23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
Today XX/XX/XXXX, I contacted Navy Federal to notify them that I would be making my payment on XX/XX/XXXX. What should have been a straightforward conversation quickly turned into an upsetting and intrusive experience. 
I was bombarded with invasive questions about where the money would come from, how I get paid, whether I have another bank account, and why I couldnt make my payment on time. This line of questioning were degrading, harassing, and completely out of line. The natural consequence of such treatment left me feeling humiliated, oppressed, and emotionally shaken. 
I was told that my request would be honored as a one-time courtesy, but there were specific requirements for a promise-to-pay arrangement. When I asked for these policies in writing to better understand them, I was informed they were only for internal use. 
This is not the first time I have experienced such behavior. Every time I try to extend the courtesy of informing Navy Federal about a delayed payment, I am met with what I can only describe as harassment and oppressive conduct. These interactions leave me emotionally drained, sick to my stomach, and dreading the thought of making another call. When I dont inform them, they harass me, and when I do, Im still harassed ; its a no-win situation.
Product: Credit reporting or other personal consumer reports

Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XXXX XXXX XXXXXXXX XXXX has violated the Fair credit reporting act.
Product: Money transfer, virtual currency, or money service

Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through cash app and with XXXX. From XX/XX/XXXX through XX/XX/XXXX there was a total of 2,585 in transactions on XXXX. And during that same time frame there was a total of 1,268. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I sent a dispute letter to the credit bureau. I took the time to research consumer laws to dispute incomplete & inaccurate reporting on my credit report. I have contacted the credit bureau and they could not find the letter I wrote or either they assumed a 3rd party wrote the letter. My letters were not even looked at. Although I have stated I wrote the letters and it is not even against the law to have a 3rd party send off letters on my behalf ( such as XXXX Law ) I was not given a reason for how they determined this. 

I am filing a complaint and asking you again to reinvestigate the following accounts. I would also like a copy of my updated credit report within 30 days.
Product: Payday loan, title loan, personal loan, or advance loan

Acima charged insane amounts of interest and would not rerun the product
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX XXXXXXXXIm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I always pay on time, but XXXX not sure why this company is showing late payments for some months. According to XXXX XXXX, billing errors must be fixed and updated to reflect timely payment.
Product: Mortgage

I contacted my homeowner insurance company - XXXX INSURANCE - regarding roof repair and subsequently submitted a claim. XXXX approved and paid the claim and within two weeks send a renewal notice with a premium increase of nearly {$400.00}. I immediately called OCWEN LOAN SERVICING ( loan number XXXX ) and advised I would not pay the increased amount and for them NOT to disburse the payment to XXXX. I was told the renewal request was in queue and was placed on hold while the renewal was deleted from queue. I was then told disbursement had been cancelled. 
I spoke with a representative of the local agent - XXXX INSURANCE - and advised her I was not renewing the XXXX policy. 
I researched and found a new agent - XXXX and XXXX INSURANCE - and advised them to submit policy to OCWEN for payment. 
On XXXX, XXXX XXXX, 2015, I received letters from XXXX and OWCEN. XXXX provided a Reinstatement Notice for policy number XXXX indicating payment of {$950.00} received and balance due {$1000.00}. The letter from OCWEN is a Past Due Notice indicating {$1100.00} was due on XXXX/XXXX/2015. OCWEN received and processed my XXXX payment - check dated XXXX XXXX, 2015 cleared my checking account on XXXX XXXX and my check dated XXXX XXXX, 2015 cleared my checking account on XXXX, 2015. XXXX payments were in the monthly amount of {$1000.00}. 
I contacted XXXX and XXXX today and was told they had not received payment for the new homeowner policy that took effect on XXXX XXXX, 2015. 
OCWEN is now threatening foreclosure and to report my account in default. IT IS NOT. As the homeowner and the supplier of the funds, I feel I have every right to choice who I wish to insure my property. 
I just called OCWEN and was told " I paid XXXX, so I would have to pay the increased policy premium to replenish my escrow account ''. I told her " I DID NOT PAY XXXX - they paid XXXX and they need to straight out the mess they have created. " I was then told I had to speak to someone at the Insurance Service Center and was given a number to call - XXXX. I dialed the number XXXX and got a recording stating this is not a valid number. 
OCWEN needs to retrieve my escrow funds from XXXX INSURANCE and pay the new agent or send the money to me. OWEN must also remove any negative reporting on my credit in reference to my account payments, my payments were not late and my account is not in default. 
Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity and 2. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment - - XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Checking or savings account

I was charged XXXX in overdrafts even after an XXXX direct deposit was made but not posted until Monday. If the funds are available to me on Saturday then I feel overdrafts should not have been accessed because it brought my balance to a positive balance. They can afford to give money away in sweepstakes why can't they give a break on good customers
Product: Checking or savings account

On XX/XX/2023 my husband and I deposited a check from XXXXXXXX XXXX  from the proceeds of the sale of a vehicle for {$20000.00}. I received a receipt from the bank stating that the funds would be available on XX/XX/2023 and the member service representative who deposited the check said the funds would be available on Monday XXXX requested an online transfer from my business account at XXXX XXXX for {$7500.00} to be processed today XX/XX/2023. I checked my XXXX XXXX account on XX/XX/2023 and the bank online balance showed the {$17000.00} was available for withdrawal. I requested the transfer from XXXX XXXX which is pending based on this information. I logged into my account this morning XX/XX/2023 with Navy federal and now the funds are not available. They placed an additional hold on the funds and removed availability. I was never told by the member service representative that there could be an additional hold, and nothing was printed on my receipt to tell me otherwise. This is extremely misleading to a consumer and business owner. There needs to be another way to notify members that there will be or could be a hold placed on items just based on what someone feels for that day. There should have been something printed on my receipt that says there could be an additional hold placed on the item. Also showing the funds were available and then removing it from my account is very concerning to me that they can just do this without any recourse.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 we entered into a credit Installment loan agreement. Terms were broken when false numbers and interest rates were reported to the credit bureau to date XXXX times. XXXX is wrong. XXXX interest is wrong. A error was made by this company with the math. Who pays for my higher interest rates and premium due to unlawful numbers. Am I the consumer to pay because a well established lending agency that knows the law and doesn't apply it.
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 Protections 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 reporting or other personal consumer reports

I ask XXXX for the records the FURNISHER or Vendor used to Verify my on going dispute. I personally called Capital one said they don't have any information with my name and Social security number. XXXX, XXXX is out of business no phone available, I mailed letters no response. My question is how can the FURNISHER and Vendor, verify or update my information. Capital One don't have any information, XXXX, XXXX companies have no phone numbers available. XXXX sent this card saying they what the Fair Credit Reporting Act is. I will keep filing complaint until this inaccuracies are permanently removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX. I have only 1 current address beginning with XXXX XXXX all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : 1. XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX XXXX 4.all XXXX XXXX 5.alXXXX XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX & XXXX XXXX 6 ) XXXX XXXX, XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XXXX XXXX 10 XXXX XXXX XXXX  XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX ) XXXX XXXX XXXX 15 ) XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX 22 ) XXXX 23 ) XXXX XXXX 24 ) XXXX 25 ) XXXX XXXX 26 ) XXXX 27 ) XXXX XXXX 28 ) XXXX XXXX 29 ) XXXX XXXX 30 ) XXXX XXXX 31 ) XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/2022 I requested a teller check sent to a rental property for a deposit. The funds were not received in the time advised. I followed the instructions provided by the representative and followed up again as advised because the company had not received the funds. When I called back I was told by 2 reps different addresses where the funds were sent. I spoke to a supervisor who then advised that they will not be able to stop payment and reissue funds despite their error for 90 days. I have explained that I will be homeless with my child because this is my rent money. They still have not resolved the issue. I provided the management with call details so they can review my interactions with their reps and locate my money. They still have not responded with a resolution. I just want the money back so I can close the account and never do business with this company again.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Inaccurate Credit Reporting and Failure to Conduct a Proper Investigation Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for their inaccurate reporting of my auto loan with XXXX and their failure to conduct a fair and thorough investigation into my dispute. Despite my repeated efforts to rectify this issue, TransUnion has continued to report false and misleading information regarding the status of my account. 

The details of the account are as follows : 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 Issue : TransUnion has inaccurately reported that my loan was " Paid through insurance, '' when in reality, I personally paid off this account. 

This false reporting is misleading and has the potential to negatively impact my creditworthiness. I initially disputed this with TransUnion and requested that they correct the inaccuracy. However, instead of conducting a proper investigation, TransUnion dismissed my claim without sufficient verification and continued to maintain the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure that the information they report is accurate and conduct a reasonable investigation when a consumer disputes an item. Their failure to do so constitutes a violation of my rights under the FCRA.
Product: Credit card

XXXX XXXX {$35000.00} was charged on my Home Depot / Citi Bank credit card at the Home Depot store in XXXX XXXX XXXX. I live in XXXX XXXX and shop in the XXXX store. It looks like washing machine and some sort of straps were purchased. I did not make nor have any knowledge of this purchase. I called their fraud department and started a fraud investigation. About a month later they sent me a letter stating that I made the purchase and had to pay. No explanation! I called again and they sent me to their security department. They asked me a few questions and stated that the investigation could take up to 90 days. On XXXX XXXX I received the same letter stating that their investigation shows that I made the purchase and had to pay. Again no explanation! I have not called them again because the people I speek with do not help. I asked them to block my card and to not send me another one. They sent me another anyway and somebody tried to use that one. Any help you could provide will greatly appreciated. 
Thank You
Product: Debt collection

I went to XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX  CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX  had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX  with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX   office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX   at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX XXXX XXXX  CT. Tel # 2XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX  CT. This attorney seemed to XXXX XXXX  from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the XXXX XXXX XXXX. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX XXXX XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my XXXX XXXX XXXX that was XXXX XXXX. As soon as the XXXX  wore off the XXXX   was hurting, and it was XXXX. I used XXXX XXXX to fix the XXXX  and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney Howard Lee Schiff P.C that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX.

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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Product: Credit reporting or other personal consumer reports

XXXX  XXXX open two account in my name.one account unsecured XXXX done by fraud another account secured done by excessive interest and fees XXXXboth accounts affected my credit score .I have informed all third parties entities of the GLBA privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties. XXXX XXXX XXXX  must process opt-out notices within 30 days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 Ive asked for the consent form and have been ignoredEXPERIAN, XXXX, XXXX are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d ) XXXX XXXX  is committing identity theft by not obey these rules? no notices no reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

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