23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a {$51.00} credit card statement balance, on or about XXXX I disputed a {$50.00} charge, on XXXX I received an email from US Bank stating they had received my dispute and would contact me in XXXX days ; I have still not received a reply. 

On XXXX XXXX, I paid the {$1.00} remaining balance on my credit card, as I am not required to pay the disputed amount during the dispute. 

I was charged a {$27.00} late fee for not paying the disputed amount, a {$2.00} finance charge and received my new statement stating I must pay all {$79.00} XXXX XXXX ). 

While I called customer service and they removed the fees, it seems that if I have an item in dispute, by charging me a late fee for not paying the item in dispute they are violating my rights under the Fair Credit Billing Act and they may be doing this to other customers as well who do not know their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my credit report and I noticed that some inquiries where on my account I didnt know about. 

XXXX XX/XX/Trans XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX TransUnion XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ID XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX mail XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  I feel like anything posting inaccurate on my report with no info behind it should be removed immediately as my more financial educated friends say the fair reporting credit act. 

Im trying to better myself & this is really hindering me
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! 
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. 

The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. 

When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 

The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. 

The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. 

The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wanting these inquiries to be deleted because I didnt authorize these companies to run my credit. This fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have things on my report that shouldnt be there and Ive disputed these thing numerous times just to not have anything done about it come to find out there has been a information breach to where my personal info has been taken and used
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I have a medical debt ( amount of $ 330+ ) that was transferred to this collection company, TCS . An individual by the name of XXXX XXXX. They called me on XX/XX/XXXX to attempt to collect the debt. I informed them at that time that this debt will be included in a bankruptcy. I provided them with my lawyer 's information as I have retained a lawyer, but still in the process of filing bankruptcy. XXXX then called me again today, XX/XX/XXXX, trying to collect the debt saying that he called my lawyer, who told them that I haven't filed yet. XXXX tells me that in order for it to be included he needs case numbers and a bunch of other information. I told him that I don't know when it will be filed, but he said that he'll call me again in 2 weeks. Regardless of if I filed it or not, I have retained my lawyer, and all communication should go through them.
Product: Checking or savings account

Yes I went to ATM machine on XX/XX/XXXX Friday I deposited money for me and my children bills food etc that I had withdrawn coming out of on Saturday then the ATM machine malfunctioned and did not post my money to my account I was crying and upset like anyone would me a bank teller walked bye me never stopped to help me she said the the 800 number when I called the bank on XXXX XXXX and XXXX in XXXX XXXX Nevada they told me after I was begging them and crying to please put my money back they told me I would have to wait 45 days to get my money back in the mean time my family has no food gas money for Work school and my nerves are shot all my transactions failed and I have charges not right at all this should have been put back into my account then investigate I was pusished because there ATM machine broke
Product: Money transfer, virtual currency, or money service

A party on XXXX purchased an item and added shipping cost and paid via an electronic check. They paid with an electronic check in the amount of {$1300.00} on XX/XX/22. I was to pay the shipper directly, since the buyer was not going to be present. They indicated that they were donating the item to charity. 

I deposited the check for {$1300.00} into my XXXX account the same day. 

I was advised via XXXX XXXX to pay the shipper before they could pick up the item. I then paid the shipper {$1000.00} from my personal checking account funds via Zelle. 

My bank subsequently notified me XX/XX/22 that the check that I was provided in the amount of {$1300.00} was a fraudulent check. XXXX then reversed the deposited amount of {$1300.00}. 

I am now out {$1000.00}. I am a single mother of XXXX on maternity leave without pay. 

Please help.
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 violates 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. Futhermore, 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 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

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Portfolio Recovery Associates is attempting to collect debt for which the XXXX of Limitations has expired. They call from multiple telephone numbers and leave no messages.
Product: Vehicle loan or lease

I requested multiple times documents to verify correctness of loan received for my used XXXX XXXX. strike loan acceptance has ignored my requests for two months, is now reporting negatively and inaccurately on my credit report and is refusing to accept my monthly payment. I purchased the car XX/XX/XXXX. About a month later I received paper work stating my car payment was now due, but i noticed the amounts were incorrect regarding the monthly payment, the loan pay off amount, as well as warranty I had purchased as well. Strike has repeatedly promised to send me the copys and has yet to do so. I asked them to be mailed, faxed or emailed and Ive still received no correspondence. Ive attempted to pay my monthly amount to prevent negative reporting on my credit ; but they have blocked my ability to make a payment completely, and are still reporting to the credit bureau I am two months late despite my efforts to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a XXXX XXXX XXXX   that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX   XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. XXXX resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.
Product: Debt collection

My former employer 's payroll service XXXX mistakenly issued a Direct Deposit into my account on X/XX/17 almost a month after Ieft the company. I received an email only from the company 's accountant advising of XXXX error and that I would see an in and out of the ACH, as they are voiding the deposit. Which is exactly what occurred. The beginning of XXXX I received a letter from Brennan and Clark collections stating I received a letter from XXXX demanding the money back? As per the letter, I emailed them with documentation from my bank that the deposit was voided, and I actually was charged an NSF fee for the bad deposit. My credit union did reverse this as a courtesy due to the circumstances. After 3 emails and no reply from XXXX XXXX XXXX, I called the representative shown in the letter, he accused me of manufacturing the documentation, was rude, threatening and hung up on me. I have since emailed them documentation including a letter from the credit union confirming what occurred. XXXX finally replied and said I still owe them money? I did n't withdraw the funds from the bank, as it was voided the same day. They are completely unreasonable and it 's XXXX sloppy bookkeeping and banking practices that are the issue. I have included some research into Brennan and Clark 's tactics!
Product: Credit reporting or other personal consumer reports

I recently had a account appear on my credit report that I do not recognize or have any affiliation with. I have submitted police reports to to the 3 major credit bureaus and have been stone walled at every turn.

I have called the original creditor and the bureaus alike and have never gotten the response that is required by law, which is Removing this invalid account. I am from the north east where both my first and last name are very popular seeing as it is a XXXX  name. I myself have met many XXXX XXXX in passing that are around my age and can verify it is a very common XXXX  name. 

I have contacted XXXX and have been told this account is not on my credit profile and they can not verify it but for some reason it is still appearing on my credit report on XXXX and transunion which I do not understand seeing as I never opened a account with XXXX XXXX EVER in my life. Under the FCRA I have been advised that these accounts are to be investigated prior to appearing on my credit report and that never happened which is a violation to my consumer rights and I DEMAND this issue be resolved by removing it from my credit report. The reporting companies have the responsibility of ensuring all information being reported is 100 % accurate factual and valid and that has not happened. Remove this account from Transunion and XXXX Immediately as it is my right.
Product: Credit card

Im thankful that I took a screenshot at what I applied for with Capital One Venture One card that said I was pre approved and to finish filling out the application. The card was 0 % apr for 15 months on purchases and balance transfers..after I completed the online application it said that I was approved for the Venture One Card..I applied in XXXX, I don't remember date. I received the card for I wanted to transfer an XXXX balance..I 'm seeing on the account that my APR is 29 %!! Hello. I called and I was told, I need to have the card for 11 days before a balance transfer is offered..so I called again today the Venture one card and spoke to a manager, oh yes XXXX XXXXXXXX!!. I told her what I applied for and WAS APPROVED for is not the card that I was sent..the Venture one manager @ XXXX on XX/XX/year> said well you weren't approved for the Venture one card with the 0 % but was approved for the regular Venture one, not the promotional one..I told her to change it..she said she couldn't. I said that's deceitful and I wasn't told that I didn't qualify for the promotional one..she said I would have been notified, I was not..if I haven't taken a screenshot of what I applied for, I'd be screwed right now..the whole purpose was to use the 0 % for a balance transfer, no at 29 %. SO the call was recorded, I'm livid i told her to close all of my capital One credit cards and I hung up on her..I called my cap one SAVOR credit card told her the situation, she could have cared less, I asked her to close both the Venture and Savor card {$8000.00} worth of credit ... I kept my XXXX XXXX  card with them. I also said that I wasn't happy that they pulled my credit to send me a card that I didn't apply for. Help me please, this is just wrong. And the savor card was closed for deceitful practices, I don't t need a credit card from someone like Capital One
Product: Debt collection

I don't know who this company is. I reached out to them on multiple occasions and there was no response. This is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I ask Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and PORTFOLIO RECOVERY. However, they stated that everything was complete and accurate. But how is this possible when these companies, when 1099c was accepted and sent to each creditor, and Transunion are still reporting adverse accounts? I have evidence to prove my case. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that are not reporting correctly.15 USC 1681, SECTION 602 ( a ) 15 USC 1681, SECTION 604 a. I will notify the IRS of these actions.