23daVinci/CFPB_Complaints huggingface dataset:
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. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed or deleted inaccurate information reporting on my credit report. Convergent outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. Convergent continues to report inaccurate information and even though I have sent letters and called XXXX, XXXX will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 5,5 financial loss, and I seek appropriate redress for these violations.
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 : XXXX XXXX XXXX : # XXXX Account : DEPTEDXXXX : # XXXX Account DEPTEDXXXX  : # XXXX Account : XXXX : # XXXX 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. 

I have already submitted several complaints through XXXX, XXXX, and Transunion and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the XXXX. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
Department of XXXX XXXX different dates in which account was open across XXXX, Transunion, and XXXX. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.
Product: Student loan

Without explanation or legal authority, FedLoan recently increased by monthly payments by more than {$1100.00} per month. Upon information and belief, FedLoan is doing so in order to retaliate against me for reporting its unlawful practices to members of Congress and the CFPB.
Product: Debt collection

They saying I own 16 months on rent XXXX dollars I dont owe any money to them an I didnt sign now lease in XXXX I only sign XXXX lease with them an that was only XX/XX/XXXX of XXXX I got all receipts that they are lying about the the money I owe them I dont owe nobody no money like that 16 months of not rent they dont even let you get 3 months behind in rent how do I owe XXXX to apt that was only XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion several times to correct/ remove the XXXX collection account on my credit report from XXXX. I paid this in full at XXXX at the time it was being sent to a collection department. it is listed incorrectly, as no other credit reporting place has it listed as a charge/off. They have not fixed the issue, just says that it is disputed by consumer.
Product: Credit reporting or other personal consumer reports

" In light of recent investigations brought upon XXXX, I find that my consumer file is beingXXXX XXXX irresponsibly tampered with. Over the past XXXX XXXX | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see inXXXX vour system that this account was previously disputed without being thoroughly investigated XXXX not be XXXX  validated. ''
Product: Debt collection

I have been trying to track down my student loan debt with navient once it moved from under XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the White House, at the EOP, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my Federeal community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via DMV and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the White House. Especially when they can find my current address easily as a matter of public record.
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 : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX FCU : Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12/20/2023 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XXXX
XXXX
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XXXX 2015 and XXXX 2015 with XXXX, Experian, and XXXX credit reporting agencies.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank youXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid off my Best Buy card.I realized there was a reoccurring charge of {$20.00} continuously being added to the card every month Ive called ( on phone long hours ) citicard l, Ive called Best Buy several times they said they would remove it continues to show up. I dont know what its for theyre saying its for XXXX XXXX subscription for a tv, but I never signed up for anything. I was told its been there every month since i purchased the tv. Again I didn't signup for anything, I have asked to please remove, they continue to add it and now late fees, its now affecting my credit score. They both are now giving me the run around saying its the other entity ( citicard or bestbuy ) responsible to remove it. This is impacting my credit negatively and i feel abused by them. It went from XXXX balance to XXXX {$80.00} this is fraud and i will not continue to pay for something I didn't authorize or buy. And it seems like i have been paying for this for over two yrs now unknowingly. I closed the acct and they are still upping the bill and now harassing calls for payment
Product: Credit card or prepaid card

Someone used the card. I complain about it. No signature on the card. 

Got harassed by discover financial associates. Asking when my stimulus check is coming and when am i going to pay for it Even on my duty time they called me harassing. Verbally abusing. 
They must have the records of harassing and abusing people. Discover financial doesnt care about customer service or identify theft. 

There are charges that Iam not aware of it
Product: Vehicle loan or lease

In an attempt to set me behind on payments and leverage unjustified late fees to my account, Bridgecrest has deemed my account " ineligible for autopay. '' I therefore have to remember to call them and make manual payments every XXXX weeks. They have unfairly applied late fees to my account and have made no effort to resolve this matter. I am even on the phone to them right now as we speak, and have been on hold for XXXX minutes.
Product: Credit reporting or other personal consumer reports

XXXX AND ASSOCIATES Opened XXXX {$120.00} XXXX XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$650.00} XXXX XXXX XXXX Opened XXXX All these accounts, I haven't removed from my XXXX and they are not me. The Trans Union is still there
Product: Debt collection

Today XX/XX/2022, I spoke with XXXX XXXX with XXXX law collection agency. She stated that they were a collection agency and that any information obtained will be used to collect debt. 
She asked For my information and stated that I owe a debt to Their client alteon health. 
I informed her that Ive never had any business with XXXX XXXX or XXXX law and also that i have state covered medical insurance through caresource and all of my medical bills are covered. I never gave anyone my written permission to furnish anything on my credit report. She refused to listen to my rights i am entitled to and also laws. She has also refused to remove this inaccurate unauthorized account from my credit report XXXX health has stole my identity and sold it to XXXX law collection agency as the representative stated XXXX XXXX is their client. 

I have disputed this debt with alteon which was supposed to be resolved and ceased but instead they sold this debt to third party people. 

According to ; 15 USC 6802. States- NO financial institution is supposed to share my information to third party people.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Also, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B A debt collector Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And 15 U.S.C 1692c States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting

I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I was notified by email from PayPal that my account was permanently suspended and that all remaining funds would be held for 180 days. This was due to an unprecedented security flaw in PayPal 's system which enabled cyber-attackers to access compromised accounts, and consequently file unauthorized transaction disputes through PayPal 's Buyer Protection Policy after receiving said items. 

The reason I am filing this complaint is because PayPal claims to hold all funds for 180 days in case of any chargeback attempts filed by buyers through their respected credit issuing agencies. However, most of these chargeback disputes have already been filed and effectively settled, by PayPal reviewing each case and successfully covering me under their Seller Protection Policy. Therefore, there is no valid reason for the majority of my limited balance to be held for 180 days, since the chargebacks have already been effectively settled and covered under PayPal 's Seller Protection Policy. 

I would also like to stress the fact that this is a MAJOR security flaw, and possibly thousands, if not millions of accounts are currently compromised and vulnerable to attack. PayPal does not offer an effective solution to these affected account owners, such as sending notifications, requiring a form of 2-factor authentication, or requiring a password change. There is also no way for PayPal to determine if these account owners had used a proxy to login to their own accounts, to successfully file an unauthorized transaction case and receive their money back, or if they were genuinely compromised by black-hat cyber attacking thieves.
Product: Credit reporting or other personal consumer reports

Please see attsfached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, whose address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that my credit card account with a last digit # XXXX is late and past due for the months XXXX and XXXX of XXXX As a result of this clerical mistake my credit score went down XXXX XXXX, from XXXX to XXXX, and I lost access to a wide array of financial products previously available to me. 
All payments on this credit card have been made and sent by me to XXXX XXXX XXXX  in time. 
In good faith I disputed this issue multiple times with all three credit bureaus asking them to remove erroneous information in my credit file submitted by XXXX XXXX XXXX 
Despite those attempts, erroneous negative information stayed in all my credit reports. 
I also sent a letter to XXXX XXXX XXXX explaining the situation and asking them to remove erroneous negative information from credit bureaus. I have never received any answer from XXXX XXXX XXXX 
I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the matters mentioned above and care for a full investigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX I sent Equifax a letter to verify collections and inquires on my account. For the collection accounts I never received verification or validation but on my credit report for XXXX XXXX  which is reporting 4 times for the same debt for & XXXX, XXXX XXXX for {$29.00}, XXXX XXXX XXXX ( 8 times ), XXXX XXXX, and XXXX. As for the inquires I have n't recieve any validation or verification that I requested for XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX in XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX for XX/XX/XXXX.
Product: Checking or savings account

Subject : Complaint Against XXXX and Bank of America Account Opening Declined Due to XXXX Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at Bank of America. Despite having an excellent credit score and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that XXXX can not validate my credit file, which prevents Bank of America from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within XXXX days. However, upon reapplying, I was met with the same denial for the same reason. 

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold XXXX and Bank of America accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX
Product: Checking or savings account

Date : XX/XX/XXXX To : Consumer Financial Protection Bureau.gov ( XXXX ) From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX : XXXX RE : Complaint against Bank of America NA Checking Account : XXXX Routing # : XXXX Bank of America not paying Checking and Debit Card Rewards and Deals that I have earned and are due me. 

Bank of America Customer since XXXX Overview : Bank of America has not paid me for my BankAmeriDeals /Rewards on my Checking Account / Debit Card Transactions that I have signed up and earned My rewards balance shows online as {$67.00}. 


XX/XX/XXXX, Spoke with BoA Customer Service Representative and then her supervisor today. I explained carefully to her that I am signed up for 119 BankAmeriDeals. She said she sees my account signed up for ZERO Bank of America Deals. I have print screens attached that show all 119 Deals. How can an Account Supervisor look at my account and see ZERO deals I am signed up for? Please refer to print screens attached. Also, please note the Customer Service Representative asked me to click on " Browse with Specialist '' so she could see the same screen as I was seeing, I did it gave me a four digit #, which the associate asked me to give her, and she said her screen just was sitting there spinning. Her supervisor would not allow me " Browse with Specialist ''.
Product: Mortgage

I have reached out to US Bank in concerns about accrued late payments. Several years back I lost my job and was unemployed for almost 2 years. During that time I struggled and did any side work or sold whatever I had to sell to insure I did not lose my home or go into foreclosure. Now since back on my feet, the last few years I have been on time and never missed a payment. I actual have auto draft setup and it comes directly out of my account every month. So I called US Bank asking if they would remove those accrued late payment charges which amount to {$3800.00}. Unfortunately I was told that they would only waive one late payment penalty charge of {$65.00} out of {$3800.00}. I have own this house for 15 or 16 years now and I have paid ungodly amounts of interest and I know I have paid late payment as well. It is a shame that I was one of the ones that did whatever it took to keep my house and not to go into foreclosure, which US Bank would have lost a lot more that {$3800.00}, but they could care less. They could care less about the home owner, its all about the money.