23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from RMP Services LLC for a medical debt. This debt is related to a claim that is under appeal through insurance. I called RMP and explained to the debt collector that this debt is not owed by me because it is still being processed by insurance. 

The collector refused to accept my debt dispute. I asked if they will accept that the debt was in the appeal stage of insurance processing. They refused to accept this fact and refused to remove my account from collections. The collector wanted an EOB from my insurance company within 5 days, but and they did not accept that the insurance company may not return the appeal until XX/XX/2022 ( 60 days from appeal submission ). 

I requested RMP to put this debt on hold pending appeal and remove me from any status of bad debt that could impact my credit score, and they refused. She stated my only options were to give her the EOB ( which does not exist yet ) or pay the debt. 

This is misleading practice by RMP and appears to violate federal rules on this website. I will call the hospital and ask them to remove RMP from my account.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXXXXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on XXXX & nothing reported at all on Transunion at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX TRANSUNION XX/XX/XXXX XXXX. PAYMENT STATUS How can I be late 120 days on Transunion and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF EDXXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2. INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX XXXX  SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!
Product: Bank account or service

My CHASE account was restricted. It went through days of investigation and when the investigation was complete they claimed they sent me a check for the remaining amount on XX/XX/2017. Today is XX/XX/2017 and still I have received no check. They told me to sign an affidavit and indemnity agreement which after reading I realized will take all legal liability for the check away from chase. Everytime I call I get the run around and nobody can seem to provide me with any valid information that the check was indeed issued. They want their customer 's to sign this form but I 'm uneasy because thus it 's been 30 days and I have n't gotten the first check, why would I feel comfortable in signing a document that says the " first check '' they issued is now void and to wait around for them to hopefully send me a " second check ''. I 'm convinced that the first check was never mailed. It does n't take 30 days to receive a check in the mail. Every time they mail something out in regards to that account I always get it at the address that I have on file with them.
Product: Checking or savings account

On XX/XX/2023 I opened an Apple Savings Account and linked an external bank account ( XXXX  ) to fund the Apple Savings Account in the amount of {$160000.00} USD. On XX/XX/2023 I withdrew {$5000.00} USD back to the funding account, leaving a balance of {$160000.00} in Apple Savings. On XX/XX/XXXX an interest payment was added to the balance in the amount of {$210.00}. 
The current balance of the account was now {$160000.00}. 
I made the decision to move this full amount into another bank ( XXXX ) that provided a higher yield XXXX vs XXXX. The new savings account was opened XX/XX/XXXX and they deposited micro deposits to verify my ownership of the Apple Savings prior to moving the funds. After verifying, the new higher yield savings account ( XXXX ) attempted to fund the account the balance {$160000.00} which resulted in Apple locking my Apple Savings account. I contacted Apple Savings and they said they were unable to process this transfer and that I would only be able to withdraw all funds back to my original account that funded my Apple Savings ( XXXX ). Apple Savings unblocked my account and I was able to submit a request to withdraw my funds. 
I processed this withdrawal request on XX/XX/2023. The Apple Savings account immediately went to a {$0.00} balance. Since the withdrawal request, I now randomly get notifications from Apple Savings saying my account has been locked/restricted which require me to be on hold for hours a time, being passed off from agent to agent while they investigate with no real explanation as to why my account is being locked. 
As far as Apple Savings is concerned per my last call on XX/XX/XXXX, the money from the XX/XX/XXXX withdrawal request has left their system. It's now XX/XX/XXXX and the receiving bank ( XXXX  ) still sees no trace of the ACH being sent from Apple Savings ( I contacted them to verify ). So now I'm stuck with no access to my $ XXXX which is in limbo, with no interest being accrued.
Product: Credit reporting or other personal consumer reports

I have a couple times on occasion tried to have this late payment removed from a credit report by XXXX XXXX XXXX there will be three things that I will state to three codes that makes the late payment on my credit report not valid 15 USC 1666b under timing of payments. The law states that unless I receive a statement 21 days prior to the due date they can not report anything as late on my open credits. They've never sent anything certified returned so there no was for XXXX to prove that. Under 15 USC 6802 reporting my information to a non-affiliate financial institution is identity theft and against the law and I never signed anything giving me the option to either have or have not something put on my credit reports they're in violation of that right there also and under 15 USC 1681 B permissible purposes I never did give XXXX written permission to Equifax XXXX or XXXX to furnish any of my information so this late payment is against the law and needs to be removed immediately and I want the late payments removed off of all three credit bureaus I went removed off of XXXX Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B
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. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/2017 and a balance of {$XXXX} This account is incorrectly being reported as a charged off account with a balance to {$XXXX} or delete the negative payment status on this Account Collection account from XXXX XXXX XXXX with account # XXXX and a balance of $ XXXX.The Original creditor is XXXX XXXX XXXX 

has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the 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 XXXX 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 the the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX false reporting account after it was already settled and paid off the information shouldn't have been shared to XXXX, XXXX, or experian due to false reporting under FCRA IT IS TO BE FIXED OR REMOVED WITHIN 30 DAYS THIS ISSUE WAS REPORTED MULTIPLE TIMES THRU THE 3 BUREAUS.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your company 's failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for engaging in sham investigations and failing to properly address consumer disputes. 
It is unacceptable that Equifax, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C** that Equifax is legally obligated to comply with : 1. **15 U.S.C. 1681c - Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Equifax 's failure to remove or correct such information violates this provision and harms my creditworthiness. 
2. **15 U.S.C. 1681e - Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Equifax 's sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 
3. **15 U.S.C. 1681i - Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Equifax 's pattern of conducting inadequate or sham investigations, as highlighted by the CFPB 's enforcement action, is a clear violation of this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to GM FINANCIAL through my open end credit plan Pursuant to 15 USC 1602 ( g ). GM FINANCIAL then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) GM FINANCIAL has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to GM FINANCIAL to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. GM FINANCIALhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). GM FINANCIAL has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Product: Credit reporting or other personal consumer reports

Recently | 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 the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verity as accurate : XXXX Florida XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$10000.00} XXXX XXXX Account number : XXXX Balance : {$8400.00}
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX : {$1100.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is credit hard inquiries on my credit report that I do not recognize without my consent : Please have removed as soon as possible for XXXX from Credit report. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was attempting to make several credit card payments to my credit card ending in XXXX to Citicards through my checking account with Citibank ending in XXXX. 
I did these payments on XX/XX/XXXX th XXXX th and XX/XX/XXXX. On XX/XX/XXXX th found out that the payments didn't go through because they couldn't locate my bank account number. I asked why no one got in touch with me sooner so I could make the payments another way but wasn't really given an answer. Anyway got in touch with Citibank and was told that there was a technical glitch and an additional number added to my account by accident. I explained that to Citicards but they proceeded to close my credit card account and then closed my other two credit card accounts with citicards. I have not been able to open another credit card with Citicards and have tried applying for a card XXXX XX/XX/XXXX and was rejected. I have paid everything I owed at the end of XXXX which wasn't even due until the end of XXXX. There is no legitimate reason for citiicards to reject my request for another credit card. In the past I've always been successful making payments using Citibank app on my XXXX and tried to explain that I did not make any payments where I have had to enter my routing number or bank account number but they refuse to believe that the bank made an error and Citibank continues to take any responsibility for this error. I already accrued XXXX miles with their credit cards. If you need any other information please let me know. I have a fourteen year relationship with Citibank and the i credit card company and in that time have never had anything like this happen. I also have a XXXX credit rating with the three credit bureaus because I always pay my bills early but always when then ate due. The three payments amounting to {$380.00} weren't even due but had texted money so decided to pay off part of my {$850.00} balance early, something I do On a regular basisa If you require further information please let me know. Thank you
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 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX of XXXX  at XXXX I requested for an extension of credit pursuant to 12 CFR 215.3 to Credova Financial LLC through their online website, according to the Truth in Lending Act 15 USC 1602 ( f ) to have " Credit '' is my Right to incur Debt and defer its payment. After filling out the application and providing the company with my personal information, social security & credit card number 15 USC 1602 ( 1 ) they responded to me through email at XXXX minutes after I submitted the application with an Adverse Action pursuant to 15 USC 1691 ( d ) ( 6 ) denying me my right to credit.

Within this Adverse action the company Credova Financial LLC have broken the law ( 6 ) times Violating FDCPA and FCRA pursuant to title 15 USC 1692f ,15 USC 1692j, 15 USC 1692e ( 10 ) ,15 USC 1692d, 15 USC 1681q, and 15 USC 1681 ( a ) ( 1 ) ( 2 ) In the adverse action the company informed to me that they gave the offer " careful consideration '' but noted that the " Application information provided can not be verified. '' which is false because they provide me with a credit score and said, '' Our decision was based in whole or part on information in a credit report. '' then soon after mention that " The credit reporting agency played no part in our decision. '' which is very misleading considering what was just said to me the sentence before. Then finally at the end of the letter they stated, " We obtained your credit score from the credit reporting agency and used it to make our decision. '' which is deception and contradicts everything that was recently said in the beginning of the letter about not being able to verify the information.

At that moment Credova Financial LLC charged my credit card for the purpose of obtaining services on credit pursuant to 15 USC 1602 ( 1 ) in doing so made an inquiry on my consumer report while simultaneously denying me credit by use of false and misleading representation through an adverse action letter. Credova Financial LLC committed a crime pursuant to 15 USC 1611 ( 1 ).

The entire Adverse Action letter was false and misleading representation 15 USC 1692e, unfair practices 15 USC 1692f, Harassment 15 USC 1692d, furnishing certain deceptive forms15 USC 1692j and obtaining information under false pretenses 15 USC 1681q and held no accuracy & fairness of credit reporting according to Title 15 USC 1681 ( a ) ( 1 ) ( 2 ).
Product: Checking or savings account

So on the XXXX of XX/XX/year> I made a claim. I told my bank ( chase ) they took money from my account. They did the claim but XXXX weeks later they took my money away from my account, they did a reversal claim. I just dont understand. This isnt the first time they did this. Chase isnt helpful at all. Why cant they just look at the atm cameras and do an analysis to the video. The lady on the phone just said they dont have enough evidence that it was fraud. The cameras on the atm alone is enough evidence. Why dont they compare heights, weight, male or female. Pls help me out. XXXX dollars just taken from me and my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX