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

In accordance with the fair credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

No response from the phone number given for resolution. XXXX. Ext XXXX. Inappropriate ads and recordings : not a direct line to the staff. Bank of America. Promise to refund {$800.00} of PMI for payment yet to be removed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquires. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures to align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I wanted to make CFPB aware of the practices of the XXXX store card offered through Sycrhony Bank. They add-on credit protection services with a letter to cancel within 90 days. I generally prefer not to associate with institutions that would add-on a service without consent and require an opt-out. This is a deceptive practice. I cancelled my card. I just want this on public record and if enough people complain hope that CFPB will look into Synchrony.
Product: Debt collection

XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.
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 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 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

I have two hard inquiries that I have never given permission for, my account was involved with identity theft. I had that resolved from my bank, then I found these two under credit karma. 
XX/XX/2017 : XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the number is not available XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX the number is not available
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you Validate all tradeline listings by XXXX XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline. 

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent jail and prison, violence and death from XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX for a debt and fraudulent account thats not my account. Its extremely appalling, disturbing and frightening to be receiving phone calls of violence and death threats. I am in fear of my life. The accounts with XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX  XXXX are fraudulent accounts and dont belong to me. XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX  XXXX is in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Mortgage

Ocwen complaint I can not get answers. Back on XXXX/XXXX/2017 I filled out an application for a Deed in Leiu, I was told not to make any payments during this process till the application gets processed and finalized.We initially wanted to vacate the premises the right way without a foreclosure.

We do not get call backs from the company even thou they continue to send me emails ( which I have ) stating I have a conference call scheduled with the relationship manager. We have made several phone calls and all I am told is I am very sorry, in a language that can barely be understood because they outsource their customer service.

I have read multiple complaints about this company online and they are all the same, no answer, no solutions, every excuse leads to problems regarding a lein on the home which is the excuse I was given ( yet I purchased the home with no history of a lein ) ..?

Now they have reported to the credit Bueru that I am delinquent on my account and past due the full amount of the note {$79000.00} Which is ridiculous Because we stopped making payments when we were told not to pay anything! 

It should be illegal to run a business the way they do. Deceptive trade practices.
Product: Debt collection

Midland Credit Management # XXXX I disputed this account with XXXX which I felt they did not do a thorough investigation as to how I owe this debt. They did not provide me with an explanation on how they verified this debt is correct. This is a charge off account by original creditor of which I was not provided a tax form so I could file with my taxes. Furthermore, this is not the correct amount owed. This was wrongly reported. I want this to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 PayPal confiscated all the money in my account, {$7200.00}, claiming I was in violation of their acceptable use policy, and that the money they confiscated was for " damages ''. I have had an account with PayPal for over a decade, first selling books, and then selling tools and firearm parts on my website for over four years. I was not aware that PayPal had an issue with gunsmithing tools and firearms parts until I recently read their acceptable use policy.

I was never told what part of PayPal 's Acceptable use policy I was in violation of, but according to PayPal 's acceptable use policy, under the AUP, which provides that " you may not use the PayPal service for activities that... relate to transactions involving... ammunition, firearms, or certain firearm parts or accessories, or... certain weapons or knives regulated under applicable law. '' I assume the issue was because of the firearms related items I sell, however I did not sell anything illegal, I did not sell any firearms or ammunition through my PayPal account. Under the AUP, " certain firearms parts or accessories '' are against the AUP. Which firearms parts are against the AUP, and how can the benign tools I sold possibly damage PayPal, and by what accounting method were these damages calculated? According to the AUP, certain firearms parts are acceptable, but some are not. Is the AUP purposely vague? I maintain that Papal is illegally confiscating their customers money, without warning or explanation. Even PayPal 's shareholders are concerned with this illegal practice, and have filed complaints with the SEC. There are now attorneys working on a class action lawsuit to get the millions of dollars back to the innocent people that PayPal has stolen from. I find it incredible that a financial institution would risk getting the reputation of taking their customers money without warning, and without recourse, and on a very vague and non-specific policy. Why would anyone take a chance on having money in a PayPal account when it can be arbitrarily confiscated?
Product: Credit card or prepaid card

I have been with American Express Gold Rewards since XXXX. I would spend on average $ XXXX a month due to business. I have enjoyed the perks with this charge card such as their rewards program as I use my point toward travel. 
I had called American Express customer service with a concern regarding a charge on my card. They resolved my issue and at the conclusion of my call the customer service representative informed me that I qualify for their new blue business card it has the same perks as my gold rewards card and the benefit was that I could have financing on the card for upto 15 months interest free financing. I was very intrigued and took the offer. At no point during the disclosure did he make mention of a credit limit so I assumed I would have unlimited credit card similar to that of my gold card. 

As Im in the construction industry this allowed me to buy material and appliances for a house we are working on and enjoy the perks of interest free financing for 15 months and I could save the money as I would not need to pull a draw on the construction line of credit which is a very high interest rate. Around the end of the month I received a bill from American Express showing that I only has a credit limit of {$2000.00} at this point I had spend over $ XXXX on the card. Payment of the over credit limit was due XX/XX/XXXX. 
I had called American Express and asked if they would increase the credit line to cover the charged amount and I would pay it off as agreed if not before. They declined my request based on my credit history. THey never did pull my credit history. 
I then made contact with Ms XXXX and discussed their business practice and was very disappointed and she proceeded to listen to the recorded line of the credit card offer and she agreed that it may not have been clear but the representative on the phone offering me the card would not have know what my credit limit was it comes with the card when the card is mailed to me which it did not and in the card agreement I received with the card did state that the credit limit will be posted on the first month bill. 
They froze the blue card as well as my gold rewards card even though my gold rewards card is current. I called and was informed that I would need to enroll both of my cards into their hardship program. I had asked specific questions regarding my points/rewards and was told by a customer service representative that the rewards would still belong to be even if I had enrolled into the program I would only loose the points accumulated on the blue card. I have almost XXXX rewards that I have paid for since my enrollment into the program. 

I have concerns that their business practice is misleading. If I had known my credit limit was {$2000.00} I would not have gone {$15000.00} over limit. Why did the card allow me to charge that much over the limit? And why would I loose points that I have paid for over the years.
Product: Debt collection

Hunter-Warfield was assigned a missed {$24.00} flex pay from XXXX which went unpaid when I did not not enter the renewal for my credit card with a new expiration date. They REFUSED to send me a written bill, They REFUSED to answer the phone. Then they REFUSED to answer my numerous voice messages that I left for them ... because hey its only {$24.00} bucks and they can not be bothered. Since they are so shady I REFUSE to make an automated payment. I will only pay by traceable check or money order. I am not going to place myself in a position where they are enabled to rob me and max out one of my cards or clear out my bank accounts. They are shady and frightening!
Product: Debt collection

The reason for this letter in dispute of the operating practices, misleading information and fraudulent activity bestowed on me by the Credit Acceptance Corporation. To wit : At or near the beginning of this Pandemic, I contacted this company via telephone, and was informed by a manager, ( named XXXX ) that due to the current crisis they would defer any actions against their clients as it relates to making payments at that time. I was told that " If '' I was able to make even a partial payment to do so. If not they would defer until the crisis was over. 
I contacted them again in XXXX, to make arrangements to bring my account current, because I had been unable to make my payment ( s ) during the Pandemic. At this time they requested that I pay them {$6400.00} on or before XX/XX/2021. ( See Enclosed Agreement Letter ). I was promised by them that if I was able to make this extremely large payment, my account would be brought current and my account would be in very good standing. 

I paid them the entire amount that they requested, by the day they requested. XXXX XX/XX/2021 Bill from company. Cleary states " NO PAST DUE AMOUNT ' After doing so and thinking that I had done everything they requested of me. I was appalled upon review of my credit to find that even though they told me. 1. That they would defer the payments until after the Pandemic. 2. That my account was in good standing. 3. There would be no penalties for not making payments during the crisis. THEY STILL REPORTED MY PAYMENTS 60, 90, 120 DAYS LATE. 
Totally contrary to what they told me or what expected from them. 

In closing I would request that this company do right by their customers. They should not be able to, on one hand state you dont have to make payments and then penalize a customer for doing exactly that. Then finally when they requested over {$6000.00} I paid it to keep myself and my credit in good standing. But this payment did neither. This company and their praticies should be sanctioned in some manner for misleading and subsequently penalizing their customers for doing exactly what they agreed to allow. And they need to correct " All ' misinformation supplied by them to the different credit reporting agencies.. 
Please Advise.. 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Sent from XXXX Mail on XXXX
Product: Credit reporting or other personal consumer reports

My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( 3 ) accounts within the last 90-120 days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

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 XXXXEquifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} ; 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

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
Product: Debt collection

I called FirstPoint Collection Resource spoke with Mrs. XXXX and paid the collection on XXXX for {$120.00}. She told me that this would be removed from my credit within 30-45 days. As of XXXX is has not been removed. I have spoke with her multiple times with the same response, that she has sent to supervisor for removal. I would like to request that they comply with the removal that I was told via a recorded line with a automated universal data form to XXXX  for paid for deletion immediately.
Product: Credit card or prepaid card

I have had 2 credit cards with Capital One Credit Card since XXXX. I opened another Capital One Credit Card Account # XXXX on XX/XX/XXXX. I used the card XXXX, XXXX, XXXX and XXXX. The month of XXXX the card wasn't used and the app stated there was no minimum ( or any payment ) due. A month later when I checked my credit score it said I was 30 days late for a {$3.00} interest charge for the card. The interest charge was never communicated to me and I never received an email the month of XXXX stating that I needed to pay an interest payment. When I called Capital One and stated what happened, they said that they would not take it off of my credit and just to " deal with it ''. I am extremely disappointed because it is greatly affecting my credit and I am unable to get more cards. I have spoken to them a few times and mailed letters and can not get any help. 

Please take this off my credit! I am happy to pay any fee- I am trying to buy a home and this is impairing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and  XXXX  notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed
Product: Debt collection

XXXX  XXXX sent {$560.00} to the collection agency DRS. I contacted XXXX  and they could not locate any account under me. They said I applied for a loan with them back in XXXX  and wasn't even approved. Sounds fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} XXXXl XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$190.00}