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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDXXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX # XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

V ALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX
Product: Credit card or prepaid card

Hi, I received my monthly statement on my Citibank double cash credit card and noticed 4 transactions from XXXX that I know I did not make. The amounts of them were {$73.00} on XX/XX/2021, {$85.00} on XX/XX/2021, and {$110.00} on XX/XX/2021. I promptly called Citibank on Saturday XX/XX/2021 @ XXXX XXXX  EST. And it lasted 18 minutes. While on the phone with the representative I told him about the 4 fraudulent charges from XXXX, 1 of which was reversed by them, and he said he was marking those other 3 charges that had not been reversed as fraudulent and they will be investigated by their fraud team. Everything with that part was fine. Its all as it should be. My problem occurred right after he told me that part about the fraud department investigating them he then informed me that the investigation can take up to 30 days so they recommend I pay the full balance if I do not want to be charged interest on the fraudulent charges. This is regardless of me staying that I believe they are fraudulent because all my XXXX charges get out on my XXXX XXXX card specifically for the purpose of being able to pay over time with 0 % interest or earn a lot of points. It doesnt make sense. If Citi says they offer zero fraud liability protection on my credit card which, they claim they do, then those three items should be taken off my statement and moved to zone for the fraud department and they can accrue interest if they want while in there but, not in my current statement. I know that once the investigation is done these items will be declared fraudulent because I didnt make those charges on XXXX on my Citibank card. So I wouldnt have a problem with that. But the rep specifically told me that if I dont pay the full balance I will be charged interest which will be reported to the credit bureaus. This bothers me and I feel like Citi lied about zero fraud liability on my card as I reported the fraudulent charges but, they still charge me interest on these fraudulent items until their investigation is over which can take up to 30 days. And in that time can report that to the credit bureaus. I pay my bill in full every month so as not to be charged interest and not have that reported to the credit bureaus. It just seems like a lie that citi says they provide zero fraud liability yet they still recommend / encourage you to pay the balance so as not to be charged interest on the fraudulent charges. The rep couldnt do anything about that he said he was just informing me of the policy. I think its wrong and misleading to claim they have a zero fraud liability but, then not say that youll still be responsible for the interest on them.
Product: Credit card

I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back. I submitted complaint they sent me a email saying they are working on it and requested more time. When i went back to check on complaint they send message to bureau they contacted me and complaint is closed .. this is false information. after the initial email i received nothing. i actually had to call them numerous times with no response so my only choice is to reissue complaint in hopes i get someone that will resolve the issue, they kept the money and drawing interest off it so they cant say they don't have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/2022 - XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX ( unauthorized/unverifiable hard XXXX ) XXXX XXXX XXXX Dealer Services ( unauthorized/unverifiable hard inquiry ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Debt collection

This is a follow up complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX  provided debt validation without an original signature and a bunch of itemized documents and printouts of bills. The alleged signature did not look like mine either. I have no knowledge of this account. XXXX XXXX XXXX is violating Fair Credit Reporting Act XXXX ( but not limited to other sections ). It is the furnishers duty to provide accurate information. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
As the consumer Im stating this account reporting against me is inaccurate and not correct. This account is violating the Fair Credit Reporting Act via Section 623-b and Negligent Enablement of Identity Fraud, Defamation, and numerous other FCRA sections XXXX 
XXXX XXXX XXXX told me to address my questions and concerns with Axiom Acquisition Ventures but they aren't reporting this inaccurate account against me. Im addressing XXXX XXXX XXXX  for violating my rights under the FCRA and reporting an erroneous account against me. This is my final dispute to clear this matter up. I have kept good records and will be seeking legal action against Achieve Personal Loans, if this account is not removed in the next 30 days.
Product: Checking or savings account

I filed a dispute on XX/XX/ 2020 due to a cancellation of a reserved trip because of COVID-19. I have paid {$1800.00} in monthly payments and have proof of the payments being charged from my account. On XX/XX/XXXX, I was denied to receive my money back due to my bank not being able to contact the merchant. The merchant has shut down their website and there's no way to contact them. 
My bank, Wells Fargo will not agree to these transaction to return the money.
Product: Student loan

I was shocked when reviewing my credit report and found late payments on all 3 loans on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, recently my credit was decreased because it was reported from US Bank that my mortgage had increased up by about {$2000.00}. Even though I have taken part in a forbearance plan, they have reported that my mortgage has increased in {$980.00} increments. When I called my credit unions, XXXX, XXXX, and XXXX, they all said they are receiving reports from US Bank as {$100000.00}. When I receive my monthly statements and check my balance online it indicated that the remaining balance is {$100000.00}. After I disputed the balance through XXXX and XXXX, the dispute decision was decided as accurate information reported which is incorrect. When I called US Bank they also confirmed my balance of {$100000.00} and indicated they are reporting that number to the credit agencys. 

So my disputes have been declined, the credit agencys are saying they are receiving {$100000.00} from US Bank, and US Bank is declaring they are reporting {$100000.00}. They had caused a 14 point drop in my credit.
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 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, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please update this account completely from my Credit XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX has failed to update my fraudulent account that are being reported on the consumer profile. 

FTC and the Police report along with the deletion letter from the company XXXX is evident and attached as well as XXXX being deleted permantely from my consumer profile I have reported them as well for their deceptive reporting and clear violation of the 15USC 1692 ( g ). 

Their inaccurate reporting concerning the Navient account are not only abusive but clearly fabricated the loans are in deferment not closed and 90 days late. 

XXXX you are violating federal law and I do intend to receive cure for the injuries that I have thus sustained. See attached Invoice.
Product: Debt collection

Collection Management Services did not produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging XXXX to provide the agreement under penalty of perjury. XXXX sent a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). XXXX also said that another company " referred '' the alleged debt. I challenge XXXX to provide proof of this " referral '' under the penalty of perjury. This is referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ). Collection Management Services violated the same section in their response to my last CFPB complaint. Collection Management Services stated that the name of their business as XXXX XXXX Collection Management Services, but that is not the name that the company used in my letter nor is it the name used on my consumer report. This is misleading according to the Act and a violation of the 15 usc 1692e ( 14 ). I would like to bring to XXXX 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of XXXX 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I will sending my invoice along with my Affidavit of Truth to XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX stating all facts which includes each violation and the damages that you have caused me.
Product: Payday loan, title loan, or personal loan

I was seeking deferral of a payment to stabilize financially and on two separate pay dates ( XX/XX/XXXX and XX/XX/XXXX ) Minto Money withdrew funds from my account although new credit agreements were signed. Each time I called back to determine why I was told that they did not process the request they sent to me and that I physically e-signed while on the phone. 

I then asked for my monies to be refunded from the XXXX which was also confirmed over the phone. Six business days have passed and I did not receive the funds from the XXXX. Minto Money has now applied a {$40.00} late fee and yet again claims that there are notes on file and my request was simply not processed.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I discovered that I was a victim of identity theft and was disappointed to find out that someone unknown to me had used my personal information to get credit card accounts, lease and apartment, get pg & e, phone line and also filed a bankruptcy all with my social security number. Since I was not aware of the accounts they all got charged off and eventually ended up in collections. I have been diligently working with the credit Bureaus to repair my credit ; up until now XXXX  and XXXX have deleted the erroneous items from my credit profile. I am still having trouble with Equifax ; I have submitted an FTC report a police report and have asked Equifax to show me where they receive their information for bankruptcies. Equifax told me they receive their information from two places, they said the court reports to them and that XXXX XXXX also reports to them. I have received letters from both entities and they do not report to the Bureaus ; therefore this is considered an inaccuracy on my credit report by the consumer reporting agency. Per the FCRA 611 the consumer reporting agency is required to furnish verification to the consumer as to how or where the consumer reporting agency receives their information. They will not tell me where they get their information and have not removed this inaccuracy from my file. I have written them several letters to no avail. I have sent them many certified letters with date stamps ; per the FCRA they have 30 days to reinvestigate and determine a resolution.
Product: Debt collection

Navy Federal Credit Union has restricted my user account, all because my latest credit card billing statement was due in the amount of {$250.00} on XX/XX/XXXX, and payment on the credit card wasn't until XX/XX/XXXX. This is predatory, malicious, and repetitive behavior from this institution. I have been a member for almost 5 years now. I know that they are not allowed to conduct business in such deceptive and incorrect ways. My entire user account is listed as being delinquent, however, I paid the Cash Rewards card and according to the message I received from Navy Federal, my payment on the XXXX XXXX is not due until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information contained in my consumer report. I have identified an account that appears to be inaccurately reported. This inaccuracy is of great concern to me, and I request a thorough investigation into this matter. 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Please verify all aspects of this account and its reporting history. I am requesting that any information found to be inaccurate or unverifiable be corrected or removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), please complete the investigation within the required time frame and provide me with the results in writing. Additionally, please send me an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information to execute a loan with XXXXXXXX XXXX XXXX on XX/XX/XXXX, Although the fRAUDULENT LOAN WAS REMOVED FROM ALL 3 CREDIT REPORTS BY XX/XX/XXXXXXXX XXXX XXXX XXXX threatened to steal my home for payment. The FBI defines housr stealing as indentity theft and mortgage fraud. I've attached my theft affidavit abd FTC identity theft report.
Product: Checking or savings account

I am filing a complaint with the. XXXX regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute toTransunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.