23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Hi recently paid off my loan to BarclaysUS ... I did this online for the amount of {$4500.00} and selected to pay off loan and was given a payoff amount, so I paid off the amount. This morning at XXXX XXXX  I receive an email stating my loan paymnentin the amount of {$150.00} is due on XX/XX/2019. 

So I called and spoke to Ms. XXXX and was told that I had to go online and stop the auto pay and that it wouldn't do it itself. I told her that it wad my intention to pay off the loan and that amount was the payofff amount I was given online. She said I have a balance of XXXX cent. XXXX cent would cost me {$150.00} until I paid my loan in full! 

I don't believe this business practice and need help to fix this. 

Barclays XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today I called Experian at XXXX XXXX. I spoke with XXXX. I informed XXXX that I am disputing the results provided for my previous disputes as an Investigative Consumer Report had not been conducted. XXXX was very admantly telling me that Experian DOES NOT conduct investigations regarding disputes, they simply reach out to the companies that a consumer submits and the company is to conduct the investigation. I advised that this is a violation of FCRA and FDCPA as every credit reporting agency must conduct an Investigative Consumer Report which includes interviewing family, friends or associates of the person disputing the reporting. Again XXXX was admant that Experian in no way shape of form interviews anyone regarding accounts. THIS IS IN DIRECT VIOLATION OF FCRA and FDCPA and I demand that all accounts that I have previously disputed be updated to show as PAID AS AGREED since it is clear that Experian is not abiding by the laws set fourth. Also I am requesting {$16000.00} in damages as XXXX has advised that Experian will continue to violate the law and not update the credit reporting or conduct a proper investigation. I called using number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of bogus items I discovered on my Creditreport is below 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 Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$600.00} XXXX XXXX XXXX XXXXd XXXX XXXX, XXXX Balance {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Balance {$180.00} XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Bankruptcy 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 XXXXXXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, as they are hurting my ability to purchase a car or home.
Product: Money transfer, virtual currency, or money service

Multiple transactions I tried to fix amounting to XXXX  of dollars not refunded
Product: Credit card or prepaid card

Ive had american express credit card since XXXX. I joined XXXX in XXXX i started the process for SCRA benefits  with american express on XX/XX/XXXX. I completed the process and application was sent. Told me would take up to 60 days. I received a Ietter by mail that my benefits had been approved. Waive late fees, waive over draft fee, waive annual fee but nothing on capping the interest rate at 6 %. i message back on XX/XX/XXXX and saw that my interest went from 14.99 % to 14.49 %. I then proceded to call american express on XX/XX/XXXX, XXXX they told me my SCRA benefits have been approved and that a letter by mail had been sent to me on behalf of my benefits. I told them i got the letter but my rate should be no higher then 6 %. So we resubmitted the application. On XX/XX/XXXX i message again just to see if my rate had been adjusted and i was told i had to wait 60 days because i had submitted application on XX/XX/XXXX. I message again on XX/XX/XXXX for my interest rate and notice it went from 14.49 % to 12.99 % so i proceed to complain about the situation. I requested that someone for high position call me. I received call from an american express employee and we had a 29 minute conversation on how they cant lower my interest below 12.99 % she said they already brought it down from 14.99 % to 12.99 % and thats the most they could do.
Product: Credit card or prepaid card

I'm trying to file a dispute against a merchant, XXXX for a purchase on XXXX, in the amount of {$98.00} that the merchant itself isn't taking care of and neither is barclay. I've tried to dispute first with XXXX because the order was some how lost and I've cancelled and they wouldn't, then I've tried to refund since it's misplaced and not delivered to me, no one is helping. I've then tried contacting barclay and they won't even help. Due to this XXXX, XXXX  generation of employee 's and incompetent companies, I have to come to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and unverified information on my credit report to defame my character and this is affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Companies have failed to do 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

Financial institutions covered by the XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I have no prior notice written or verbal notification from Equifax XXXX XXXX that information was being placed on my file. I was not given notice. If so, Please provide every notice and agreement immediately. You did not make legitimate attempt to notify me of debts be fore place them on my credit reports. 
( e ) 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. Please provide with in 15 days of the information and documentation and process that was used to valid this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my York County Record, it says i have been confined for 90 days to 3 years than re sentenced to probation that is false i wasn't in prison at all i was on probation didnt pay my cost than re sentenced to probation. This is out of control this makes me look like a bad criminal. I wasn't ever in jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Granite Bay Acceptance Co of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This company has made several unsolicited and unauthorized checks of my credit over the last year. I live in Ohio, this company is in California. To my knowledge, I have not conducted any business with this company at any time. I have not applied for any loans or financing from this or any other company during the last 12 months, and have received no letters denying me credit with this organization as the financier, and therefore deem their inquiries as illegal. This regular checking of my credit has caused my credit score to drop, which I found during my regular annual review of my credit reports. 

They illegally checked my credit on XX/XX/2020, XX/XX/2020, and again on XX/XX/2020. I contacted them by email to find out the purpose of their inquiry, and to request they cease and desist, and have not received a reply. I do see upon XXXX search that there is existing litigation against this company for allegedly violating consumer privacy laws by checking credit and selling the information to third parties, and fear that the same may be occurring with me.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against XXXX XXXX XXXX  Complaint Summary : XXXX XXXX XXXX  has engaged in unfair, deceptive, and unlawful practices by illegally selling a debt that was neither properly validated nor legally transferred. Additionally, the company continues to report inaccurate and unverifiable information to credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of Complaint : 1. Illegal Sale of Debt : XXXX XXXX XXXX  purportedly sold the account without proper documentation proving ownership or legal right to transfer the debt. 
There is no chain of title or forward flow agreement provided to confirm the legal transfer. 
2. FCRA Violation - Reporting Inaccurate Information : The account is still being reported on TransUnion under Resurgent Receivables LLC without verification of ownership. 
The original creditor should no longer be reporting once a debt is sold, yet XXXX XXXX is still involved in the reporting process. 
XXXX. FDCPA Violation - Lack of Proper Validation Prior to Collection : No proper debt validation was sent before transferring or selling the account. 
Debt buyers have an obligation to notify consumers and validate ownership upon request. 
4. Failure to Provide Required Documentation : Despite multiple requests, XXXX XXXX has not provided proof of an agreement or signed contract between the creditor and the consumer. 
No final billing statement, charge-off statement, or payment ledger has been disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Repeated calls continue from this company, they are calling my relatives for being 3 days past due. Needs to stop. I have placed a complained before and they continue doing it. They call 5 - 7 calls per day on my phone and wife 's phone. I am making my payment each month, not on time however, never past 30 days, I asked for help before they did not do what they say they would. They just want to make sure they numbers look good that's all.
Product: Consumer Loan

PNC bank Harasses me daily XXXX times a day to collect a debt within the 10 day grace period they provide even when told by me the debtor I will pay before end of grace period stop calling me I have new born baby sleeping, I shake with anxiety every time they call. PNC bank makes it near impossible to change owe date to middle of month for I the debtor to be on time while they take extra percentage rate.
Product: Credit reporting or other personal consumer reports

Synchrony Financial has been paid in full on account ending in XXXX. This was for an HVAC system. I've disputed this with the three bureaus, and they've updated my XXXX file, but my XXXX and XXXX file still shows a balance owing of {$3800.00}. I was told to wait until my account was paid and updated and a new statement was generated, but that has happened for XXXX and my XXXX and XXXX file still remain incorrect.
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. 

I told the XXXX and Transunion to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX opened a account online for someone using my information. They then sold off the account. I ask for proof of owner and verification they informed me that they didnt own the account so they couldnt send me copies of the contract showing my signature or the information listed on the account. However they insist on reporting to the credit agency. Even though they dont own the account, nor can they produce any documentation. TransUnion refuses to remove the information from my report even though I have shown proof that the owners of the account states they arent reporting this to the credit bureaus. Was told theyre not obligated to assist me. Nor are they obligated to look at the document I sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I am an US citizen studying XXXX XXXX at the XXXX XXXXXXXX present. I am low-income, XXXX, with XXXX foster kids, and a XXXX business ( Screenwriter ). Yesterday there was a remote meeting with the the XXXX XXXX in XXXX. He advisesall US citizens to leave XXXX.I have problems checking my credit report and score from XXXX, XXXX  ( even throughXXXX ), as the credit cards issued by the XXXX  banks will not work in the US and I need a credit card. I have mailed in all the copies of my documents as per their instruction on the site, but they did not answer. All my accounts should be closed and in good standing. I have the latest report for XXXXMy FICO XXXX scoreshould be around XXXX / XXXX of XXXX ; PLUS of XXXX XXXX / XXXX of XXXX. When I return to the US I have to be sure that all my accounts are in good standing and my score is high.I also have all the personal information on people who know my SSN.What should I do in this situation? I would highly appreciate you kind help with this matter and prompt reply. Sincerely,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i received XXXX credit alerts that my credit was pulled by XXXX institutions. 

XXXX XXXX XXXX XXXX  I did not authorize these credit pull to my credit report and requested that they be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXSELF ( XXXX XXXX XXXXSelf Lender ) for reporting multiple inaccuracies regarding my account. These inconsistencies are misleading and damaging to my credit profile. 

Company Name : XXXXSELF ( XXXX XXXX XXXXSelf Lender  ) Company Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Inaccuracies in Reporting : 1. Conflicting Account Opening Dates Across Different Credit Bureaus : One credit bureau reports the account was opened on XX/XX/XXXX Another credit bureau reports the account was opened on XX/XX/XXXX This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires accuracy in consumer reports.

2. Contradictory Payment and Account Statuses : The account is reported as Current and Closed at

the same time. One report states 60-89 days late, but another shows Current. This creates confusion and is a clear violation of 1681s-2 ( a ) ( duty to furnish accurate information ). 3. Inconsistent Closure and Charge-Off Dates Across Different Credit Bureaus : One credit bureau states the account closed on XX/XX/XXXX, with a last payment on XX/XX/XXXX. 
Another report marks the account as charged off as bad debt and a profit and loss write-off.

An account can not be closed and charged off simultaneously. This violates the FCRA and creates misleading reporting.

Applicable Laws Supporting This Complaint : FCRA 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) FCRA 1681s-2 ( a ) : Duty to Provide Accurate Information ( Bureaus are reporting different dates ) FCRA 1681s-2 ( b ) : Duty to Investigate Disputes Consumer Financial Protection Act ( CFPA ) Prohibits Deceptive and Misleading Practices 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) 1681s-2 ( a ) : Furnishers must report accurate information 1681s-2 ( b ) : Duty to investigate disputes