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 15USC 1681. 

XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX also address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

1

5 U.S.C 1681 section 602 A. States I have a 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX this company attempted to collect a fraudulent debt. It was disputed and taken off my credit report XX/XX/23 another fraudulent debt collection was placed on my credit report. Disputed and removed XX/XX/23 a third attempt XX/XX/23 a fourth attempt and now it csnt be disputed and removed.
Product: Money transfer, virtual currency, or money service

They shut my account down for no reason and said I can not get another account ever own my phone again with my money still in account ( 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 t for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Acima Digital regarding their inaccurate and non-compliant reporting practices on my XXXX credit report. The account, formerly known as Acima Digital FKA SIMP ( Account # XXXX ), contains multiple discrepancies and inaccuracies, which Acima has failed to address or correct despite previous requests. Key issues with this account include : - Incorrect Account Status : Acima has erroneously reported this account as a 'Collection or ChargeOff ' when the account was legally settled and closed with a XXXX balance. The Creditor Remarks inaccurately state 'Account Legally Paid in Full for Less than Full Balance, ' which is not only misleading but also misrepresented under the Fair Credit Reporting Act ( FCRA ). This incorrect status fails to reflect the true status of a settled account. 

- Unverified Loan Type and Description : The Loan Type is reported as a 'Lease, ' which does not comply with XXXX XXXX standards. Acima inaccurately labels this account under an Individual Account Description, when it was actually part of a financing agreement. The lack of accurate classification questions Acimas adherence to the Consumer Data Industry Association ( CDIA ) guidelines and XXXX XXXX requirements. 

- Non-Compliance with XXXX XXXX Standards : Federal and XXXX XXXX guidelines mandate specific data fields and correct values for accurate reporting, yet Acimas report deviates from these standards. For instance : - Term Length ( 12 months ), which does not correlate with the actual term of the agreement and misrepresents the length and nature of the original contract. 

- Date of Last Activity ( XXXX ) and Date Reported ( XXXX ), both of which are inconsistent with the accounts actual status, implying ongoing delinquency when the account was closed and settled. 

- Failure to Provide Verification Documents : Acima has not provided verifiable proof that this information is correct, failing to comply with FCRA requirements per 15 U.S.C. 1681e, which requires credit reporting agencies and furnishers to follow 'reasonable procedures to assure maximum possible accuracy. ' Despite my formal requests, Acima has not furnished any documents proving the accuracy, compliance, or lawful purpose of this reporting. 

Relevant Legal Violations : This report lacks adherence to key consumer protection standards : - FCRA Violations : Acima is obligated to report accurate data under 15 U.S.C. 1681e and 12 CFR Part 1022. FCRA requires accurate, verified reporting to prevent misleading and harmful information from appearing on credit reports. Acimas report of this account shows a disregard for these standards, including failure to provide accurate, timely, and verifiable data. 

- XXXX XXXX Non-Compliance : The CRRG stipulates, 'Any Deviation from These Standards Jeopardizes the Integrity of the Data. ' Inconsistent and inaccurate data fields, such as the term length, loan type, and account description, demonstrate Acimas non-compliance with these essential standards.
Product: Student loan

I received a letter from MOHELA stating interest on my loans is accruing. However, I was told interest should be at 0 % under XXXX XXXX and the forbearance is administrative so I shouldnt be accruing interest.
Product: Credit card or prepaid card

Chase has mishandled numerous disputes filed pursuant to the Fair Credit Billing Act.
Product: Money transfer, virtual currency, or money service

ACH tax refund deposited into erroneous account on XX/XX/17 in the amount of {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

Their improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.
Product: Mortgage

{$2800.00} was incorrectly and unnecessarily collected by Title365 at closing of this refi as prepaid by loan servicer, XXXX XXXX, to be paid as property tax to XXXX County for the XX/XX/XXXX year. Section F of Closing Disclosure. 

However, after calling the XXXX County Trustee 's office it was reported that only one payment was received by previous mortgage servicer, XXXX XXXX, on XX/XX/XXXX, as all mortgage servicers probably do for this county in advance of it being due. 

This money was collected by Title365 and never used for what it was meant for. My loan is collecting interest on this for no reason. I want all of the money back with a credit for the undue interest as a check, or added into escrow to be disbursed as overpayment later.
Product: Checking or savings account

On XX/XX/2018, I called the bank and submitted a stop payment request to cancel check number XXXX in the amount of {$3500.00} from clearing through my account. The call center representative told me the check had not been deposited yet and the stop payment request would go through. However, chrck nunber XXXX in the amount of {$3500.00} was cleared through my account on XX/XX/2018. I called the bank during the XXXX est hour in XXXX XXXX to resolve and get my money back into my account, because the bank was notified to not cash the check. The banks representivies from the claims department told me there was nothing they could do and I needed to contact the person who cashed the check. My agreement to stop payment on the check was not through the payee but through my financial institution. Due to a customer service representative incompetence to submit the right request, I was not only charged a stop payment fee but the stop payment request was ineffective and now I am missing {$3500.00}. 
After multiple attempts via phone, secure message, emails, and social media, CHASE BANK has told me that they can not do anything to return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a Teletrack XXXX over the phone and said they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

HOUSE WAS SOLD. I DID NOT RECEIVE NECESSARY IRS FORMS TO BE ABLE TO FILE MY 2019 TAX RETURN FROM Key BANK 2019 1098 MORTGAGE INTEREST STATEMENT I EMAILED THEM, I SENT REGISTERED PRIORITY MAIL THEY HAD TO SIGN FOR REQUESTING THE 1098 IRS FORM TO FILE MY TAXES. THEY DON'T RESPOND. I HAD TO FILE FOR INCOME TAX EXTENSION AS THIS AMOUNT I PAID THIS BANK IS {$130000.00} interest, taxes and payments 2019. THIS IS THE FIRST MORTGAGE AND THE LIEN HAS BEEN RELEASED BY THE BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted equifax to dispute incorrect information. Dispute was updated information but failed to update credit report. Contact equifax about credit report and score not correctly updating and they opened a complaint. No changes have been done no score or report updated. Score is listed as poor yet all other credit reports are updated with proper scores and information. My score hasn't change in almost 6 months and they can't explain to me why. I have no derogatory marks no late payments nothing and yet they can't update the information or explain anything to me.
Product: Checking or savings account

US Bank closed my account 2 months ago. Had to do with a bad check and it was never deposited. I just want the remaining funds in my account which after two months they haven't released. They said they are concerned about {$3200.00} XXXX cashier 's checks ( about {$2400.00} currently in US Dollars ) and said it could be recalled up to a year. My response was fine, so release the rest of the funds. They won't so I'm filing a complaint. 

My name on the account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

XXXX XXXX I attempted to enter an income based loan rehabilitation program. I was told by the representative over the phone that I needed to submit a Financial Income Statement form, send proof of income, as well as a copy of the signed loan rehabilitation agreement. I completed the forms and submitted them via email and a payment was collected from me in the amount of {$5.00}. From XXXX XXXX - XXXX XXXX I made monthly payments in the amount of {$5.00}. I missed my XXXX payment and because of that in XXXX XXXX I made two payments. I was told that as part of the agreement after I completed the 10 payments my loans would be taken out of deferral. I made my payment in XXXX and due to my own fault I lost contact with the company. In XXXX of XXXX I made contact with the company with hopes of continuing or restarting the rehabilitation program. I was told that because I had never submitted a signed agreement that I was never actually enrolled in the program. So i was " voluntarily '' making payments. I would never volunteer money ( no matter how small the amount ) if it was going to count for nothing. The representative I spoke with tried to explain that in XXXX XXXX they sent me a letter saying they never received the document, but from XXXX - XXXX during our monthly phone calls my designated point of contact never mentioned that I was missing this documents. He gladly just took my {$5.00} payment. There clearly was gross negligence on Reliant Capital 's part for not making me aware that they were missing any information. And pure ignorance on my behalf because I should have followed up. Moving forward I want to correct the issue.
Product: Checking or savings account

XX/XX/year>, XXXX XXXX XXXX M & T BANK REPEATED BANK DEREGULATIONS AND MISSING TIMELY PENSION MONEY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Systemic banking misconduct Electronic Fund Transfer Act violations ( 15 U.S.C. 1693 et seq. ) Disability-based financial discrimination Criminal conspiracy or fraud involving public institutions or regulated banks Please find attached a formal complaint to the Consumer Financial Protection Bureau regarding M & T Banks violations of the Electronic Fund Transfer Act, FTC regulations XXXX and deceptive business practices. This is a matter involving banking discrimination, disability rights violations, and financial servitude and trafficking. The matter is urgent, and I request acknowledgment of receipt and assurance of investigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
MT BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently within 24 hours stating the account is accurate, without reporting any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB. take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I had XXXX XXXX investigated through Equifax credit reporting agency. After a 30 day investigation XXXX XXXX was deleted from my Equifax credit bureau report. I just checked my XXXX credit report today and Equifax is reporting XXXX XXXX on my Credit Bureau report again. 

New Accounts Reported Since your last update on XXXX XXXX, XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported XXXX XXXX XXXX XXXX XXXX, XXXX {$25000.00} $ 28,684EquifaxXXXX/XXXX XXXXCredit CardXXXX XXXX, XXXX $ XXXXEquifax
Product: Credit reporting or other personal consumer reports

I requested the release of all records when Discover lied about not having a contract to pay off the amount I owed. They screamed and yelled and threatened on the phone. I said why would I struggle to pay you {$50.00} a month if I did not have a repayment plan Do you think I am that XXXX.? well obviously they do because here we are 2 years later in another state and the XXXX XXXX. Think I accept whatever they send me. No I don't. They sent papers copied in envelopes that were not secured. XXXX was open in the mailbox. They can still lie on paper. They have and still do. Release the audio boyz. They won't because it shows I am telling the truth. Why more money to persecute me? They have spent more than {$1000.00} to get not XXXX but a XXXX judgement for XXXX that I owe. They are XXXX.So are their lawyers. XXXX XXXX XXXX XXXX. I still have to provide shelter, food, heat, water, electricity. There is nothing left. May they go bankrupt with out any bailouts and they lose it all. They have done this to others it is persecution of the poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XXXX XXXX I received an Email from National Recovery Agency. They said I owed a debt to XXXX. 
I disputed the debt immediately in writing via email per their instruction and called them. I was suspicious also of receiving this via email due to scams. 
After confirming my identity the woman gave me information about this bill, and It was located at an address I've never lived at. I continued to dispute it and said there must be a mistake. 
She asked me for my address and I said, please submit this via the emails you've been sending me or the account portal you set up. The woman-XXXX  became belligerent and yelling at me. She was threatening me! She said just because you don't give me your address isn't going to get you out of paying this! and she hung up on me. 
On XX/XX/XXXX, I was notified that this has been place on my credit report on XX/XX/XXXX. Also it says it is the original creditor from XX/XX/XXXX, and that Acct information disputed by consumer, meets FCRA requirements. 
This is NOT true! I don't even know what this is. They are not the original creditor or date. They did not give me the details about the original creditor who they said in an email is XXXX from an address at XXXX XXXX XXXX ( which I've never lived at or even on that road ) To top this off, I had an active XXXX  XXXX bankruptcy case from XXXX and I told the woman this. She refused to hear it. She screamed at me " you owe this and you're gon na pay it ''. 
I called them back again when I saw it reported on my credit report. The woman XXXX again was threatening! I confirmed who I was- all the while being screamed at! She said the debt was from address XXXX XXXX XXXX. I said OH! I did live there, but that's not possible because XXXX is XXXX XXXX and I didn't have XXXX, I had XXXX  XXXX and I don't live there anymore. That was during the bankruptcy. She then SCREAMED at me again and said your gon na pay this bill whether you give me your address or not. I said again, send me the BILL that I'm disputing I owe and ... she hung up on me. 
I've attached a copy of the original email sent to me, showing the communication venue and portal information they set up for me. 
This company is bullying me, has not sent me the bill they claim is mine, and refuse to abide by the FCRA law. They ruined my credit for a bill that must be a mistake or something. Why they wont email it to me as they've been communicating to me makes me suspicious. I want my rights protected please.