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

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the reporting of the information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 antedat
es 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: Mortgage

We refinanced a mortgate with First National Bank of Pennsylvania ( FNB ). We closed on XX/XX/21 and were to receive a check for $ XXXX from the transaction. By the end of closing, funds still had not been provided by FNB and so we left empty-handed. We were told it would be resolved this morning. Still not resolved, still have not received the money.
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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finish XXXX, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

MADE A PURCHASE OF JEWELRY IN XXXX ALASKA IN XX/XX/2018 XXXX XXXX. WE WERE GIVEN A VERBAL AUTHORIZATION TO RETURN THE WITHIN 2 MONTHS WITH NO QUESTIONS ASKED FOR FULL REFUND. AFTER A MONTH WHILE TRYING TO RETURN THIS ITEM, IT WAS THEN STATED TO ME THAT THE AMOUNT WOULD BE ONLY OFFERED IN A STORE CREDIT. THIS WAS A LARGE AMOUNT, AND I WOULD NEVER USE IT ANYWAY. I DON'T KNOW HOW I QUALIFIED FOR THEIR STORE CREDIT CARD AND THE LIMIT. IT IS RIDICULOUS! BEEN THROUGH COMPLAINTS WITH THE XXXX AND THE AG OF THE STATE OF ALASKA, AND ALSO WITH COMMENITY BANK. NOTHING HAS BEEN AUTHORIZED FOR A RETURN FOR REFUND. WE WERE ON A CRUISE, WITH TIME CONSTRAINTS AT THE PORT. WE DIDN'T HAVE TIME TO READ OVER THE WHOLE CONTRACT OF PURCHASE DUE TO LEAVING SO QUICKLY. THE SALES MANAGER PRACTICALLY FORCED US TO TAKE THE ITEM. I HAVE CONVERSED WITH HIM, AND HE NOW HAS NO RECOLLECTION OF WHAT HE TOLD US, ONLY WHAT THE STORE POLICY IS. NEED ANY TYPE OF HELP. I JUST WANT TO RETURN THIS ITEM. THE BANK HAS ALREADY THREATENED ME THAT IT HAS CLOSED MY ACCOUNT, AND WILL BE SENDING THIS TO COLLECTION.
Product: Debt collection

Calvary SPV has been garnishing my bank account every 2 wks since XXXX. That debt defaulted in XXXX, a judgement was dated XXXX. The judge ordered a dismissal on that case in XXXX, but they continue to this day taking withholdings from my bank account in the amount of {$21.00} every two weeks. XXXXXXXX XXXX XXXXXXXX XXXX XXXX  hired them to collect, but then XXXXXXXX XXXX XXXXXXXX sent me a copy of the Order of Dismissal that they sent to the judge for signature. Cavalry intends to continue taking withholdings until the year XXXX as shown to me by a female Customer Accounts official at XXXXXXXX XXXX 

I called Cavalry to inquire about the garnishment in light of the dismissal order, and the agency tried to resurrect the debt, by sending me a debt validation letter. The letter said since I asked for validation they have a right to start collection efforts. I DID NOT ask for validation, I made inquiry as to why the garnishment was there. This was in XXXX. I sent the dismissal to the courts, to XXXXXXXX XXXX XXXX, and to Cavalry, but nobody responded. I've called all 3 places and XXXXXXXX XXXX, and I can't get anybody to give me straight answers. Both XXXX XXXX XXXXXXXX XXXX Cavalry denies garnishing my account at this time but the court clerk and XXXX  acknowledge the Garnishment. When I asked the clerk who is garnishing my wages she said XXXXXXXX XXXX XXXXXXXX and Cavalry SPV. 

There are two cases, but one has been paid in full to XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX MO.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.
Product: Consumer Loan

In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending.
Product: Credit card or prepaid card

On XX/XX/2021 I received an email advising that I was preapproved for a Land 's End credit card. On XX/XX/2021, I reviewed the email and saw there was a promotion for 50 % off your entire first purchase using the card. Seeing as I was purchasing school uniforms I thought this would be a nice cost savings. After submitting the application and receiving the approval, I clicked the link to make my purchase using the temporary card number and 50 % off promotion. There was an error on the page and I was no longer able to get back to the link. I contacted customer service via chat and was advised that I could use any of my credit cards and they would honor the 50 % off promotion on anything except school uniforms. I double checked before agreeing to the terms of the credit card that the 50 % promotion could be used on any item. The following is the verbiage used to describe the promotion on their website " Receive 50 % off your first Lands End credit card purchase at landsend.com at time of account opening ( even sale priced and clearance items ). Offer can not be combined with other promotions. '' When I advised the associate of this in the chat she sent me the following " Subject to credit approval. Valid one time only. Can not be combined with other offers. Excludes monogramming, gift boxing, gift cards, shipping, taxes, duties, Lands End Business Outfitters purchases, international shipments, and excluded items as marked. Discount will be applied at checkout. This offer has no cash value. Promotional savings may be deducted from returns. Not valid on previous purchases. Must make a purchase in the previous 12 months to receive the offer. Must have valid email address and U.S. mailing address. Accounts that opened during your birthday month will receive the offer the following calendar year. Account must not be in default. ". I responded by advising what she sent me does not reference the school uniforms and she told me " that it is listed on the webpage where uniforms can be purchased next to the 'color ' option. '' Seeing as this was going nowhere I thanked her for time and advised I would be sending a consumer complaint. A consumer should not have to hunt around exclusions, I feel that this promotion is deceptive and misleading to consumers.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a at Americash on XX/XX/XXXX {$600.00} to be exact. I made my first payment and they applied a {$25.00} payment on my account just because I placed a stop payment on my account. A customer can do what they want to, they didn't know if I was changing my bank account to another or anything. All because i initiated a stop ACH payment. I missed a payment in XXXX because I had an emergency come up with owing back taxes. So they had placed a payment of {$280.00} note that was 2 payments. I called and they said they charge fees daily, however I kept paying my monthly payments. I am reading where I made a complaint to CFPB and i see the lies of what they tell them versus what they have told me. I called spoke to a Rep and she says when you late we charge a {$100.00} a week fee. Who does this. This is when I started to investigate on my own and read numerous of reviews and complaints about their services and the outrageous fees they charge and customers see no way out but to file BK or make various complaints. Reading the results sent back from CFPB after filing a complaint telling them a Rep called and said after you make your final payment in XX/XX/XXXX you will be charged another {$1000.00}, because you still accruing interest on your late charge. When I called spoke to another Rep she indicated " oh you good. '' " I don't know why she called you. '' I didn't go for that shady XXXX. I made the complaint. They told CFPB my last payment would be in XXXX which indicated that until XX/XX/XXXX. I received a text message that says important information about your loan. After logging in I was furious they got me owing another {$130.00} until XX/XX/XXXX. I called another Rep says yes the interest accrues daily on your past due balance which is now {$150.00} you until XXXX then you will accrue interest again making it another 6 months of payment. making it a total of {$2300.00} on a {$600.00} dollar loan. Man I CAN'T no way. Im XXXX with XXXX XXXX galloping to the point I'm missing work due to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Which I know they don't care. I did inform the Rep that in the State of NC you are prohibited to charge that kind of interest rate. He stated well you cross the state line didn't you. " oh but you know it all, and he said have a good day and hung up. I sent this report to the Attorney General, Rip off and sending it to ACTION 9 because they think CFPB is a joke just like the XXXX is. Read the reviews where customers made complaints and XXXX does not enforce these longsharks.
Product: Credit reporting or other personal consumer reports

Consumer reports list a hard inquiry for Barclays Bank Delaware dated XX/XX/. No disclosures were provided to inform of this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Macy 's Credit Card they are showing late payments during XXXX  I moved hadn't gotten bills and asked the to remove the negative and they haven't it's XXXX negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Product: Credit reporting or other personal consumer reports

These companies have inquiries on my report that I did not authorize. This is fraud. I want them removed.
Product: Credit reporting or other personal consumer reports

I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on two months. I have sent them letters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed being that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 611 ( 5 ) ( a ) of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Student loan

The original loan amount is for {$1000.00} with XXXX. On XX/XX/19 I initiated communication with the organization to correct the reporting on the NSLD. Since this time I have contact them via email or telephone on every other business day to secure the correct information and documents to provide to my college. Each time I call there is a different response, a letter was submitted requiring 9 months of payments before they would correct any reporting. The proceeding response from the organization is they are sending the information to the account specialist for a response. This organization does monitor each call and documents my communication, this information can be retrieved supporting my communication, request and lack of responses. The information on my loan message documentation is in correct I have made more calls since XX/XX/19. 
These efforts to delay has created additional emotional stress and financial stress to my education process. The person whom is responsible or the Supervisor has not address this ongoing problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection put on my Transunion report by XXXX XXXX XXXX XXXX on XX/XX/2021. This collection account is not mine, I have never had an account with the original creditor or even heard of them. The original creditor isn't on my credit report at all, no inquires no account nothing because it never existed in the first place. I have disputed it multiple times by certified mail and online only to receive a letter or email saying its verified. I recently sent a FAIR CREDIT REPORTING ACT 609 debt validation letter to Transunion requesting to see how they verify and the original contract I signed and the original balance I owed and the original account number. I got a letter back saying they don't understand my request. I want this taken off my report before legal action is taken. This has taken away my ability to refinance my house and car.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$380.00} XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX CT XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a notification from Experian that XXXX XXXX XXXX made a hard inquiry on my credit report. I Did not apply for credit, I did not authorize this inquiry nor do I have any reason for any company to be accessing my report. After some research online to try to find out who this company is, it seems they are a scam company and no proof found anywhere that a real company by this name exists. Attempted to call # listed on inquiry and doesnt work. XXXX  address and no business there. There are multiple reports online and at the XXXX where other people state they have had the same thing happen to them and have received calls trying to obtain information and money from them. I contacted Experian to have it removed and they refused but did add a fraud alert and froze my credit. Oddly/coincidentally, this same day I received about 6 calls for a person whom I do not know and is not me.
Product: Credit reporting or other personal consumer reports

Remove and delete these unauthorized inquires immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Account- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update zero balances on accounts that have no balance since XX/XX/2021 I want them held accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out on XX/XX/2022 and XX/XX/2022 to the three bureaus XXXX XXXX, experian and XXXX. still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Experian 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX AM Account Number : XXXX Please remove it from my credit report. 





XXXX 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This was my follow up regarding the items flagged with an FTC report that have not been removed from my credit file. Again, should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit file XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX -- -- -- -- XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated four business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$3000.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$3000.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation