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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX  an XXXX XXXX ) Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
Product: Debt collection

The " receivables investor '' Brightwater Capital LLC has  neglected to send me a debt validation letter. Phone calls to their provided number are never answered, making it nearly impossible to have this resolved without intervention. At the present time, legal counsel for a collection agency that may or may not actually be able to collect on this debt is threatening a lawsuit. Brightwater Capital LLC should be aware of the actions of any agency they use and every party involved has provided nothing in writing.
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. 

XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

To whom it may concern. 

I don't have exact dates for the below description of events but will try my best to be as specific as possible. 

XXXX ) I leased a Hyundai XXXX from Hyundai that was financed through Hyundai motor finance. 
XXXX ) During the lease period, Hyundai changed their internal policy regarding how excise tax was billed and paid. This included Re-routing payments to the lease toward the excise tax and negating the monthly payment. I WAS NOT NOTIFIED OF THIS POLICY. 
XXXX ) I never missed a payment to Hyundai, nor were any of my payments late. Hyundai allocated XXXX payments to my excise tax and marked my scheduled payments as delinquent. HYUNDAI FAILED TO REPORT LATE PAYMENTS TO ME OR NOTIFY ME OF THIS POLICY, XXXX ) I received a phone call in the summer of XXXX notifying me that my car was going to be repossessed. I had not missed a payment and was not aware that I had any outstanding bills with the finance company. I PAID THE ENTIRE OUTSTANDING TAX ON THIS CALL AND WAS TOLD THAT IT WOULD NOT AFFECT MY CREDIT REPORT. 
XXXX ) In XX/XX/XXXX, I returned to lease another vehicle from Hyundai. I was then informed that i could not qualify for the lease because my credit score was a XXXX. HYUNDAI MISREPRESENTED THEMSELVES ON THE WHERE THEY TOLD ME MY CREDIT REPORT WOULD NOT BE AFFECTED. 
XXXX ) While at the dealership, I contacted Hyundai Motor Finance to inform them that they had, in fact, destroyed my credit score and that I was trying to lease another vehicle. I WAS TOLD ON THIS CALL THAT HMF WOULD FIX THE CREDIT REPORT. They informed me that this would not be immediate. I was forced to lease the vehicle under my wife 's credit until the correction would take effect. THIS WAS THE SECOND LIE FROM HMF. 
XXXX ) My credit score at the time of the lease of the Hyundai XXXX was XXXX. It dropped to XXXX. I could not a ) refinance my home to a lower rate and b ) not lease a new vehicle due to this change. The only bad marks on my credit score were the XXXX from HYUNDAI. 
XXXX ) I have filed complaints with both the BBB and the credit score companies. They had done an investigation with Hyundai that went unanswered. HYUNDAI DID NOT RESPOND TO THE INVESTIGATIONS. 
XXXX ) I called HMF on a dozen occasions to try to plead my case only to have it fall on deaf ears. This has taking days worth of time and has not amounted to anything. 
XXXX ) HMF HAS ALREADY BEEN SUED ON A CLASS ACTION LAWSUIT FOR THIS EXACT BEHAVIOR AND LOST. 

If there is anything that can be done to correct the pain on my credit score and protect others from this predatory behavior, please let me know. I would advise anyone not to do business with this corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently been disputing my credit report and have noticed things that haven't been removed and also a bunch of discrepancies. Pursuant to 15 USC 1681a ( 1 ) Accuracy and fairness of credit reporting. 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. There are 62 inaccurate remarks throughout my report. Furthermore, TransUnion is in violation of my privacy and consent. Pursuant to 15 USC 1681a ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. 15 USC 1681b ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. My written consent was NEVER given.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the credit reporting agencies XXXX, Experian, and XXXX, who have been reporting incorrect information in my credit history. These agencies have repeatedly shared a name and address that do not belong to me. 
My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. However, the reports issued by these agencies display a name and address that are not mine. This has caused confusion and potentially negative consequences for my credit and financial situation. 
I have attempted to correct this information directly with the credit agencies, but they have not made the necessary changes to my report. Therefore, I am requesting your office 's intervention to investigate this matter and take the necessary steps to correct the inaccurate information on my credit history. 
Please find attached copies of my Driver License, proof of address ( Utility Bill and Lease ), and mu current Credit Report from all three agencies. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit card

Apple Card is NOT investigating the disputed transaction on my card dated XX/XX/2023 for the amount {$980.00}, This transaction has been resolved with XXXX merchant and they have already cancelled this on my XXXX account, i have shared the proof on the same also sent the document to Apple, i have raised XXXX disputs on this amount so XXXX Apple did provisional adjustments to the disputed amount but they are not resolving the issue.
Product: Checking or savings account

My name is XXXX XXXX, I am a Paypal user with email address XXXX I was using my PayPal account very well before Paypal decided to put a restrictions on it and asked me to provide the necessary documents for them to unblock my account.

I successfully provided these information and PayPal said they would review my information and unlock my account within XXXX business day ; but unfortunately it is more than XXXX weeks and PayPal has not resolved my issue.

The account impact of this issue has really affected me.

I would want PayPal to resolve my issue
Product: Mortgage

My original mortgage with Greentree servicing had a monthly late fee that was {$5.00} and imposed after a 5day grace period. Ditech financial bought the loan and I was told yesterday that same fee would be {$65.00} per month applied one day after the payment due date with no grace period. This is a breach of my original contract that I signed with Greentree servicing and should not be allowed.
Product: Mortgage

I LOST MY JOB IN XX/XX/XXXX AND WENT ON UNEPLOYEMENT. IN XX/XX/XXXX THE UNEMPLOYMENT RAN OUT. I WAS WORKING WITH RCAP AND RAFT IN ORDER TO RECEIVE HELP WITH PAYING THE BACK MORGAGE. THE LAST PAYMENT I MADE WAS IN XX/XX/XXXX. RAFT/RCAP NEED THE MORGAGE STATEMENTS IN ORDER TO APPORVE THE PAYMENTS WITH FOR THE BACK MORGAGE PAYMENTS. I HAVE BEEN COMUNICATING THIS WITH SANTANDER AND REQUESTING THESE STATEMENTS. ACCORDING TO SANTANDER THEY NO LONG HOLD MY MORGAGE AND THE MORGAGER HASNT SENT ME A STATEMENT SINCE XX/XX/XXXX. I HAVE TOLD THEM TO KNOW AVAIL THAT THE ONLY THING I NEEDED WAS A STATEMENT BECAUSE I WAS APPROVED TO HAVE THE BACK PAYMENT PAID FOR ME BY RAFT.
Product: Credit card

On XX/XX/2024 it was brought to my attention I forgot to make a credit card payment and a {$29.00} fee was assessed. On XX/XX/2024 I called to request a one-time waiver of the late fee but instead went into a XXXX month XXXX interest program to help me pay down the balance. On XX/XX/2024 it was brought to my attention Bank of America charged me another late fee in the amount of {$28.00} for XX/XX/2024. Essentially, Bank of America has reported to the XXXX credit bureaus ONLY for late fees in the amount of {$38.00}. My online statement states {$57.00} which includes both months. Most importantly, BOA has reported me for an amount other than principal and interest payments that were indeed paid each month. Instead, they are reporting on late fees ONLY respectively. I request this 30 day late to be removed as they are late payment fees. Additionally, there is an issue of limitations on credit card fees that was passed back in XX/XX/2024.
Product: Debt collection

I got a voice mail on the XX/XX/XXXX XXXX from someone with the he last name XXXX he said that someone is making a complaint against me so I called the number he gave me on voicemail.They said they were filling a lawsuit against me for Debit that I owed XXXX XXXX. Back in XXXX year. I told them that was not me I never had a XXXX XXXX card with them in XXXX. But they have all my information my maiden name and Social Security number my address my phone number and birthdate. I did not answer them when they asked if that information was right XXXX told them that debit is not mine. They called me a lier and they were going to put a lawsuit against me and levy my Bank account and put a judgment against me. And said there would be a certified letter coming to me in about 10 days.I really could not say much XXXX XXXX would not let me talk .The name of the company he said is XXXX XXXX
Product: Mortgage

My loan servicing company is Loancare and I have been reaching out to the company since XXXX of last year to request that my account be put on bi-weekly payments. I want the option to pay my mortgage in two payments. I received an email on XX/XX/XXXX stating that they do allow it and all I have to is submit a request in writing. So I sent an email back requesting it ( XX/XX/XXXX ) and no response. I sent another request on XX/XX/XXXX and again I was told that it could be done and that I would need to send back a request. I sent another request XX/XX/XXXX and they responded that I would have to send a separate request. That request was sent and here we are in XXXX and I still don't have the option to pay biweekly. Ive contacted the Customer Service number and a young lady told me that the company doesn't allow biweekly payments. That was on XX/XX/XXXX. I then hung up and emailed the company again requesting to be put on a biweekly scheduled and here we are XX/XX/XXXX and they have yet to respond to me. I don't like that this company is keeping me from being able to save on interest and make an extra payment a year by doing biweekly payments.
Product: Money transfer, virtual currency, or money service

I am a XXXXr in the XXXX and will be moving to XXXX  in XXXX. I have been looking for apartments online and found a 2 bedroom 2 bathroom apartment for rent at XXXX XXXX XXXX unit # XXXX, XXXX, HI XXXX. It was listed on the XXXX website who works with XXXX. I emailed the broker, XXXX XXXX. He emailed back saying they could hold the apartment for me if I sent the {$2800.00} security deposit and {$2800.00} 1st months rent, so {$5600.00} total. He also sent a non-binding lease and said if I don't like the apartment in XXXX, we can cancel the lease and get our money back. I signed the lease, XXXX XXXX ( real estate broker ), and XXXX XXXX XXXX ( land lord ) also signed the lease. I then sent the {$5600.00} from my USAA account to XXXX XXXX XXXX XXXX account, account # XXXX, routing number XXXX on XX/XX/2021. XXXX emailed back confirming receipt of the payment and said we could do a XXXX meeting on the weekend of XXXX XXXX to view the apartment, as the current renter 's lease was up the 9th. I said either day would work and asked what time. After that I never heard back. Throughout the next week I sent 4 follow up emails and left 2 voicemails at both his numbers, XXXX and XXXX, with no response. I then filed a dispute with my bank ( USAA ), as I'm now realizing it was a scam. My bank contacted XXXX XXXX  and they were unable to recover the funds and I will not be receiving any of the {$5600.00} back. USAA has told me there is nothing they can do, as the fraud department was unable to recover the funds.
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 deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account 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 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

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a etc complaint reporting the information being exposed. I have submitted a ftc complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the data breach report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I negotiated a settlement with XXXX XXXX  and I paid that settlement. I will attach the settlement letter and the copy of the money order to cover the settlement. And the receipt of the money order by XXXX XXXX. It appears under the name XXXX XXXX. It shows in XXXX  as paid with a zero balance. In XXXX  it is showing as paid with a zero balance. 
However, it is reported incorrectly in Experian. They have refused to update and zero the balance out.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that resulted in identity theft. As a consequence, several unauthorized accounts and credit inquiries have appeared on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Debt collection

I was never notified either written or by phone of this debt and the amount for a phone bill doesnt add up. I was never given a summary of charges or even know what I am being charged for!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$29000.00}.
Product: Credit card or prepaid card

On XX/XX/2020, I received an unsolicited U.S. Bank ReliaCard debit visa card from the Colorado Department of Labor. The paperwork indicated I had applied for unemployment compensation. I have never lived in Colorado, and I have not filed for unemployment compensation in the State of Florida where I live. I am XXXX/retired, and have been for years. I tried contacting the company by the telephone number provided, but they want me to activate the card before talking to someone. I do not want to activate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX and XXXX are reporting a charge off for XXXX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting agencies.