23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My credit report in showing a missed payment causing me to have a deliquent payment of XXXX days on my credit report. The monthly payment changed and I was not made aware of the change being I would pay my note automatically monthly from my account. When the notice was issued, I was able to make up the difference and it was still reported as a missed payment.
Product: Credit card

XXXX XXXX XXXX : Connected to XXXX XXXX XXXX XXXX : Your reference number for this chat session is XXXX XXXX XXXX Customer XXXX : Initial Question/Comment : Sears gave me a temporary store card pass in XXXX to use while waiting for my card in the mail. I went to shop and this cashier run my credit XXXX more times without my consent when I specifically told her No that I 'm using my store pass. 
XXXX XXXX XXXX : Thank you for contacting the Federal Trade Commission 's Complaint Assistant Technical Support Desk. 
XXXX XXXX XXXX XXXX : Your chat conversation may be monitored for quality assurance purposes. 
XXXX XXXX : Connected with XXXX XXXX XXXX Agent XXXX : Good morning XXXX. I 'm sorry to hear about that happening. How can I help you today? Do you need assistance to file a report online on the FTC complaint assistant page? 
XXXX XXXX Customer XXXX : I guess so. Because it 's not fair when someone is trying to build up a good credit and for someone else to purposely messing it up. 
XXXX XXXX XXXX XXXX : I understand. You can choose report that on our complaint assistant by choosing the category " XXXX and XXXX '' and the subcategory " Credit and Loans : Credit cards, credit reporting, mortgages, pay day loans or other loan services ''. You can report the company and can type a summary of what happened in your own words. 
XXXX XXXX Agent XXXX : You can also contact the CFPB at XXXX. They are the government office that regulates how/when companies are allowed to get access to your credit and can file a report and give additional information on that topic. 
XXXX XXXX Customer XXXX : Credit Bureau needs to be aware of scams like this and help customers like me to keep a good credit. What would be the purpose for me to apply for credit XXXX x within a month in the same store when I am already granting a credit. 
And when I am well aware that every time someone run a credit check on someone else, their XXXX score, I think goes down. Why would I do that to myself if I want to build up a good credit? Okay, I am going to call the CFPB. Think you XXXX for the chat. 
XXXX XXXX Agent XXXX : You 're welcome. And thank you for contacting the Federal Trade Commission. Have a good Day. 
XXXX XXXX Customer XXXX : You too and XXXX bless you. 
Please help me because I do n't want my score to get affected
Product: Credit reporting or other personal consumer reports

I tried to fix this issue for several times and send my first dispute letter last XX/XX/XXXX but I never received any response from the 3 credit bureaus. I demand to delete this negative accounts and inaccurate inquiries listed below. I also attached my ID and copy of my current address to proof that I'm the one who send out my dispute letter not a 3rd party. Also I attach my dispute letters and FTC Report for proof. Thank you Please delete this items now! 

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

XXXX XXXX XXXX purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. XXXX XXXX XXXX XXXX tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of Gamache and Myers ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( XXXX ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own XXXX or XXXX XXXX any money as I have not signed any paperwork with them or purchased any goods or services from them.
Product: Mortgage

I was granted {$20000.00} from the HAF grant program to keep our home from going into foreclosure. They agreed to receive the HAF funds when they went through the onboarding process, held on to the money for over 2 months, never applied the funds, then rejected the funds & returned them. They stated because I have arrearage in bankruptcy & the {$20000.00} would not settle that amount, they would reject it because they have no way secure the balance. I stated multiple time to them that the bankruptcy balance is secured, my trustee makes those payments & the {$20000.00} was to go to post petition arrearage not the bankruptcy. I have been working with the AHEAD program & they have been unable to get a straight answer as well. 
They received the {$20000.00} grant money on XX/XX/XXXX & returned the funds on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of 2020. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of 2021. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XXXX 2022 when this account was paid off and closed XX/XX/XXXX2021.
Product: Credit card

I have a Citibank strata premier credit card. I accepted a balance transfer offer where I paid a 5 % fee to transfer a balance at XXXX interest. Subsequently I used the card in other transactions when I received my statement I was charged interest on the subsequent transactions. When I spoke to the Citibank, they told me there is no way to pay off those subsequent transactions and I would be charged 29 % interest on them until the entire balance transfer is paid off. When I complained, I was told its in the terms and conditions. I saw the XXXX interest offer. I saw the fee charged, but this clause about interest mustve been buried somewhere. So, I have no recourse with Citibank. In my mind, they tricked me into paying high interest with a XXXX interest offer.
Product: Checking or savings account

Capital One is not being transparent about their technical issues. Countless people who live paycheck to paycheck are affected from whatever this company has going on and they are not giving anyone an ETA or next steps. I noticed my direct deposit was not posted early as usual Thursday morning upon waking up. I figured it was due to my job because I submitted my timesheet a little late. Then Friday XX/XX/XXXX I still have not received my direct deposit and I have bills due over the weekend, some of which are to Capital One themselves. 
The only communication I've gotten has been an email from yesterday, XX/XX/XXXX, stating that everything will be solved by Friday XX/XX/XXXX morning. It has not been solved, and we are entering a three day weekend. Capital one is playing with its consumers ' money and it is unacceptable.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Debt collection

In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Mediation Recovery Center. I have tried over the years to explain to MRC through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. MRC does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe MRC money. Also they have threatened further legal action even jail. Enough is enough I want something done.
Product: Credit card

This account is invalid. SYNCB/PPC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/PPC XXXX
Product: Consumer Loan

I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX XXXX, XXXX, XXXX and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Details of the Issue : XXXX XXXX XXXX is reporting two fraudulent collection accounts on my credit file : 1. Account Number XXXX : {$870.00} XXXX. Account Number XXXX : {$920.00} I have never had any contractual or financial dealings with XXXX XXXX XXXX and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both XXXX XXXX XXXX and XXXX and the other two credit reporting agencies.. Despite my disputes : XXXX and Equifax claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. XXXX XXXX XXXX has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. Specific Violations : XXXX. XXXX, XXXX and Equifax Failed to disclose the method of verification for the disputed accounts. Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. XXXX. XXXX XXXX XXXX : Failed to provide validation of the debt, including proof of the original agreement with my signature. Continues to report these debts without verification, violating the FDCPA and FCRA. If no verification is provided, the accounts must be permanently deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXXXXXX
Product: Credit card

I received a letter from the American Express that one of my card is being converted to dissimilar card forcefully. I contacted regular customer service, but they were no help. I contacted American Express Executive Office by phone at XXXX. I was told to submit my concern either by Fax or e-mail at XXXX, which I did by e-mail on XX/XX/2016. Since I have not received any acknowledgement from the American Express, so I called the XXXX again. The lady told me that she could n't help because she did not have any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Product: Debt collection

I paid the debt in full over a week ago to Rash Curtis and they still continue to bombard my cell phone with calls from all over the U.S. They have not cleared the XXXX credit bureaus either
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past 7 years old.
Product: Debt collection

On XX/XX/XXXX, I disputed the validity of 3 accounts being reported to my credit by this company. ( acct # XXXX, acct # XXXX, and acct # XXXX ) I requested validation in writing. This company never responded. I have never received a collection notice from this company advising my rights to dispute. After my 2nd credit report dispute and written letter sent in XX/XX/XXXX demanding them to cease collection efforts and remove their tradeline from my credit due to FCRA violation, they finally responded advising the following : " My company believes the law in question only applies " if the consumer notifies the debt collector in writing within the thirty-day period '' of when the debt collector sends notice of the right to request validation '' The information they sent me was not complete and I feel that I should not have to continue back and forth with them as it has already been 7 months and they have had ample time to respond and provide complete proof of the debt as I had originally requested. I did my due diligence and they did not. 

If they NEVER sent me a letter advising of my right to dispute, how could I be aware? 
I was first notified of this debt when I took the initiative to pull my credit in XX/XX/XXXX. I immediately contacted them and requested validation and gave them 30 days to respond. They failed to respond. I believe this account has frivolous charges on it that I never agreed to and I also do not agree with the services that they claim they are billing me for. They have not provided me with a signed document that states I ever agreed to the fees they claim I owe. 

Their response to me is not a true statement per the FCRA. The law states if they do not validate the debt when requested and within a reasonable time frame, they must remove their tradeline. The FDCPA states if they can not validate the debt then they must stop collection activity and close the account. This company 's opinion of the law doesn't excuse them for not complying with FCRA and FDCPA requirements. I gave them a fair amount of time to respond and they did not bother to respond until 7 months later after another written letter was sent to them threatening further action if they do not remove this from my credit and stop collection activity. I will also be filing a XXXX and attorney general complaint against this company as well as seek legal action for failure to follow the law.
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 Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I obtained an XXXX Credit Card. Due to advertising on the XXXX website, I was under the belief that there would be no interest charged when purchasing an XXXX product from the XXXX website. 

Despite this, I was charged the following interest charges on an XXXX XXXX XXXX XXXX : - {$24.00} ( XX/XX/year> ) - {$28.00} ( XX/XX/year> ) - {$23.00} ( XX/XX/year> )
Product: Mortgage

To : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against PHH Mortgage Services for Violations of Federal and California Laws Dear CFPB, I, XXXX XXXX, hereby submit this formal complaint against PHH Mortgage Services for their egregious mishandling of my mortgage assistance application and their failure to comply with applicable federal and California laws. 

PHH Mortgage Services has made false and misleading statements regarding their receipt of my mortgage assistance application, which included all requisite documentation as mandated under both the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., and the California Homeowner Bill of Rights ( XXXX. XXXX. XXXX XXXX XXXX XXXX. ). Their actions constitute a clear violation of these statutes, which are designed to protect consumers from predatory and deceptive practices in the mortgage industry. 

To substantiate my claims, I provided PHH Mortgage Services with unequivocal evidence, including written confirmation of receipt of my application and supporting documents. Despite my diligent efforts to ensure that all materials were submitted correctly, I have received no response from PHH Mortgage Services to my correspondence, thus demonstrating their continued neglect and disregard for legal obligations. 

PHH Mortgage Services ' consistent failure to acknowledge and process my application represents a blatant attempt to facilitate an unlawful foreclosure on my home. This pattern of behavior is not isolated, as PHH Mortgage Services has faced litigation for similar violations in the past. Notably, they have been sued for failing to adhere to RESPA regulations, which underscores the systemic issues within their operations. 

I request that the CFPB conduct a thorough investigation into PHH Mortgage Services ' practices, as their actions violate not only federal law but also California state law, specifically the California Homeowner Bill of Rights. I urge you to take appropriate enforcement actions to hold PHH Mortgage Services accountable for their misconduct and to ensure that they are compelled to comply with the law moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and the initiation of an investigation into these serious allegations. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX is reporting to Equifax and XXXX a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but Equifax and XXXX continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted Equifax and XXXX. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.
Product: Debt collection

An unauthorized collection entry appears on my credit file without prior notification. I dispute this debt and demand immediate validation under the Fair Debt Collection Practices Act ( FDCPA ).