23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a debt from XXXX to XXXX cell phone service. The debt not warranted and XXXX XXXX XXXX told me after numerous call that I did not owe this money. Again this was in XXXX, I called XXXX and terminated service to my ex mother in laws phone and step daughters phone. they tried to tell me that they could deactivate the cell phones but if the other party used them it would be reactivated. I told them I would not be able to physically get the phones after numerous calls and talking to numerous people they said they would terminate the contract. No charges would be owed. This again was in XXXX. Palisades somehow bought a collection for this transaction and has filed default judgements sending any correspondence to old addresses. They filed a garnishment through my current employer and sent the notice to an address I have not lived at since XXXX. They had to know my current address as they had to pull my credit report to find my current employer and my address is listed there as well. I filed an exemption from garnishment and they did not even show up for court. I was granted the exemption and they are still calling my employer to try and get a garnishment. I am attaching the signed exemption from the judge. The judge actually emailed me the signed order of exemption to make sure they would not get any payments. This is not even a debt I owe. I didn't know anything about palisades trying to collect this debt until they contacted my employer. This again is a debt from XXXX, 18 yrs ago that was not even a debt I owed. They can't give me any proof whatsoever or even tell me what the debt is for only that it is from XXXX XXXX XXXX. I only had them as a cell provider in XXXX so that is the only thing I can think of that this cold be tied to. They will not stop contacting my employer and threatened me today that they will just keep refiling the garnishment. I will still get an exemption because i am raising my XXXX yr old granddaughter whose father passed away. I was told that they can keep on filing to make me settle the debt. I am not settling a debt I do not owe. They are basically using harassing tactics too try to force me into a settlement.
Product: Money transfer, virtual currency, or money service

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 process was unfair and deceptive, as they did not Comply with error resolution under Electronic Fund Transfer Act.
Product: Debt collection

BB & A has informed me through this website that there is pending litigation against me without having me served. This is after XXXX XXXX in their firm contacted my father on XX/XX/26 in the early afternoon informing him of the debt. This violates state and federal laws.
Product: Mortgage

Well my father passed XXXX and Shell Point mortgage servicing after that did not even try to help us didn't call back up for loan modification XXXX XXXX the guy that was supposed to help us talk we talked to him a few times but started not calling back they kept the process going while the loan modification was in process never got our documents they blocked our emails and then he was telling us to send the specific document when we need to send other things he was telling us to send wrong documents will they foreclose on the house they took the house after my dad passed my mom was just so exhausted she didn't even want to fight for it shoes she's depressed she's distraught you know nothing I could do about it I just think it's really sad how they did this to us since then my mom had was forced out and now she has really bad part of town I'm trying to help her out as much as I can and my dad did die in the house they fixed it up and they sold it my parents put {$65000.00} down in cash on the house when they bought it back in XXXX XXXX I believe it was and I don't know how this bank can go and go and continue to get away with this I don't expect anything out of this I just want them to be stopped they do this with lots of people they change their name of their company numerous times please help me thank you
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home and I recently reviewed my credit profile and noticed inaccuracies incomplete information, and Unverified accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment and written/charged-off on my credit report : XXXX  XXXX : Account number XXXX ( Account Charged Off XXXX XXXXXXXX Written Off {$4100.00} XX/XX/2024 ) XXXX XXXX XXXX : Account number XXXX ( Account Charged Off $ XXXX Written Off {$410.00} XX/XX/2024 ) XXXX XXXX XXXX  : Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX XXXX  Account number XXXX ( Account Closed as of XX/XX/2024 ) XXXX XXXX XXXX Account number XXXX ( Account Closed as of XX/XX/2024 ) I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting or other personal consumer reports

according to 15 USC 1681 ( 5 ) | see it states after any reinvestigation under paragraph of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. I - Resolution : please update and delete this account - county of XXXX XXXX child support. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Code 15 USC 1681 ( 4 )
Product: Vehicle loan or lease

Dear CFPB, I am writing to lodge a formal complaint against XXXX XXXX XXXX / XXXX concerning my 2015 XXXX XXXX 4D Hatchback, Upon purchase, I was presented with a sale price that has since felt misleading and exorbitant, as detailed in my declaration paper. Furthermore, the vehicle has proven to be mechanically unsound, culminating in a complete engine failure just two weeks after purchase, rendering the car unsafe and undrivable. 
Given the severity of these issues, which directly contravene the assurances of safety and reliability I was provided at the point of sale, I am seeking an intervention from your office. I request a thorough investigation into the dealership 's practices, and I am looking for either a full reimbursement for the car or the return of my down payment. 
I am prepared to provide any necessary documentation upon request. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} 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 or other personal consumer reports

XXXX XXXX XXXX has reported that this is in the court -court name XXXX XXXX Services Docket number 0564 month filed XX/XX/XXXX Consumer Portfolio Docket number 7555 month filed XX/XX/XXXX Credit XXXX XXXX XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name XXXX court Eastern Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies
Product: Credit reporting or other personal consumer reports

( Equifax has failed 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 Equifax, 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 align with my experience, where Equifax 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 Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

i paid them is full on XX/XX/2019 for XXXX my balance was only XXXX and they saying they didnt get the check but i have a copy of the check barclays cash and they still keep taking my monthly payment for XXXX for which they got paid off.i called over 10 times and they keep telling me they dont have it but the company whom i refinance my house through have a copy of the check they cash.please help me to get my money they now owe me for paying more than what my balance was.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I am questioning the way Citi calculate the revolving balance. I did not make a full payment in XX/XX/XXXX XXXX actually I made a payment a little less than the statement balance way before the due, but forgot to pay the rest part because there is no reminder from citi telling me i had a remaining balance ). So they charged an interest on me. Then in XX/XX/XXXX after the new statement came out I made full payment but Citi still charged interest on my account which i totally do n't understand. I called them. The customer service said once you have revolving balance, interest will be charged until the 2nd billing cycle even if I paid off the balance, which sounds quite ridiculous. I asked for waiving the interest charge which my other credit card company like XXXX and XXXX allows, but got refused by Citi. I do n't know how the balance was calculated and I was never told before this call. Just want users to be careful when using Citi 's card. Their rules are not clear to you until you got hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i have a capital one credit card. my payments were not being updated on my XXXX  report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my capital one account. the account is still active and being used. the deletion does not show on my XXXX  report, only XXXX. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with XXXX, who sent me to capital one, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for account : XXXX XXXX XXXX # XXXX, which is a collection account on my credit report. The credit bureau updated the account which made me ask How did the credit bureaus verify this collection account as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX refuses to accurately and timely report my proper on time payments to the credit bureaus, especially EXPERIAN. this is a violation of the law and FCRA. I have made massive payments on my XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX and you are screwing my credit report and score because of your neglect and incompetence, and keeping my score so artificially low I cant obtain an apartment or a credit card or a mortgage. I am a XXXX veteran and and person, STOP THIS IMMEDIATELY ( NOT THIRTY DAYS FROM NOW ) and immediately report my proper amounts payments and balances to all three credit bureaus especially EXPERIAN. XXXX XXXX XXXX hasn't reported my on time payments and lower balance to EXPERIAN credit bureau since XX/XX/XXXX. They just quit and stopped reporting for no reason. I have made FOUR on time payments to military star of XXXX $ from XX/XX/XXXX to XX/XX/XXXX, which XXXX XXXX  card refuses to report properly on time every month. PLEASE STOP XXXX XXXX  THIS REQUEST AND LYING TO THE CFPB, XXXX HAS NOT RESOLVED THIS MATTER DESPITE MULTIPLE COMPLAINTS, OR BE SUED- XXXX  refuses to correct or update the credit report and instead says to email them, and they then refuse to do anything over the telephone and or email when requested. I am reporting XXXX to XXXX XXXX XXXX of florida and having him making a complaint to the director of XXXX XXXX XXXX XXXX XXXX XXXX in this matter. **** EXPERIAN CREDIT BUREAU- DO NOT FILE A DISPUTE IN THIS MATTER I HAVE ALREADY FILED A DISPUTE AS OF XX/XX/XXXX. CONTACT XXXX XXXX XXXX  AND GET ME AN ANSWER WHY XXXX XXXX XXXX NO LONGER REPORTS TO EXPERIAN CREDIT BUREAU.
Product: Checking or savings account

I attempted to open an online account with BMO XXXX and the account was denied. The email sent with the declining of my application stated no reason and just stated the account was declined. I spent over an hour on hold this morning calling customer support, and they still could not tell me why the account was declined. We verified all the information and there were no typos or mistakes. This is very discouraging as I am a XXXX  XXXX XXXX employee, I also have stellar credit and no criminal history, quite frankly no reason why I should not be approved for any account let alone a CD. They basically told me there is nothing to be done.
Product: Credit reporting or other personal consumer reports

Someone used my social security number to purchase a phone and a plan at a XXXX store. I noticed when I received a letter from XXXX that I was being placed in collection. I immediately reported this to the police department as Identity Theft. XXXX investigated it, and confirmed that I was not responsible for this because of fraud.
Product: Debt collection

Moved out in XXXX XXXX and sent an email confirming the move out which our lease was about to be up. Got a response that everything was good and we could leave where we moved to XXXX XXXX. Then all of a sudden I check my XX/XX/XXXX because of buying a house and I see a charge amount from XXXX XXXX. So I call them and get the runaround. first I was told they had a lot of turnarounds so he didn't know so then I forward the email then the new manager say there is not he can do. I told him I talked with XXXX XXXX and she could confirm the communication but he said it's already been sent and to file a police report and dispute it. Because it was sent to a collector but on their end, it showed that they kept my deposit of XXXX plus dollars. And now I can't get in touch with any of them the XXXX  tried and they got no response either.
Product: Credit card or prepaid card

I spoke with representative XXXX and she advised that I open new complaint as a result of new information for closed claim XXXX. 

Within a few days of the complaint, a policy change was sent by Netspend. I am believe this policy change addresses a nearly identical scenario described within my complaint. I emailed details to customer service, corporate representatives and the CEO of Netspend. 

NOTICE OF IMPORTANT CHANGES TO YOUR ACCOUNT Update # 2 : In the Your Liability for Unauthorized Visa or Mastercard Transactions section of your Account Agreement, weve updated the Visa Zero Liability Policy to the following : If your Card bears the Visa acceptance mark, under Visas Zero Liability Policy, ... 

... your liability for unauthorized transactions on using your Card is {$0.00} if you notify us immediately and are not negligent or fraudulent in the handling of your Card. 

These provisions limiting your liability do not apply to debit transactions not processed by Visa or foreign ATM withdrawals. 

I respectfully request additional investigation. 

Thank you for your assistance & support regarding this matter. 

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

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different balances {$1000.00} {$590.00} Date Opened three different dates/ years apart XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

please see attached proof
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX fl XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.