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

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX. The notification was in regards to a account that had been flagged for collections. Instantly, I knew something was incredibly wrong. I then filed a dispute through the XXXX center and waited two weeks for my results. The results then claimed the company showed them proof of a recent account with them. I have no knowledge whatsoever about have a account with Sunrise Credit Service, which is located in New York.! I would most definitely appreciate if this issue is resolved quickly.
Product: Checking or savings account

On XX/XX/2023 - I tried to withdraw {$100.00} in {$1.00} and {$5.00} bills from the ATM of the Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX. The ATM did not give me the cash or a receipt. Immediately I filed a complaint over the phone. They gave me a temporary credit while investigating. 

On XX/XX/2023, without completing the investigation, the credit was reversed. And I called again, they say the investigation is in progress, and the branch has not responded. 

On XX/XX/2023, I went to the branch in person, after waiting over 1 hour, the associate called the phone line from Chase and they said the investigation is still in progress and they will credit my balance again. 

As of today, XX/XX/2023, I have not received a credit and don't have a status about the investigation.
Product: Mortgage

I have a current mortgage loan with Suntrust Mortgage , Inc. about 7 years ago I had some late payment and they began to report me as a XXXX as they were starting the Foreclosure process. After about 12 months of working with them, we reached a resolution and I began to make my payments on time. My problem is that since that time, they have HARMED my CREDIT stating that they Foreclosed on my home and that mortgage which is entirely incorrect. They now are harming me from buying a new car or home becuase lenders believe i had a foreclosure in the past. I am still in that home and have not missed a payment in over 6 years.
Product: Vehicle loan or lease

Due to the XXXX XXXX pandemic we called Capital one Auto to see what are options were. We had asked for deferral of payments like other auto loan agency are doing but was told we had to pay XXXX today XXXX and starting XX/XX/XXXX pay XXXX for 3 months. This was after they were told my husband and I were both furloughed due to XXXX  and I'm the only one getting XXXX. They said theres nothing they can do. I also explained that XXXX XXXX has been extremely helpful during this time and has deferred our loan for 120 days. My husband and I bought our vehicles the same day and year a little over a year ago and XXXX  was willing but Capital one response is unacceptable!
Product: Debt collection

I contacted Central Media Services to explain that before I would give them payment, I needed written validation to be mailed to me. I also asked for their state collection # and renewal date. They ignored my request, said " good luck '', and hung up. There is no way to contact these people except via phone ( very shaky ). # XXXX/XXXX XXXX , XXXX XXXX .
Product: Credit card or prepaid card

My daughter and I traveled by train ( XXXX ) on XX/XX/XXXX from XXXX to XXXX. We were waiting in a very long taxi line to taxi to our hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ) which was approximately 18 miles away. We were approached by two young men who said they would give us a ride for {$22.00} if we paid by credit card. We agreed and took the ride. We arrived at the hotel and the taxi driver did not offer a receipt. I did not sign a receipt. This didn't seem so unusual to me since the charge was a minimal amount. It was late and we were anxious to get inside our hotel room. 

When I returned from my vacation to XXXX, I looked at my bank statement and saw that the taxi driver had charged my Capital One credit card for {$2200.00}!! Outrageous -- over 100 times the amount a taxi ride cost or should cost from the XXXX train station to our hotel. I was sure that Capital One would recognize it as a fraudulent charge. I called Capital One that day and the customer service woman told me that Capital One would take care of it and they credited my account {$2100.00} ( the amount the taxi charged {$2200.00} minus the {$22.00} taxi ride ). The charge was later added back to my account so I called Capital One again. They said that I had not provided the necessary documentation so I wrote them a letter on XX/XX/XXXX disputing the charge ( and included the receipt that I had tracked down through XXXX ). I have called at least 7 times ( all were recorded ) and Capital One will not reverse the charge. I have tried to contact the taxi company but have not been able to reach them. To my knowledge Capital One has done nothing to determine if their vendor charged me a fraudulent charge. They said that I need to " prove '' that the charge is not accurate -- yet they did not offer solutions for this problem. 

Attached to this complaint is 1 ) the dispute letter I wrote to Capital One on XX/XX/XXXX, 2 ) a receipt for the taxi ride that I tracked down through XXXX that also shows what time we arrived to the hotel ( making it impossible to take a LONG taxi ride worth $ XXXX, 3 ) a receipt for my train ride into XXXX and time of arrival, 4 ) a hotel bill showing that we arrived to the hotel on XX/XX/XXXX. Capital One told me that these documents do not prove that I didn't agree to the charge. 

It is nonsensical that anyone would take a taxi ride that would cost {$2200.00} but Capital One argues that because they used the chip in my card, it is a valid charge. The signature on the receipt is not my signature. 

Please see my documents and help me? Capital One should protect their customers! I will never do business with Capital One again. This has been a terrible experience. I have since closed my Capital One card.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end XXXX XXXX XXXX as late for any purpose. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I havent received a 1099c a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these itemsto be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received 2 voicemail messages telling me I was being sued. I called them back and was told the suit was a credit card debt that I didn't know about. I have no documentation of this debt. I told them I live completely off Social Security benefits. I was told that I needed to pay it and that 10 % of Social Security could be garnished if I didn't go on a payment plan. There is a Federal Law that says otherwise about protected income. 

To stop the lawsuit, they said they could put me on a " hardship '' status and would automatically take {$50.00} a month from my bank. I tried to find out what company they worked for. My interpretation was that they worked in a law firm. I found out later that they are a debt collector. I asked if the lawsuit had been filed. She said she could retrieve the paperwork on the suit from her computer so it wouldn't be filed ( This doesn't sound like it makes any sense ). 

They scared me enough that I gave them my credit card information. They immediately took out {$50.00}. I was then told if I stopped paying, they would sue me. I don't know why I agreed to this without any paperwork about the debt. 

I tried filing a complaint with the XXXX in Florida but they were not in the database. I tried to fill in the info about this company but they do not list a street address and this is needed by the XXXX to make a complaint. I looked everywhere for this info and couldn't find it. There website is very uninformative XXXX XXXX XXXX. They are located in XXXX, CA. I called the XXXX in California and they couldn't find an address either. 

I think this is a nefarious business picking on the elderly who are just trying to get by. I cancelled my credit card. If they sue me, I will bring the Federal Laws regarding garnishment with me. They can't take my car because I don't own one.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Assuming that Select Portfolio does not file motion to vacate judgment by XX/XX/XXXX, at XXXX PM. You'll leave us no choice than to contact the IRS tax fraud, Department of Justice, Florida tax collector, Inspector General, Florida Attorney General. This is the peak of the iceberg. States are losing " BILLIONS '' nationwide on unpaid intangible & stamps taxes in connection with loan modification loan increase .Food for thought after XXXX nationwide lenders engaged in millions of loan modifications where till today have not paid the taxes owed to State tax collectors. There are billions of dollars that have been abated by these financial institutions. THE MATTER IS CONSTRUED AS TAX EVASION!!!! The department of Justice has yet to learn about this. It's the biggest tax evasion scam ever! and must be investigated by the Watch dog and multiple Federal agencies. This is the biggest discovery by a Florida mortgage fraud investigator. Select portfolio you seriously think you're going get away from illegally acquiring a judgment on our home when are barred by Florida statute to collect or have any enfacement pursuant to Fla. stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ). You seriously think you are going to get away from evading taxes on mortgages instruments??? I have news for you sunshine, in the United States of America, one thing for sure is DEATH AND TAXES!!!! You are trying to sale our home on XX/XX/XXXX, A WARFARE OF LEGAL ACTION WILL BE BROUGHT AGAINST YOU on XX/XX/XXXX at XXXX PM.
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 regulations E. These actions have significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied an apartment because of wrong information reported on my XXXX  report and Experian credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency national credit and they stated i owe nothing i noticed that they have a XXXX XXXX that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX  and experian three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX XXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Unknown Collection XXXX
Product: Mortgage

In Claim XXXX - XXXX XXXX XXXX took over for XXXX XXXX. 

XXXX XXXX falsified to consumer finance protection bureau that I did not make my three trial payments in XXXX, XXXX, and XXXX. 

She still does not address the underlying facts because the facts are not on their side.
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 U.S.C 1681 : HUNTER WARFiElD INC XXXX. XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a dispute to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking the Federal law. 

In accordance with the Fair Credit Reporting act. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( iii ) the information is in fact, inaccurate. 

This is unfair and they are doing this to me imagine who else they are taking advantage of and also doing this too. Can you guys please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect informations on my credit report. when i ask for investigation, they tell me the informations was verified as accurate. but when i ask for proof of the investigation they refuse to provide any. i want proof that the informations reporting on my credit report are mine or accurate otherwise they have to delete them immediately. the items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy chapter XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to re-investigate the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I also took notes of the following : 1 ) one of the disputed accounts reporting as late is inaccurate. I was never late and I never missed a payment ; 2 ) I need the Credit Bureaus to send me copies of proof of ownership of the disputed accounts ; and 3 ) there are accounts reporting on Experian that was already removed from XXXX and XXXX. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. I need the disputed accounts verified and be immediately corrected and or deleted from my Credit File. Here is the list of the accounts that should be investigated : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks
Product: Credit card or prepaid card

Amex closed my account witouth my consent, they are breaching the contract by not complying to reopen my accounts. Amex Hilton Honors and Amex XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccurate information on my credit report. Despite requesting a re-investigation and filing previous complaints, the inaccuracies remain unresolved and continue to negatively impact my credit profile. 

The credit bureaus closed my previous dispute, yet the incorrect data is still reported. Ive made several attempts to have this issue addressed, but no resolution has been reached. This failure to correct the information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly reinvestigate the disputed information, leaving inaccurate details on my report.

2. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are obligated to ensure accurate information is reported, but the inaccuracies have persisted.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : The required re-investigation was not initiated as per the law, and the errors remain unresolved.

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to investigate and ensure the bureaus comply with the law and correct the inaccuracies on my credit report immediately.
Product: Debt collection

I am reporting a debt collector that I have reported several times in the past. The name of the company is Enhanced Recovery and the last time they called it today,  XXXX   XXXX , at  XXXX . The telephone number is  XXXX . They have been calling for years and they never leave a voicemail message. I have talked wi th one of thei r representatives and told them to stop calling.