23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt was not discharged in bankruptcy, but nothing on description seemed to apply. Asset Acceptance ( Credit Agency ) for XXXX XXXX XXXX ( Original Creditor ) removed a debt for {$2200.00} from my credit report on XXXX XXXX, XXXX by XXXX it was back on my reports I hired XXXX to assist in fixing my credit and getting things removed from my credit report on XXXX XXXX, XXXX in agreements with XXXX they removed the debt from my credit report and at some point from then and now it is back on all XXXX of the major credit reporting agencies ( at {$2400.00} & {$2400.00} ) and I was never notified by XXXX, Asset Acceptance nor XXXX why or that it had been put back on. What is the purpose of hiring these companies or coming up to agreements if they only get things removed temporarily while your working with them and sneak it back on later???
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and affective 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 card or prepaid card

My company XXXX XXXX did credit card transactions from customers that used my services and the merchant company name that I used was PAYSAFE. It was 3 transactions in total XXXX I have attached the settlement batch as well. I was told that they will send the funds but than my money was not paid according to policy and said they will refund the funds back however services were rendered and therefore I should be paid for my services and the customers never received the refunds.
Product: Debt collection

In XXXX I paid XXXX XXXX XXXX XXXX  {$460.00} which paid the account in full. And XXXX XXXX XXXX sold the account to LTD ACQUISITIONS LLC who placed the paid account on my credit as a collection on : Last reported XX/XX/XXXX XXXX
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting

I have disputed information concerning XXXX on my credit report to XXXX, Transunion and XXXX. I received an response from XXXX through this agency case # { XXXX } whom responded that this collection would be removed from my report. I want the XXXX credit bureaus to remove this information immediately.
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 ( 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: Checking or savings account

I am filing a complaint against NFCU Navy Federal Credit Union. They have continuously charged me overdraft fees for same-day purchases where the money is available on the account. They allow the charges to go through and then post my credit after they have given me numerous overdraft fees. When I called to get them to reverse the charges they stated they could only do a one-time courtesy refund but have charged me 4 to 5 overdrafts for a debit on the same day as the funds are being deposited to the account.
Product: Credit reporting

On XXXX XXXX, 2016, XXXX XXXX pulled my credit without my knowledge or consent. Despite several phone calls to the company, and many letters to XXXX XXXX and to Experian, this inquiry has not been removed from my credit report. I know it 's a small thing, but it looks as though I have been seeking additional credit lines, which I am not. 
I am appalled that a company like XXXX XXXX is allowed to pull consumers ' credit without a legitimate purpose. I have NEVER applied for an XXXX XXXX product, and they have no business pulling my credit and leaving an inquiry on my credit report. 
I really want this removed from my Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX account with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and another credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

This was unauthorized and i have no knowledge of account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

On multiple occasions, XXXX XXXX identified that he was from Capio Partners and that I needed to pay a medical debt. If I did n't pay the medical debt he was going to notated in my account that I was refusing to pay which would negatively affect me. I requested proof of service rendered and payment was due. To date, I have not received any documentation. XXXX XXXX contacted my employer XXXX additional times ; advising them they are required to pay for it. My employer advised them to stop contacting them. 
I contacted Capio Partners XX/XX/XXXX who stated the case was with them but with XXXX XXXX XXXX XXXX. They stated Capio Partners has not tried to contact me. However, they subcontract jobs with XXXX and XXXX XXXX. Capio Partners stated they put a request in the file to stop the employment calling ; however they were not able to guarantee it. Capio Partners put a request in the system to provide a detailed statement to my email. I asked to speak with a compliance/complaints office and they stated no phone number was available. They stated the date of service was XX/XX/XXXX for {$460.00}. 

I then contacted XXXX XXXX XXXX which the debt originated. They stated they were unable to stop the collection agency from contacting me. XXXX stated a bill is due for {$460.00} for services rendered XX/XX/XXXX. The bill must be paid through the collection agency. They also stated the only way to get them to stop calling me is to settle my debt with that company. XXXX XXXX XXXX will be mailing a copy of the bill to the address on file. I asked to speak with a compliance/complaints office but was denied. They stated they would ask their supervisor to contact me. 

Situations like this make me not want to go to the emergency room or a doctor for fear of the future harassment and threatening posture that is posed by debt collectors.
Product: Money transfer, virtual currency, or money service

Hello. I am filling a complaint against Cash App or otherwise known as Block , Inc . This is due to inadequate customer service, and other unfair practices, that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely, accurate, and effective measures to prevent and and address fraud on their platform. This was left to leave my account VERY vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek redress for these violations. Especially since Ive lost more than {$3000.00} for fraud because my account was connected to Cash App. Including other transactions from subscriptions that werent connected to my Cash App but were connected to my Phone pay. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One charged off account was paid off in XX/XX/2022. Capital One is still showing 1 payments recently late after the charge off occurred on XXXX. This is happening several times now and it never seems to get fixed. Please investigate why Capital One and XXXX can not get this right. We have gone back and forth many times. Thanks
Product: Credit card

Some years ago I had delta skymiles card. XXXX XXXX. After some time American Express raised the card fee to {$250.00}. They said you could op out and cancel the card. I did. Next month they wrote and said how about {$200.00}? I said NO I op out and the card is destroyed. Good by! Next month I get a bill new balance is {$200.00}, minimum payment is {$40.00}. Every month I receive this same bill, for the last 3 years! I have called, e-mailed, and written but it keeps coming. I have spoken to people at Amexco and have written answers that there is no balance and no bill. One supervisor said that the bill cant be stopped but nothing is owed. What? I have at least 3 years of these bills. Other people are asking me to go paperless but these paper bills keep coming. 
Please help.
Product: Student loan

Current interest rate is 16.75 %. I was on a reduced-interest payment for over a year and made timely payments each time. This payment amount was about {$170.00}. That program has ended and the interest has shot up, my payment is now about {$270.00} a month. The ONLY other program they are offering is short term interest only, which would make my payment {$230.00} but would not touch the principal. I have been paying on this loan monthly for almost XXXX years, in fact have almost entirely repaid the principal back if not more - yet still I owe more than I took out. I took out {$14000.00} and currently owe over $ XXXX. I've attached lifetime history of transactions to back this up that I downloaded from their website. 
I have called Navient several times this last couple months to request what programs available, am always told only the interest-only is an option and to try to call back later. Last rep I spoke to was today, XXXX. The rep I talked to before that suggested that I wait until my payment was late to call back and see if there were any options. I am really trying to get this paid off- but it is clear they do NOT want me to pay it off, just to keep paying for the rest of my life. This should be illegal.
Product: Credit reporting or other personal consumer reports

According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to Transunion, XXXX and XXXX.
Product: Student loan

My income based repayment plan increased my monthly payments by almost double, I could n't make the payments so i called Navient to see what my other options where. Talk to a rep, she let me know that consolidating my loans would be a good option. She let me know that during the review process I would n't need to make the high monthly payments. That they would send me a letter with the terms and that if i decided to go that route i can sign and return the paper work. Well i did receive the letter from Navient regarding the consolidation, I saw the price and had a XXXX XXXX XXXX. All the money i had already repaid would pretty much go down the drain, I did n't know what to do so i decided to let it go and stay with the high payments. I was waiting for the package that included the signature pages to turn down the consolidation, it never arrived. Logged in to pay my loan and it said it was already re-paid!!! <P/>Navient consolidated my loan without me signing off. The letter that had the terms had at the end that if they did n't hear back from me they would take it as me accepting the new terms. XXXX???!!!! This was in XXXX 2016! What if i was on vacation and did n't check e-mails, obviously i wo n't have access to my mail. I felt so taken advantage of. There was nothing anyone could do to help me. All the money i had already paid off was gone. I owed it all again plus more. <P/>I do n't think this process is fair! All i did was go to college to have a better life and it has become the biggest regret of my life.
Product: Credit reporting or other personal consumer reports

I have reviewed my report, and there are accounts that are not mine. I also see multiple address and phone numbers that do not belong to me. I would like these items removed, as they are causing me issues obtaining credit. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX Date Reported XX/XX/XXXX Phone Numbers Other Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX
Product: Credit card

On XX/XX/year>, my credit card was charged XXXX ( {$50.00}, {$200.00}, {$200.00}, {$310.00} ) different times at XXXX different XXXX in the state of XXXX I live in the XXXX and have not been to a XXXX. I have reached out to XXXX Credit Card 5 times for information on the charges and to dispute them. Their words are they have no idea about the charges but they are on my statement and XXXX is wanting payment. I have been transferred multiple times and I believe that was done so I would stop calling the company. The phone number I used for XXXX ( service marks used by Celtic bank ) /Continental Finance Company XXXX credit card service company XXXX is XXXX.
Product: Checking or savings account

XXXX XXXX has requested additional information for XXXX XXXX  XXXX Checks whose book number is XXXX, XXXX, XXXX ( XXXX missing although all checks issued within 2 minutes ) which included a check payable to XXXX XXXX XXXX and XXXX XXXX XXXX so that they can locate a missing account funding checks which they say are genuine but were not funded from a known account.
They have not confirmed whether they were cashed and no endorsement shows at XXXX.
I am asking for a record of the transactions for these checks. A log must exist with an indication of the transfer of funds for the XXXX XXXX XXXX 's checks.
The social security number ends XXXX for XXXX XXXX who was the trustee of a family Irrevocable Wealth Trust and a trust for XXXX XXXX and a trust for XXXX XXXX. I attach the trust instrument designation for me XXXX Family Trust and a record from XXXX XXXX  for XXXX XXXX XXXX, no trust instrument in existence, for which I am indicated as trustee, social security number ending XXXX. XXXX XXXX may contact me XXXX with any additional requests for assistance. This is only a suggestion as to the source.
XXXX XXXX must state whether the funding was transferred from an internal trust account.
Product: Payday loan, title loan, personal loan, or advance loan

My ex spouse was contacted and given information about my debt
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Student loan

I don't think missed payments should show up for my student loans. I have gone through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was not able to update my information or to communicate with the loan servicer as I was experiencing significant impairments from XXXX XXXX. Not long after I first started to need to start payments or do other options to keep the account in good standing, I was civilly committed to the state hospital in a locked facility with limited means for communication outside of the facility. I also don't believe I should have to pay the loan because I wasn't given the services I need by the school 's XXXX XXXX XXXX XXXX office. I requested assistance in various things and I even gave them a full doctor 's report from a thorough neuropsychological evaluation I tried to continue trying to communicate with their office but the administrator for it was changed and there was an interim replacement. But besides finding out the staff changed I never was able to get a response or any kind of communication with them after that. I ended up getting no assistance for my XXXX and I failed my classes and dropped out after the first semester.
Product: Vehicle loan or lease

according to the Uniform Commercial Code it states that there is to be no interest charge when youre not dealing with money youre dealing with a consumer credit transaction down payments are illegal according to the uniform Commercial Code and I was never told about being able to rescission my contract any of that type of disclosure which is a violation so Im seeking all the interest that Ive paid for the two different promise to pay loan installments and I want compensated for the pain and suffering and the headache that this has caused me thank you