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  TX XXXX XXXX Reference number XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX, XXXX account number XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, Account 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 XXXXXXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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.

I told the Experian, TXXXX, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 

XXXXXXXX XXXX  Account XXXX XXXXXXXX Date Opened : XXXX DIFFERENT DATES OPENED ( INACCURATE ) The " Date Opened '' is reported as XX/XX/XXXX on Transunion , But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Date of Last Activity : XXXX DIFFERENT DATES OF LAST ACTIVITY ( INACCURATE ) The " Date of Last Activity '' is reported as XX/XX/XXXX on Transunion, But XX/XX/XXXX on XXXX. This is very Inaccurate, there is no way this Account is 100 % Accurate with XXXX Different Dates. 

Dispute Status : ACCOUNT NOT DISPUTED ( INACCURATE ) Dispute Status Never changed even after 30 Days. 

Two-Year Payment History : DIFFERENT PAYMENT HISTORY ( INACCURATE & INCOMPLETE ) The absence of information for Transunion & XXXX in the " Two-Year Payment History '' section is Questionable and Inaccurate. If there have been payments or activities within the last XXXX years, they should be accurately reported. 

!!! THIS ACCOUNT IS ACTING AS A COLLECTIONS & CHARGE-OFF AT SAME TIME!!! 
XXXXXXXX XXXX IS ACTING AS A CHARGE-OFF, BUT AT THE SAME TIME GAVE MY PRIVATE INFORMATION TO XXXX XXXX XXXX , A COLLECTIONS AGENGY. THIS IS ILLEGAL I NEVER DID BUSINESS WITH NOR SIGNED A CONTRACT WITH XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan 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 with a balance of {$1100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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: Prepaid card

A month ago, I purchased several {$500.00} Visa gift cards from XXXX. XXXX of the cards ( the total : {$1500.00} ) were declined when I tried to use them at stores. I contacted XXXX about the issue, and the representative asked me to submit some documents required to issue replacement cards. I submitted them right away. It has been one month, and the replacements cards have never arrived. The case numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX {$700.00} XXXX  XXXX {$1000.00}
Product: Checking or savings account

I have made several attempts to cancel my account to no avail. 
I have been trying to cancel the account for 2 months. 
I have not been able to talk to anyone I have called several times, but no one is available to cancel, and never received a callback.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to deleted immediately : XXXXXXXX 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  XX/XX/XXXX
Product: Debt collection

I am disputing the amount NCC Business Services trying to collect. The amount submitted for collection is not valid. I sent dispute letter to NCC Business Services and NCC is ignoring my dispute request.
Product: Checking or savings account

Robinhood has froze my account. I would like to close my account and retrieve my funds and I can not make a withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have written letters to XXXX  and Equifax about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.
Product: Credit card or prepaid card

TD Bank failed to provide written proof of their ability to report non public information regarding my account to third parties. They requested I contact their collections department which I did and they never responded with any written proof regarding my complaint. 

TD is aware under law they can not pursue collection of any payments on accounts that are in dispute and I continue to get payment requests from them but they refuse to respond to my dispute with written proof of a response to my disputes.
Product: Student loan

Hello my name is  XXXX   XXXX , I 'm requesting your assistance with solving the problem that I have continued to experience with financial ai de and Coast Professionals.      In the month of  XXXX ,  XXXX  I inquired about a loan rehabilitation program to continue with my college education. I was told that I would have to make a large down payment and the n 9  consecutive payments to get my present loans out of default. In the month of  XXXX  I acquired a loan and made a payment of  XXXX  that was supposed to count a s 2 p ayments to  Coast Pro fessionals. I also agreed to {$33000.00} a month to come out of my checking account on top of {$400.00} a month that was coming out of my account for garnishment.     In the month of  XXXX  I was told that my payments were complete and I was cleared of the program. I immediately contacted  XXXX  and proceeded to continue my education, and began to take classes utilizing financial aid, on  XXXX   XXXX ,  XXXX , I received a call from the  XXXX  representative  XXXX   XXXX  stating that I was not out of default ( this is the same individual that gave me the go ahead and scheduled my classes ) and to get out of default I needed to start the nine month process over. Ive completed more than  XXXX  classes and was told that I could n't take any more classes for 9 months, and I now owe the school for the classes that I took at   XXXX   that financial aide did not cover.     I stopped working  XXXX   XXXX ,  XXXX , after the death of my father. I dont have any additional money to give, this is the second go round with the company  Coast Professionals, at he end of my payme nt term they see to come up with a reason to give them more money.     Due to someone 's error I ca n't complete my education. I sacrificed to give the money that was required of me now I 'm told that I ca n't continue because I was given false information. I contacted Coast Professionals again  XXXX   XXXX , I was told to send in the required documents again to restart hed process, again I followed their instructions, yet I ; m still havent received any help.     PLEASE HELP ME
Product: Money transfer, virtual currency, or money service

I am filing a complaint about cashapp ( Block , Inc ) due to in 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 decepted as if they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( efta ) and Regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for those violations.
Product: Debt collection

XXXX  company -Procollect XXXX XXXX XXXX XXXX My account was never supposed to go to collections. I was on a 90 day payment plan after I moved out of my apartment XXXX XXXX. I made my first payment of {$100.00} on XX/XX/XXXX. I made my final payment of {$400.00} on XX/XX/2022. My total balance due was {$500.00} This error has affected me renting an apartment due to fact of it being on my credit report. Ive submitted paperwork to ProCollect and Ive spoken to XXXX XXXXXXXX XXXX
Product: Credit card

For the Barclay 's Bank American Airlines Aviator Card - there is a website called American Airlines AAdvantage XXXX ( XXXX XXXX XXXX  ) where credit card holders can get extra miles for accessing vendor websites through this AAdvantage site first. 

The specific issue I am raising is in regards to how bonus miles are advertised for XXXX XXXX compared to the list of excluded products that aren't covered by the advertised bonus. 

1 - On the XXXX XXXX page, you see " Up to 4 Miles ''. To their credit, immediately below that, is an " Exclusions '' section where it makes it crystal clear which products are excluded from the " Up to 4 Miles '' promotion. No problem or complaint here. 

2 - Just another screenshot showing more of the Exclusions list. No problem or complaint here. 

3 - Problem/complaint. If I do a product search on the American Airlines AAdvantage XXXX page, it pulls up multiple results, including at least 2 results from XXXX XXXX that also include text in blue that reads " Earn up to 4 miles '', which is confusing because it makes the buyer believe that purchasing a XXXX XXXX through that link will possibly earn the customer upwards of 4 miles per dollar spent. I believe this is confusing and misleading, but not likely not intentional by the credit card company. I believe it's likely an automated process that needs to be fixed so that excluded products ( in this case - " XXXXXXXX XXXX XXXX XXXX are not associated with bonus mileage opportunities ). 

4 - Problem/complaint. If you click on one of the XXXX XXXX links from the XXXX XXXX XXXX, you first go through this transition page before reaching the XXXX XXXXXXXX XXXX There's text at the bottom that reads " Rewards not eligible on ... '' and " XXXX XXXX Products '' is again listed there. So again, it's confusing and misleading given what customers see in XXXX XXXX XXXX
Product: Debt collection

XXXX and XXXX are horrible and thieves, they have taken me to collections for furniture I never received, I never signed an agreement with them and it is bizarre and crazy that almost XXXX  years to the date of supposed delivery and purchase I was taken directly to collections never receiving paperwork or letters. Heres the full story back in XX/XX/XXXX I walked into a XXXX  and XXXX store and wanted to purchase a couch, I applied for progressive leasing and was approved but was told the couch was out of stock given XXXX  and delays in shipments. I left my personal information at the store located in the XXXX, NY. I never signed an actual purchase agreement. Fast forward to XX/XX/XXXX ( XXXX yr later ) I received a call from a gentleman claiming to be from XXXX and XXXX talking about a purchase done a year and how progressive leasing did not cover the purchase now imagine my surprise as ( a ) I never received merchandise ( b ) never placed an actual order ( c ) never received letters, emails nor a phone call in the year from XX/XX/XXXX to XX/XX/XXXX. I dispute this transaction and order and I was told theyd investigate, great. I follow up twice with the company and never heard back until this past XX/XX/XXXX when I get a notification from the credit bureaus about a collections account from the XXXX XXXX regarding a balance owed to XXXX and XXXX again surprised and in utter disbelief. I reach out to the collections agency and dispute the charge and of course no help! I reported to the credit bureaus and its under investigation. I asked the collections agency for proof and all I received was a copy of a supposed signed delivery receipt which is XXXX because its not my email nor my signature. I have been transparent providing affidavits of fraud, disputing the account and working with XXXX and XXXX and the collections agency to get this removed and resolved and its been XXXX. No resolution. This is theft as they are charging me for an account I never opened nor had, I am being charged and unlawfully taken to collections for a purchase that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My personal information was breached because of XXXX to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent XXXX, Transunion, XXXX several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/2023 second on XX/XX/2023, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for XXXX credit bureau to investigate, and nothing comes out of it.
Product: Credit card

Per my prior complaint that was lodged in XXXX that took this company over a month to respond with a XXXX poor pathetic negligent response whereby I still have not had my demand responded to in regards to request for a copy of the settlement agreement entered into back on XX/XX/year>. 
This company seems to have rude representatives that like to hang up on people and not be able to be factual or ethical. In addition, I am due by federal law a copy of the agreement which FIRST ACCESS HAS YET TO PRODUCE .... 

So then my question is, what is this organization hiding and why has it been over 2 months and i still havent received a copy of the settlement agreement to my home address?
Product: Debt collection

In XXXX, I paid a medical bill to XXXX XXXX for XXXX. Several months later, I received a debt collection letter from Central States Recovery attempting to collect XXXX for a debt that was not paid to XXXX XXXX. 

The transaction date was XX/XX/XXXX. The posting date was XX/XX/XXXX. I spoke with XXXX XXXX and they said that, yes, I paid it. 

For 10 months, I tried to get Central States Recovery to remove this debt. It has negatively affected my credit score. 

Finally, Central States Recovery told me that they contacted XXXX XXXX and were told that it had been paid months ago and should never have been sent to them. 

My credit was just run again ( XX/XX/XXXX ), and it shows that I paid the debt. But it has not been removed from my credit report. So my credit score still has not recovered and is still negatively affecting my family. 

I am going in circles with this company. I have spoken with XXXX or XXXX at least 10 times. They keep telling me that they can't do anything else.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date XXXX I am writing to request that you remove the child support information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 1 ), child support obligations are not considered " credit items '' and should not be included on a credit report.

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has stated that " child support obligations are not debts and should not be reported as such '' ( CFPB Bulletin 2016-01 ). 
Please remove this information from my credit report immediately. My account information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX Credit Report Number : XXXX Please confirm in writing that this information has been removed within 30 days.
Product: Debt collection

This Company, XXXX XXXX at XXXX has literally called my Phone Number hundreds of Times over the past year, 5 times just in past few days. They just recently asked per recorded message if I was a person I have never heard of & asked me to push a Number on my Phone, I did, indicating I am not that Person. This Company continues to leave Robo Calls. I owe no Debt!!!!! They need to Stop Immediately!!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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. 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 or other personal consumer reports

They charging me for a mortgage thats already paid for thought my trust account. I signed paperwork with XXXX XXXX  not with a 3rd party debt collection company name thats on my credit is pennymac I never signed with them.. They dont have the original documents.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX XXXX to Carrington Mortgage on XX/XX/XXXX. Carrington Mortgage is not reporting my loan to any credit bureaus. This is greatly affecting my credit score and my ability to obtain credit. I contacted Carrington Mortgage on XX/XX/XXXX and was told by a customer service rep that they were supposed to report to credit bureaus in May, but at that time they were planning to report on XX/XX/XXXX. I contacted Carrington again on XX/XX/XXXX, and was told they would have to get back to me.

I'm filing this complaint to hopefully resolve this issue of no/slow credit reporting for myself and future Carrington Mortgage customers.