all the way up to the manager. The manager got on the phone and try to get me to pay {$1100.00} In order to get the letter to state what I needed. He also went in to explain the different services that they offer when making a payment. And I explain to him that no one ever mentioned anything like what he was mentioning to me on this call. I told him that the clerk that took my payment misrepresented what they were going to do for me. I have all of these calls recorded and willing to share them for proof. If someone can contact me I would love to explain in detail over the phone. XXXX.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX. or after XXXX XXXX. unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.
Product: Credit card or prepaid card

Citi is not properly handling disputes. I called in and disputed a charge with XXXX. I told Citi that my authorized user did rent a car. That said, I received a second charge from XXXX claiming that my authorized user received a ticket while they had a car. They did not revieve a ticket though and did not receive a follow-up from from the Italian government. Essentially, the charge is bogus. I disputed the charge with some third-world employee at Citi and they said it would be taken care of. I call Citi to get an update and they tell me that they denied my claim because they need proof that I cancelled the service. What? What service? Apparently whatever third world employee took the claim put that I cancelled the car and that was why I was disputing it, which is not true. I clearly told them that this was an ad-on charge for a ticket that never happened. The rep I was speaking with told me the charge would go back on my card anyway and that I would have to make minimum payments until they update the dispute and correct it, which could take business weeks. I said that this was horrible customer service and that I wanted my account closed and would be filing a CFPB complaint. SHE TOLD ME IF I DID THAT THEY WOULD STRIP ME OF ALL XXXX AA POINTS I EARNED WITH THIS CARD. Then once I accused her of retaliation she told me that 8-10 weeks was 18 months. What? So there are two problems here : 1 ) they improperly handled my dispute and refused to correct it in a timely manner and in a way that did not harm me and 2 ) The rep retaliated against me for trying to close my account and filing a CFPB complaint.
Product: Credit reporting or other personal consumer reports

I am asking for your help with the wrong account showing on my credit report. This has affected my reputation, and I need your assistance to get it corrected. Your poor handling of my credit report has severely impacted me, and this incorrect reporting has destroyed my reputation. You need to remove this misinformation from my credit report.
Product: Credit reporting or other personal consumer reports

n 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  Account # 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. 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. 

Dept Ed / XXXX
Product: Credit reporting or other personal consumer reports

I submitted proof the student loans were petitioned during bankruptcy and based in the amount discharged in my bankruptcy the student loans were part of the discharge in 2013
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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: Checking or savings account

On XX/XX/19 I went to a Chase Bank branch to withdraw {$80.00} from a non-chase bank account using my XXXX XXXX debit card. After entering in my PIN number and selecting the withdrawal amount the ATM displayed an error and said to call Chase at XXXX. I called this number but they were unable to assist and referred me to my bank. Meanwhile, {$80.00} has been deducted from my checking account and my bank said it could take as many as 10 days to get it back after they dispute it. I have attached a copy of the receipt with the error message on it.
Product: Mortgage

On XX/XX/2022 I set up home insurance through XXXX XXXXXXXX XXXX XXXX. I was told over the course of several weeks that the policy was received, and it was processing, They didn't have it or I needed it sent again. My current insurance was set to expire by XX/XX/2022. This continued until XX/XX/2022 when I went to a bank branch on XXXX XXXX in XXXX VA and spoke to XXXX XXXX. I explained the problem to him and even sent an email of my insurance to him from the Agent at XXXX XXXX. He said he use to be a real estate agent and he was familiar with insurance. He called the insurance department with myself and my husband in his office. They were upset that he got involved saying he had no right to interfere. He said he was just trying to resolve the issue and they claimed I had already called them 10 times and I didn't submit the correct documents, said it was only the application and this time he told them he was looking at it and he had also forwarded it to them and the page they needed was there. They hung up on him and he had to call back several times. He said he contacted a friend and said they approved it and they had lots of problems with the insurance side. HE informed me of a payment being sent XXXX to my insurance dept. I confirmed that by the bank website. They failed to tell me that they delayed and told XXXXXXXX XXXX not to ship until the XXXX XXXX and do not delivery on Saturday. hold at location waiting to be picked up on Monday, delaying my payment and voiding my insurance by not paying in the 30 day required by their company. On XXXX XXXX I learned that the owners of XXXX XXXX XXXX XXXX  also run Truist Insurance dept. Working as a contractor under Truist Bank. They set me up for failure and refused to explain any questions I had. I spent countless hours and weeks consumed in their rabbit hole of confusion. XXXX aka XXXX XXXX were also the XXXX. Not only did they write the XXXX but XXXX other applications were made for me. With out my knowledge or signing any other electronic signature except the first one. This was done under the knowledge of truest Banks done by their subcontractors while working for and under the supervision of Truist. Even sending letters concerning insurance with the truist logo attached.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer financial protection Act ( CFPA ). Specifically, cash app failed to take a 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 finical loss and I seek appropriate redress.
Product: Mortgage

1. At XX/XX/XXXX, I submitted a refinance application to Provident Funding. 

2. At XX/XX/XXXX, the loan officer requested a list of documents, for which I had few questions. I called the officer and assistant and left a message on XX/XX/XXXX. No answer on phone. 

3. At XX/XX/XXXX, I emailed the assistant to schedule a call at XXXX XXXX. Never heard back, nor did I receive an response from email. 

4. At XX/XX/XXXX, I received an email from the assistant asking if I'm stilled interested. He mentioned they are in a very high volume period and if I'm not I should withdraw. I asked him to call me tomorrow to discuss. Again no response, phone call or email. 

6. I called couple of times again at XX/XX/XXXX, no answer. I called customer service instead to let them reach out to the assistant. 

7. At the last day of my interest lock period, XX/XX/XXXX, XXXX told me that my application was canceled because I didn't respond to their call. I looked at my contact history, and I told them that i didn't receive any phone call from the number I contact before or the number they listed on website. Then they said they can't left an VM since my VM box is not activated. This is the first time they mention that issue. 

On XX/XX/XXXX, I received an letter saying my application was canceled since I withdraw ed. That's a false representation as I never did that, which is also an illegal conduct. In fact, I think the lender is deliberately making it difficult for me to move forward and encourage me to withdraw my application. That's unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute inaccurate information that has been reported on my credit report. I recently obtained a copy of my Equifax credit report and discovered an entry that pertains to an account with XXXX XXXX. I would like to bring to your attention that this account is fraudulent and has been inaccurately reported on my credit profile. 

Upon further investigation, it has come to my attention that XXXX XXXX is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX  or any state entity, which raises concerns about the legitimacy of the reported account. Given this, I am inclined to believe that this account is the result of identity theft or some form of fraudulent activity as I have previously reported. 

I request your immediate assistance in rectifying this situation. 
It is deeply concerning to me that inaccurate information has found its way onto my credit report and was able to go unnoticed for such a period of time, potentially affecting my financial standing. I trust that Equifax and CFPB will handle this matter with the urgency and professionalism it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  ( XX/XX/2018 ), Equifax ( XX/XX/2018 ), and XXXX ( XX/XX/2018 ) of inquiries that I did not authorize. I requested verification of these inquiries. Each Reporting Agency responded by giving me the definition of inquires as if I was asking for information pertaining to it. I am seeking for proof of my authorization for these companies to report these inquiries. This is effecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 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 XXXX 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 am seeing creditor inquires that I dont recognize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank Account # : XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> my two credit cards with XXXX XXXX were used without my permission. When I arrived home from the XXXX Wedding Anniversary of close friends in XXXX Ohio I was greeted with two letters from XXXX telling me my credit cards had been closed. I immediately called XXXX and was referred to their fraud department. Their representative informed me that my two accounts were closed because of fraudulent transactions. I cooperated in every way with XXXX and filed a police report with the XXXX XXXX Florida Sheriff 's Department which was provided to XXXX. XXXX refused to cooperate in the investigation. I identified the likely criminal. XXXX refused to honor their " no liability for fraudulent transactions '' which they actively marketed for their credit cards and upon which I relied upon. After months of telephone calls and letters I gave up talking to them. XXXX made no attempt to recover the money from the fraudulent transactions. XXXX immediately sold the alleged debt to collection agencies who immediately upon receiving the police report ceased collection efforts. XXXX also canceled my insurance with them after 42 years with no accidents in nearly 30 year because of the credit report. I hired an attorney who sent letters to Experian, XXXX and XXXX with the police report and requesting they remove the incorrect information from my credit report. XXXX and XXXX removed the incorrect information. Experian has refused to remove the incorrect information and it sole investigation was to contact XXXX and ask if the debt was mine. XXXX Bank has developed a long history of defrauding its customers with false advertising and solicitations. I am requesting that XXXX expunge from my Experian Credit Report any reference to the two credit cards claiming I defaulted on the credit cards. 

Police Report is too large to upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/2017. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/2017 that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA ( Fair Credit Reporting ACT ), any items that are reported on my credit must be authorized and correct. I reviewed my credit and noticed that there were inquiries reported that were not authorized. I have contacted the creditor as well as the credit bureaus and they have not responded to my request to remove these items. I requested these items be removed on XX/XX/XXXX. I called again on XXXX/XXXX/XXXX and still have gotten no response or assistance with these items that are not mine. 

Capital One Date of the inquiry XX/XX/XXXX Capital One Date of the inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act BANKRUPTCY 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.