23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX , I am writing in regards to the above-reterenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a copy of my credit report on XX/XX/XXXX from XXXX. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving account vulnerable and unprotected. Furthermore their dispute 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. 
We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems. 
The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. 
Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. 
XXXX XXXX XXXX was non responsive to any attempts at communication. 
XXXX XXXX  XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.
Product: Credit card or prepaid card

I have a Frontier credit card through Barclay Card. When I applied for the card online it was indicated that there would be no annual fee for the first year. I saw that I was charged for a {$79.00} fee. 

I called the first time after originally seeing the charge and they said it would be refunded after I met the intro offer which also came with XXXX bonus miles. 

I called a second time after it had not been refunded and they informed me that the fee would be returned at the end of the calendar year. I thought about this and decided that this was not the original agreement and I didn't think it was fair to charge me and keep the funds for 1 year before returning the fee. 

Today I called a 3rd time and they told me that this had been escalated and that I was not eligible for the annual fee to be waived for the first year. I informed them that I would escalated this complaint through an outside agency as I did not agree with this and opened the card with the understanding that I would not be charged an annual fee the first year.
Product: Mortgage

On XX/XX/2021, I contacted PennyMac ( my mortgage servicer ) to inquire about when my private mortgage insurance ( PMI ) would be AUTOMATICALLY cancelled. I was routed to a Senior Mortgage Specialist who asserted that my PMI would NEVER be automatically cancelled, no matter how long I waited or how many payments I made. If this is true, then PennyMac is in violation of the Homeowners Protection Act. 

During the call, I located my original mortgage paperwork, which specified that the automatic termination date is XX/XX/2021, when my principal balance was originally scheduled to reach 78 % of the property value ( it's actually already reached this threshold, but I understand that doesn't trigger PMI cancellation ). If what the PennyMac representative asserted is true, this also means that they are engaging in unfair and deceptive practices by not honoring the terms of the loan I signed up for. 

The PennyMac representative was extremely rude and condescending. She kept reiterating that I needed to pay for a brokers ' price opinion ( BPO ) to verify the value of my home, which is only true if I want to request cancellation of my PMI BEFORE the scheduled date of automatic cancellation. Despite my attempts to explain to her that I was not asking about cancelling my PMI now or requesting early termination, I only wanted to validate the date of automatic cancellation, she insisted that I was not eligible for automatic cancellation at any point over the life of the loan. She said that " every loan is different, '' and some loans are eligible for automatic termination while others are not. This is generally false, as only a small percentage of loans are not eligible for automatic PMI termination ( FHA loans, those at a high risk of default ) and, when that applies, it is disclosed UP FRONT when the buyer is signing the mortgage. 

The PennyMac representative declined my multiple requests to speak to someone else at the company, because she said they would tell me the same thing as her. Additionally, when I explained that I had spoken with PennyMac representatives several times in the past about automatic termination of PMI, she asserted that this was untrue. I told her that, based on the interaction with her, I plan to refinance and take my business elsewhere. Her response was that PennyMac would probably just " buy your loan back and you'd be back with us anyway. '' These threats and accusations of lying amount to abusive acts on behalf of PennyMac. This representative 's treatment of a customer in good standing is absolutely appalling and unacceptable.
Product: Debt collection

XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and ncb collection deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my mortgage dispute with XXXX a year or so ago and as part of the agreement which I will include with XXXX was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from XXXX should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! Equifax 's system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.
Product: Debt collection

I contacted Truebill through there online chat box and spoke with concerning being charged for Truebill premium. They said I must provide XXXX email to be refunded which I did. I got a refund through XXXX and then was charged another amount in the amount of {$74.00} in which I never approved of. Little charges from my bank keep coming up in which Im not approving of. I need this company to stop with the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, two months ago, I sent a letter to Equifax and XXXX XXXX XXXX, asking for validation and verification of a debt that was reported on my Equifax credit report. Equifax has been very good, for the most part, at investigating my fraudulent accounts, and in fact, they have removed around 8-10 negative credit items leaving me with three remaining. One of these is from XXXX XXXX XXXX ( also sometimes called XXXX XXXX XXXX ). In all this time, I have yet to receive any information at all about this debt from the Creditor, and yet, despite my disputing this item and giving reasons why on every credit report I have ever received from Equifax, the item remains on my account. In addition, I find it curious that with only three negative items on my report, my credit score is still in the " Poor '' range. This month, I was forced to sign up for an independent 3-bureau monthly credit reporting service and learned the truth ; that this XXXX/XXXX account has been reported as a charge-off 46 times!!!! As far as I know, you can only charge off an account once! I am infuriated and plan to also file a complaint with the FTC as well as sue Equifax in federal court. No wonder why my score is so low!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and XXXX Laws Dear XXXX XXXXXXXX XXXX XXXX, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX XXXX XXXX under Sections 392.301 and 392.305, as well as XXXX Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that XXXX XXXX XXXX XXXX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section 392.301 of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practicesXXXX XXXX XXXXXXXX Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for XXXX XXXXXXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that XXXX XXXX XXXX XXXX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the XXXX XXXX XXXX ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX  Penal Code Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring XXXX XXXX XXXX XXXX into compliance with both federal and XXXX state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that XXXX XXXX XXXX XXXX will swiftly correct these violations and respect my rights under the law.
Product: Checking or savings account

My job involves buying and selling high-end brands, and I work with many people. Recently, I was asked to send money to a phone number provided to me. I sent a total of {$6000.00} across four transactions {$1000.00}, {$2000.00}, and another {$2000.00}. However, I havent received anything in return, and its been over a month. I started a dispute with Bank of America, but my dispute was denied. Now, I dont know what to do next. 
On the other hand, I called the number I sent the money to, and they said they dont even know me. They mentioned that they handle transactions with other people but claimed they cant refund my money. I explained to them that this is the money I sent to them, and if they dont know me, how could they accept it without doing anything in return? Despite this, they still refused to refund my money.
Product: Credit reporting or other personal consumer reports

Experian is reporting these XXXX addresses. It was a rented aircraft hangar where I kept my airplane. They removed XXXX of the XXXX, but continue to report these XXXX. 


XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want them to remove these XXXX.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX, I discovered a bee charge of {$10000.00} on my AMEX card. 

This amount is the same than my balance due on XX/XX/XXXX. 

I double check my bank statements for XXXX. I confirmed to them that I paid this amount on XXXX. So there is no reason to make me pay twice my balance. 

I contacted them regarding this situation and they told me that it wasnt a charge but de misposted payment adjustment. They told me it was inadvertently made on my account. So they recognize that they made a mistake but they dont want to resolve it. What kind of customer service can justify that from nowhere you see your balance getting increase by XXXX without any explanations The problem is that right now is in my balance due for the month of XXXX ( XX/XX/XXXX ). 

So I dont understand why I have to pay twice for something that I sent them a proof that I paid already. 

I attached my bank statement where you can see that I have a proof that I made the payement on XXXX. 

The dispute case : XXXX.
Product: Credit reporting or other personal consumer reports

I do not know the company XXXX XXXX XXXX nor does LVNV FUNDING LLC compete.
Product: Credit card

I closed my Chase credit card account on XXXX XXXX, XXXX to opt out of further rate increases. At that time the interest rate was 7.99 %. In XXXX XXXX the rate increased to 8.24 % ( I do n't know why ) and increased again this XXXX XXXX, XXXX, to 8.49 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Certified Mail Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Massachusetts XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
Experian previously removed the accounts from my credit file, but I recently discovered this debt is back on my Experian credit report. Experian reports the account as in collection with a past due balance of {$500.00} as of XX/XX/2022. This isnt right and the loan should be deleted from my file like it was several months ago. 
Enclosed is a copy of the page ( s ) from my credit file that have the disputed debt. 
Please let me know if you have any questions. 
Sincerely, XXXX 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: Debt collection

I had XXXX XXXX phones with XXXX for almost 2 years. I did not sign a contract. I paid month to month for service on all XXXX phones. On XXXX XXXX, 2016, I called XXXX and told them I was cancelling service and we were switching to XXXX because I was going to go on my daughters ' XXXXphone plan with new XXXX iphones. We were n't even using the XXXX phones anymore and my daughter 's old phone numbers we had with XXXX were even transferred to the new XXXX iPhones. 

Service with XXXX was discontinued at the transfer. The XXXX phone was n't even working anymore. XXXX has continued to bill me for service when we were on a month to month contract. And now they have sent this bill to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX XXXX XXXX  and XXXX  asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian, XXXX, XXXX by XXXX Mail on XX/XX/2022 that I disputed the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX acct Acct XXXX XXXX XXXX and # XXXX And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX. 
Acct # XXXX XX/XX/2022 XXXX sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) XXXX The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX5 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I never supplied written instructions to furnish Report to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX