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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # 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.

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. 
XXXX XXXX
Product: Debt collection

Collector sent a letter to my place of employment claiming it was a subpoena asking my job to furnish private information
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cash App, as they have failed in their fiduciary duty by neglecting to address a fraudulent transaction and provide me with the necessary support and protection as a consumer. 

On XX/XX/23 I used Cash App to make an online purchase to what I believed to be a merchant at the time. The details or nature of the transaction was misrepresented and falsely advertised leading to my authorization under false pretenses. Unfortunately, I never received the ordered item, and upon investigation, I discovered that the merchant was deceptive and the website is no longer available, indicating a scam. Despite my attempts to resolve the issue, the alledged merchant refused to refund my money. 

I promptly reported this incident to Cash App, expecting their intervention as a fiduciary and their duty to protect their customers. Shockingly, Cash App not only denied my dispute but also rejected my appeal, leaving me without recourse. Despite multiple attempts to seek resolution, including phone calls requesting further assistance, no one from Cash App has shown the slightest concern or attempted to address my predicament. 

The purchase I made using my cashapp account was for {$49.00}. Although the monetary value may seem modest, the significance lies in the principle and the neglectful conduct exhibited by Cash App in handling this matter. I have been a customer of Cash App for almost 7 years and in that time frame I probably disputes 2-3 other transactions ; I additionally want to emphasize that, aside from the specific incident mentioned, Cash App has consistently demonstrated a pattern of neglect by never refunding any disputes I have raised in the past. This disregard for customer concerns is not only alarming but indicative of a systemic issue within their dispute resolution processes. 

This blatant disregard for my consumer rights and fiduciary duty has caused significant financial loss and emotional distress. The denial of rightful refund and failure to address misrepresentation or fraudulent scheme charges not only violates the fiduciary responsibility Cash App holds towards its customers but also undermines the trust consumers place in such financial platforms. 

I hereby request a thorough investigation into this matter and urge the Consumer Financial Protection Bureau to intervene on my behalf. 

Thank you for your attention to this matter, and I trust that the CFPB will act swiftly to address this egregious violation of consumer rights. 

Account # ending in XXXX Account email : XXXX Account phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?
Product: Debt collection

I have debt in my account that I have received no written communication on. On XX/XX/22, the collection agency filed a lawsuit regarding this. They still have no provided a written notice of right to dispute.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have sent requests to Navient many times to lower the interest rate to make this more affordable for me and the lender wo n't because it 's un-subsidized. I have two other loans with them that I ca n't begin repayment on because this one is too high. 

That said, whenever I have made payments over what I owe, the next payment decreases instead of them applying it to the principal to reduce the interest being paid. They have done this with each over-payment and continue to do that. The interest rate keeps increasing and there is still unpaid interest even though I have sent in hundreds over what I owe. My chief complaint is that they are misapplying funds to keep the interest as high as possible. 

XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX {$230.00}
Product: Checking or savings account

I recently deposited a cashiers check to Citizens Bank in the amount of XXXX $ from XXXX XXXX XXXX on XX/XX/XXXX. The funds was immediately placed on hold. After 3 days of this hold I called Citizens bank who stated the funds were on hold because they are waiting for verification from XXXX. I contacted the cashier check issuer who reached out to XXXX who stated they have sent the verification over to Citizens. I reached out to Citizens on XX/XX/XXXX to explain the XXXX has verified the funds, and I requested more information of why my funds were still being held. They commented we are waiting for the issuers bank to verify the funds. They also stated they will be placing the funds on an extended hold until XX/XX/XXXX to give them time to verify. I called in XX/XX/XXXX after receiving a letter in the mail that stated the funds will be on hold until XX/XX/XXXX pending verification to confirm that my funds would be released on XX/XX/XXXX. The representative placed me on hold to clarify with her supervisor that the funds would be released XX/XX/XXXX, the supervisor confirmed Citizens have resolved verification matters and my funds would be available XX/XX/XXXX. I checked today XX/XX/XXXX and my funds were still on hold. I called in to check why and they stated it will be on hold until XXXX. I have been speaking with supervisors and managers both in person and over the phone and no one can give me reasoning behind why I have still not receive my funds and why they are holding the check past federal regulations. As I mentioned prior this is a cashiers check which is basically cash value guaranteed money. Citizens still has not release the {$220.00} or {$5500.00} that is mentioned in their policy that would be released after a deposit and no one is giving me information of why my funds are still on hold. I have went in person to XXXX XXXX XXXXXXXX who has confirmed the check I have deposited is not fraudulent and states that they have sent over verification. I received this money from selling my vehicle and now XXXX cant get a hold of it. I truly hope you can help me to resolve this in a timely manner as I have emergency bills piling up as the days go on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints against the credit bureaus. 

I am unable to receive funding for my business and the patented technology is loosing income because of this situation revolving around my credit report.. the amount of debt listed is not valued as much as the projected financials of the business plan for the company. 

I demand that the credit bureaus remove the 2 negative items from my credit report and clear off all hard inquires.. 

The credit bureau did not have my consent to FURNISH the account in such manner that can hinder my financial freedom and stop all of my businesses income. 

Please show me a CONTRACT that I have signed with the credit bureaus that allows them to accept my data or credit report and use it against me to prevent financial growth or debt consolidation.?
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

We were under a repayment plan 5 months ago. Only had 2 more payments to make under the repayment plan. I called to see if I could pay the regular payment instead of the full repayment plan. The representative said they could not take that payment and suggested we do a short forbearance. We requested a forbearance period in XXXX. From XXXX til XX/XX/XXXX is the forbearance. I called today XX/XX/2021 to let them know we could continue the repayment plan XX/XX/XXXX. I was told in order to restart the repayment plan we needed to pay {$7000.00} upfront and restart the payment plan for 5months. If you requested a forbearance why do they think you would have {$7000.00} available???? Is it their way of putting the house in foreclosure??? I suggested we could probably have {$3000.00} down payment but that is not enough. Our only option is to do a modification???? 
We really don't need a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The issue is regarding PayPal and PayPal Mastercard offered through Synchrony bank. 

Paypal sent me a credit card sign up bonus offer of {$100.00} if a minimum spend of {$500.00} was made within 90 days. I applied the next day and was approved. I have spent the {$500.00} minimum requirement within 90 days but as of XX/XX/2023, neither PayPal nor Synchrony bank have credited the aforementioned {$100.00} sign up bonus despite multiple calls to customer care. 

PayPal, credit card and sign up bonus were all linked to the email address : XXXX I have attached the email received ( XX/XX/2023 ) and also the approved credit card the next day ( XX/XX/2023 ).
Product: Debt collection

XXXX I reached out via email to Vance & Huffman XXXX 
XXXX The company responded via email. 
XXXX I verified via email on who I was. 
XXXX Vance and Huffman informed me via email to We have asked that XXXX XXXX and XXXX XXXX handle your accounts. XXXX XXXX has the account XXXX, and their number is XXXX. XXXX XXXX has the XXXX account, and their number is XXXX XXXXi responded via email I understand that youve asked another company to handle my account. However, Vance & Huffman ( your company ) is on my consumer report. Therefore, Im asking you for validation. 
XXXX XXXX whom is a representative for Vance & Huffman informed me that she sent it to an inaccurate address. She attached two documents which didnt verify this debt. 
XXXX I responded via email informing her that I am requesting additional information so I can verify this debt. 
XXXX XXXX responded via email- This information was already provided to you in the mail for both accounts. XXXX XXXX and XXXX XXXX did not take over the debt, they are handling the account for our office, Vance & Huffman. The account has been placed in dispute. If you have any questions, please contact the office at XXXX XXXX I followed up again with via email. 
XXXX Via emailXXXX whom is a representative from Vance & Huffman answered a few of my questions. 
XXXX I responded via email to XXXX informing her that I would like their offices Professional License # etc : ( I want to make sure that Im not being scammed! ) XXXX XXXX responded via email The office is not required to provide that information to you. 
XXXX I informed her that she was required to give me this info ( their professional business license # ) XX/XX/24 XX/XX/24 XXXX I followed up again via email to XXXX No response. 
Multiple violations!
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. 
This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.
Product: Debt collection

A company that has recently purchased my auto loan has contacted me more than 7 times in a four hour period while I myself am at work and unable to take calls for a payment that is only three days past due
Product: Credit reporting or other personal consumer reports

This does not belong to me. It is a clear case of fraud. 
Please take appropriate action on this in accurate account
Product: Vehicle loan or lease

I HAVE PROOF THAT I PAID OFF MY CAR XXXX XXXX AND THEY ARE STILL REPORTING IT ON MY CREDIT AS WELL AS A CARD I SETTLED IN XXXX OF XXXX THIS IMPACT IS KEEPING MY CREDIT AT A STAND STILL. I HAVE MY TITLE AND CAN SHOW PROOF.
Product: Credit reporting or other personal consumer reports

CFPB Complaint In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX ( XXXX ) XXXX Account # XXXX HARD INQUIRY : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX The accounts have violated my rights under the following provisions : 15 U.S.C. 1681 ( a ) ( 4 ) : I have a right to privacy.

15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency may not furnish a consumer report without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include in a consumer report any adverse information ( other than records of convictions ) that predates the report by more than seven years.

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

I have a balance " apparently '' with Western Control Service. They 're a Debt collecting company for XXXX XXXX. This school ended up closing in 2016 for fraudulent reasonings.
I have since recently started monitoring my credit through XXXX XXXX. I see that they have this collection outstanding on me.
My first call to them was in the beginning of this year sometime to get them to validate/reduce/remove anything due to me not knowing about XXXX taking out a private loan on me, along with a federal student loan.
My last call to Western Control Service was Wednesday XX/XX/XXXX at around XXXX.
I asked them what I received for this balance and if they could provide me validation I ever signed for it.
They stated they did n't have that and could not provide it to me.
I asked how I can get this removed and the representative stated either pay it or get a lawyer.
I said well I may have to get a lawyer then, and he said okay well we can no longer talk to you about this account only your attorney. Even though I did n't get a lawyer and really do n't want to have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I called Experian to have 2 inquiries from XXXX XXXX Bank XXXX ( dates XX/XX/XXXX & XX/XX/XXXX ) in which I have never applied for credit or authorized for a credit pull. 2 Representatives stated that they can not remove those inquiries and that I would need to contact the bank to have them removed. I call XXXX on the phone number that Experian provided and spoke to XXXX. After giving her my information, she states that I do not have any credit with their bank nor did she see any credit applications. I need Experian to remove these two inquiries as soon as possible.
Product: Debt collection

I was refinancing my home loan with another bank ( XXXX XXXX  XXXX IL ) and the bank asked me about a debt collection that is showing up on my credit report. XXXX  So I called the collection company that is was listed with IC Systems Collections. I explained to them that I had never had XXXX. They had me fill out a Affidavit stating what had happened, I had to file a police report, and send them a copy of my drivers license. Which I did all that was asked and mailed them in. A few weeks ago I called them to see where things were and they said they received my information but everything was on hold. They gave me a persons name and address on the account that I've never heard of. Now I received a report today stating Investigation Results- Verified as accurate and updated. This identity theft has wrecked my credit. I want it removed from my credit report. I submitted everything that was asked of me.
Product: Debt collection

In 2012 the apartment l was renting flooded.l had to move quickly and at the time the light bill was only {$210.00}. I called to cancel service but they didnt and continued to bill me. When l realized the bill was almost {$400.00} and it went into collections.l tried to call them last month to see what they could do because the amount was wrong and they told me nothing.The lady on the phone was very rude.
Product: Checking or savings account

TD bank has blocked refunds transactions to my account. I purchased several items from XXXX. Ive noticed since XX/XX/XXXX, on certain purchases the refunds were not going back into my account. I called TD to let them know my refunds from XXXX are being blocked. I spoke to numerous representatives and I have gone through several channels of communication. The last straw was speaking to XXXX a supervisor who said she would adjust my card so refunds would go back to my card automatically. The refunds did not go back into my account. At the time I am writing this, XX/XX/XXXX. A few more of my refunds failed to appear into my account after speaking with her. The bank has failed to explain to why they blocked refund to my account and failed to give me any prior notification. This is unacceptable and unreasonable behavior from TD. I am owed more or less of XXXX XXXX+ dollars of refund than and I want the money returned to the account. Sadly, my relationship with TD will end due to their lack of professionalism.
Product: Credit card or prepaid card

I have auto pay setup for my upgrade.com credit card. For the past two months, my auto payment goes through and a day later I get an alert that i owe few dollars. The auto payment is automatically set to deduct the minimum amount due. 

A day later my account shows an outstanding balance of a few dollars. I go ahead and pay it ; The account page then shows i owe XXXX cents. This has happened for two months in a row. I called last month and could not get through. I called yesterday and sat in queue for 35 mins only to have my call dropped. I have emailed the company last month and this month. I get an auto reply stating they will review and get back to me.