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

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency XXXX XXXX. Despite sending them a debt validation letter requesting proof of the debt on XXXX they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.
Product: Credit reporting or other personal consumer reports

My husband and I have a mortgage through Mr. Cooper/ Nationstar Mortgage . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Product: Credit card or prepaid card

I am currently homeless, the original address of XXXX XXXX XXXX is a XXXX organization that requires ID to obtain mail. They sent my last card back, so I've set up my address at another organization XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Colorado. They Also require ID to pick up Mail there. I can not have ID with their address as Serve wants me to send a picture of my ID with the address. If possible I would like for XXXX to send it to the XXXX side cares address as I have recently picked up mail there. Also, if they could reset the last request, so that I may contact them directly. Thank You.
Product: Checking or savings account

On XX/XX/XXXX I had XXXX  overdraft my citizens account. 

On XX/XX/XXXX I deposited enough to bring my account to over {$5.00} positivbe on XX/XX/XXXX XXXX overdrafted again, and they charged a " Sustained '' overdraft fee. The legal definition of sustained is maintaining without interruption. 

On XX/XX/XXXX my wife called Citizens and was rudely hung up on, I called back and had the following phone conversations : Name : XXXX ID : Refused Role : Customer Service Agent Notes : XX/XX/XXXX - Went Below XXXX. 
XX/XX/XXXX - {$5.00} Above Zero. 
XX/XX/XXXX - Went Below 0. Sustained OD Fee even though I was above 0 for 3 days. 

Name : XXXX ID : Refused Role : Customer Service Supervisor Notes : Refused the call because I was recording and put me on a XXXX hold. 

Name : XXXX ID : Did not ask Role : Customer Service Agent Notes : Asked for Supervisor immediately Name : XXXX ID : Refused Role : Customer Service Supervisor Notes : XXXX agreed that the timeline matches my claim, she agreed that the fee should be waved, but would not guarantee it would be. I ended the call there, if they can not give a guarantee, they can deal with you guys instead.
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. 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) Account # XXXX, has violated my rights XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 to cause to believe that the information is inaccurate.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years
Product: Checking or savings account

I received notification on the morning of XX/XX/15 that both my checking and savings accounts were restricted, supposedly for my protection. There was no notice or warning given prior to this. The language appears to make it sound like suspicious activity was occuring which resulted in the restriction and automatic closing of the accounts but not warning was given. I was not contacted at all until the notice which came the day the restrictions went in place leaving me with no access to my funds. When I called, I spoke to reps from multiple departments and no one could tell me why the restrictions were in place, they confirmed that there was no way for me to access my funds, and I would receive a check for the funds after the account closing process ( which was not initiated by me, but by the bank ) completed in XXXX business days. 

It is unacceptable that the bank can just freeze my funds, provide absolutely no explanation, and tell me I will just have to wait XXXX weeks plus however long it takes for the check to come in the mail for me to have any access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a credit line increase on my XXXX Visa Signature card with Commerce Bank. Commerce Bank notified me that they were unable to pull my credit report because of a security freeze. I informed Commerce Bank that they in fact did pull my XXXX  credit file on XX/XX/2020. Upon investigation by Commerce Bank, I was informed that there was no credit pull made by Commerce Bank on my XXXX  credit file. Commerce Bank indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from XXXX. At this time, I notified Commerce Bank I was unwilling to do so and that the credit inquiry made by Commerce Bank on XX/XX/2020 should be removed, as Commerce Bank indicated that they were unable to process my credit line increase because they did not receive a credit report from XXXX  on XX/XX/2020. Commerce Bank did not process an application for a credit line increase on my XXXX Visa Signature card and therefore the inquiry made by Commerce Bank on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from Commerce Bank that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00}
Product: Debt collection

This company has put several medical collections on my credit report, without sending me any kind of notice! This is a violation of my rights to dispute any kind of debt. I want this deleted now. I will seek ligation for this.
Product: Money transfer, virtual currency, or money service

Someone on XXXX XXXX scammed me after trying to buy a camera. I went to my bank and Zelle to form a complaint, and they said they could do nothing for me. While many other services like XXXX you can get your money back if you are scammed. I have stopped using Zelle since then because it is filled with scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2011 Balance : {$12000.00}
Product: Checking or savings account

I was credited by XXXX XXXX company on X/X/2017 for XXXX to my closed PNC account. Almost two months later, PNC still has not returned the funds to XXXX nor refunded my via check.
Product: Credit reporting or other personal consumer reports

I never received any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear Equifax, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. I already have been seriously harmed due the fact that you did not follow my written instructions the last time I reached out to your Information Services Department. Upon reviewing my credit report recently, I noticed that you never removed obsolete addresses as demanded, you have added a new address without my explicit consent, and my new auto loan is being reported without proper authorization. I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices. 2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately. 3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act. Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PNC Bank XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Product: Mortgage

I sold our house at XXXX XXXX XXXX XXXX, closing XX/XX/XXXX, 2017. The settlement statement is attached. The loan, # XXXX with SLS was paid off. Since then I 've received to bills from XXXX. About 2 weeks ago, the first one arrived and I called. SLS told me to send the settlement statement by email, which I did. I never heard back until XX/XX/XXXX, when another bill arrived. I returned the bill by mail along with the settlement statement and a short letter describing the problem. I 'm also sending this information to the title company that handled the escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012, while still in the US military and on assignment, my team, the XXXX XXXX XXXX, was scheduled to lodge at the XXXX XXXX in XXXX XXXX Texas while preparing for our unit to go on a XXXX. 

I was the first XXXX to arrive so I checked in ahead of my team. We stayed at the hotel for 30 days on orders and our rooms were USD {$100.00} per night, totaling {$3000.00} plus taxes upon checkout. Every XXXX XXXX room was supposed to be charged to their respective US military issued credit card. However, when I checked my credit card balance, there was an astounding amount charged to my card for USD {$6000.00} plus taxes. I called the hotel to dispute the charges, and was told the additional charges were associated with another XXXX, XXXX XXXX. I spoke with the hotel manager about the unauthorized charges and was told the issue would be handled internally to see where the discrepancies occurred. 

I arrived back to our unit, and financial services processed our card balances through a process called XXXX. My charges for my room were paid because they were valid, leaving a remaining balance from XXXX XXXX XXXX room. The XXXX XXXX state the military was not responsible for resolving the billing discrepancies as that was solely the responsibility of the hotel. 

After not hearing back from the hotel, I contacted XXXX XXXX several times and made him aware of the billing discrepancy. XXXX agreed to pay the balance in full via several recorded calls and emails to remedy the issues. However, after many unsuccessful attempts, XXXX changed is contact information and I was never able to contact him again. 

This balance was reported to the credit bureau and I never had access to the card account after this issue. These unauthorized charges are not the result of myself, and the hotel management had ample opportunity to correct the issue caused by their front desk agent on duty. 

I am going o seek legal representation, as well as contact XXXX, and the attorney general about resolution. This account has been reporting negatively on my credit for over 7 years and keeps reappearing. I am NOT responsible for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. I placed a Fraud Alert on my credit reports this morning ( XX/XX/2018 ) and I filed an FTC Report on the same day as well. Together with my supporting documents such as Drivers License, SSN Card, Utility Billing and FTC Report, I was trying to send EXPERIAN a letter requesting them to block fraudulent items on my report. I tried faxing them the documents but the fax always returns " Failed to send ''. I tried doing this 3 times today and I get the same frustrating result. 

I called their Fraud Department and ask for the right fax number and they say THEY DON'T HAVE A FAX LINE. They ask me to go to their online portal to upload the documents. I went to the page, input all the vital information they required and uploaded the documents I wanted to send but the portal returned " WE'RE CURRENTLY UNABLE TO UPLOAD YOUR DOCUMENTS ''. I checked all the files I uploaded, they are within the right file size and format. So I tried doing it on a different browser, XXXX XXXX, but still FAILED. I tried it on XXXX XXXX and still FAILED. It's really frustrating to work with EXPERIAN. I called the Fraud Department again and notified them that their ONLINE UPLOAD PORTAL IS NOT WORKING. They are insisting that I mail them the documents which is really expensive and will take 30 days for them to respond to. 

I am trying to take action on a case of IDENTITY THEFT and I don't feel Experian understands the urgency of somebody in this situation. Why won't they have a working Fax Line and why is their supposedly " easy '' online upload portal is not working for everybody??
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX Account number : XXXX XXXX XXXX : {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX  XXXXXXXX XXXX XXXX  I XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XX/XX/XXXX TopInquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, there are several accounts listed that are in violation of various laws and regulations, including : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX XXXX XXXX Off Account XXXX XXXX XXXX XXXX XXXX XXXX Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX Off Account XXXX XXXX XXXX XXXX XXXX XXXX Account I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof
Product: Credit card

The transaction date is XX/XX/year> for a Shed that is about {$770.00}. At the time of the purchase I was given the option of ( 1 ) XXXX interest for 12 months or ( 2 ) 5 % cash back rewards. I selected the XXXX interest for 12 months. This worked for the first month or my XXXX statement/bill. However, the XXXX statement/bill includes the full amount of the shed.

I have called Chase and the customer service representative does not see my calculations. The interest saving balance includes the full amount of the shed. I have told chase that I will pay the full balance if they give me my cash rewards. Chase said call XXXX. XXXX says this is completely a Chase Issue and that I should seek the help of regulators if needed.