23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

An credit card application was open in my name for the company listed below JPMCB CARD, XXXX XXXX XXXX, XXXX, phone number ( XXXX ) XXXX on line, on the XXXX of XXXX and again on the XXXX of XXXX. I've called the company and reported the application for the XXXX of XXXX as fraud. I haven't been able to report the application for the XXXX of XXXX as of yet due to the fact I received the notice late in the day and the company is already closed. However, I didn't do the credit card application on the XXXX or the XXXX of XXXX. They said they would cancel the application and the inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against National Credit Adjusters for reporting a collection account on my credit report with XXXX XXXX as the original creditor. I never had any obligation to pay XXXX XXXX, and I am confused as to why this alleged debt is being reported. 

In Texas, XXXX XXXX operates as a Registered Credit Access Business ( CAB ), but the actual lender is an unaffiliated third party. Additionally, XXXX XXXX is not registered in Texas, and their right to conduct business has been forfeited. 

I was never notified that this debt was sold to National Credit Adjusters and have received no correspondence from them, making their claim hearsay and unethical. This situation mirrors the case of XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information. 

Given these violations, I request the immediate deletion of account XXXX from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have around 3-4 hard pulls on my exparian report. that should n't be there
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and Experian.
Product: Debt collection

This company I never heard of reported a medical debt on my consumer report claiming I owe them but never sent me and documents to prove how I owe them or any type of verification I have requested several times directly through usps mail and have been ignored since XX/XX/XXXX. They are also reporting inaccurate incomplete information they are reporting the account opened up XX/XX/XXXX but payment history only shows from XX/XX/XXXX. According to 15 U.S.C 1692g- validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 regardless for these violations.
Product: Debt collection

I ask for proof this is mine they sent me a statement XXXX XXXX that is not me and wrong address. XXXX ca I don t live there
Product: Vehicle loan or lease

When I bought my car my engine was going out involved the seller nothing never was done to fix it i was back & forth with this car then not only did I put XXXX with them jacking up the price giving me the run around lying about the engine just to make a sale
Product: Credit reporting or other personal consumer reports

This account is reporting late reported in my Experian and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. XXXX XXXX and XXXX XXXX.
Product: Debt collection

On XX/XX/year>, TransWorld System Inc. reported to the Credit Report Agencies negative Collection Account from XXXX XXXX ( Utility Company ). I was informed by XXXX XXXX that the name of the Collection Agencies is TSI/XXXX  ( XXXX ) XXXX Account Number is incorrect & balance due is in correct ( EXHIBIT A ). TransWorld System , Inc. NEVER VALIDATED DEBT. 

TransWorld System Inc. failed to provide VALIDATION OF DEBT. On XX/XX/year> I send Letter Validation of Debt by certified mail to TransWorld System , Inc. which is the due process ; Fair Debt Collection Practices Act, 15 USC 169g Sec. ( b ) stated that claim is dispute ( Please Delete XXXX XXXX XXXX from Credit Report Agencies ( EXHIBIT A ) .TransWorld Sytems Inc NEVER communicated by telephone call, email or written letter by mail. The was NEVER any communication between the TransWorld System Inc & the Debtor. 

TransWorld System Inc. deliberately, intentionally & deceptive unfair practices & tactics
Product: Checking or savings account

I have been a depositor at Chase and its predecessors for nearly 42 years. Never had an issue on my end ( NG Checks, Claims etc ). On XX/XX/22 a transfer in the amount of {$4800.00} was debited from my account. The account a transfer to a person I don't know and never heard of. On XX/XX/22, I went into my branch and asked a bank officer what I should do. He recommended that I close the account and indicated that the account was probably hacked. The bank was most cooperative in opening a new account and filing a complaint with Chase. The balance from the closed account was transferred to the new account along with re-imbursement of the {$4.00}, XXXX. On XX/XX/22, the new account was debited {$4800.00} and was told in one of the many ensuing telephone calls that the claim was denied. After many calls and visits to the branch, the reason given was that they investigated all my transactions, all devices connected to this account and could not find anything different or out of whack. The investigation apparently indicated that they had no indication from any of the normal operating protocols to my account and therefore the transfer to this un-known to me recipient was authorized. I have never received communication in writing from them of where they transferred this money nor was the transfer investigated. Today, I closed my savings account and two brokerage accounts with Chase. I can not continue screaming at representatives and continue to receive robotic answers as if it were a script. How can they blame the victim here?
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, US Department of Ed # XXXX, has violated my rights 15 U.S.C 1681 sec 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
Product: Mortgage

Back in XXXX  of 2020 my family was affected by the pandemic XXXX. We lost family members and we are about to loose our only home. My income came back and now im ready to resume payments. Please help me keep my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several account that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX Account number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these account and the removal of any fraudulent entries from my credit report. ese account and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, LP. Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Product: Credit reporting or other personal consumer reports

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXX XXXX, the holder of my mortgage. XXXXXXXX XXXX XXXX  mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX  to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXXXXXX XXXX collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. Barclays # XXXX
Product: Credit reporting or other personal consumer reports

Account Names : XXXX XXXX, XXXX XXXX XXXX. 

Regarding the accounts above XXXX, TransUnion, and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. 
I demand that XXXX, TransUnion, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

" PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly committed Felony Fraud to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal. 

They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. 
This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment. 
They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. 

They also don't provide consumers access to their full, unobfuscated account numbers either on the website, phone app or even in account statements. 

This itself is a Federally Illegal & Fraudulent Business Practice. 
Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections XXXX XXXX XXXX  For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unverified account reporting on my credit reports with XXXX, Equifax, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, Equifax, and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all XXXX Credit Bureaus.
Product: Credit card or prepaid card

Experian placed a freeze on my account for fear of fraudulent activity. I was unable to apply for credit after that, and am not able to have the freeze removed unless it's submitted in writing. I have LITERALLY tried 9 phone numbers to speak to someone and each time have not been able to get around the automated service. Finally, I called and said I was a business so as to get a person on on the phone, I have been on hold LITERALLY 2 hours and 26 minutes and have still not spoken to someone. I A AM LIVID. IT IS IMPOSSIBLE TO SPEAK TO SOMEONE AT EXPERIAN AND THEY MAKE ADJUSTMENTS TO YOUR CREDIT REPORT WITHOUT YOUR AUTHORIZATION OR CONSENT - AND THESE ADJUSTMENTS IMPEDE MY ABILITY TO LIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SETTLEMENT - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX 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 my 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 consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # bank XXXX XXXX account XXXX bank XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I went to XXXX XXXX XXXX XXXX XXXX in 2011 and it ended up being shut down. I originally got my private loan through XXXX which they now transferred the loan over to UAS XXXX and I ca n't afford to make the payments and feel that if Im able to have my federal loans forgiven that I should be able to have my private loans forgiven or some sort of help with this loan.
Product: Checking or savings account

M & T Bank just migrated the accounts of Peoples Unite Bank over the weekend. Since the transfer I have been unable to access my funds online to pay bills or transfer money between accounts. In addition, M & T is not answering their phones and the staff at my local branch is unable to figure out what is wrong. I need access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections from ERC amount {$940.00} originally disputed ERC successfully taken off my XXXX  and XXXX  by the collection provider & they been sent info to have it removed from XXXX. XXXX  somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.
Product: Debt collection

Received cell phone call from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX on Wed, XXXX XXXX 2016. 

Call went as follows : Me : Hello? 
Caller : Hi, is XXXX there? 
Me : Who is calling? 
Caller : XXXX or XXXX? from ( inaudible ) - said while covering his mouth Me : From where? 
Caller : XXXX XXXX and XXXX Call was terminated at this point. 

The caller had very obviously covered his mouth with his hand to purposely obscure the name of the business so that the source of the call could n't be identified. 

That bears repeating. To ensure that I could n't hear who was calling, the caller covered his mouth when asked to identify from where he was calling. Nor did he mention that he was a debt collector. I had to come about that information by searching the name of the organization on the internet.
Product: Debt collection

On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX TX to do a preventive service ordered by my primary doctor. A mammogram was perfomed and XXXX sent me the bill. I sent several emails to their company with proof of payment from my insurance company XXXX XXXX XXXX. We spoke in three way call with insurance and people from hospital and said everything was covered. 

Now I am receiving calls and bills from medicredit a about telling me I still owe this money, even when I sent emails to XXXX and XXXX I contacted XXXX accounts directly, I have spoken with XXXX different persons and they said they have no proof of payment.
Product: Credit reporting or other personal consumer reports

**Contents of Complaint : ** This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion, XXXX, and XXXX 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 receiving this complaint.

The fraudulent, inaccurate, and false information consists of a personal credit card account opened ....

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. All of the accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or authorized by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached to this document are two filled reports from the Identity theft. Gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  and Capital One has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USc 1681 section 604a section 2 also states that consumer reporter agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit card under an open and consumer credit plan as late for any purpose.