23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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Product: Debt collection

To Whom It May Concern : This complaint concerns my Amazon store credit card account with Synchrony Bank, which became delinquent in XX/XX/XXXX. XXXX XXXX XXXX, XXXX alleges that they bought the account from Synchrony Bank, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. 

I wish to make the following points : I received a letter from XXXX XXXX XXXX, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my Amazon Store Card from Synchrony Bank ; On XX/XX/XXXX, I sent XXXX XXXX XXXX a requesting a copy of the sales contract, as proof of the alleged sale. 
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. 
I sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX again requesting a copy of the alleged sales contract. 
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my XXXX benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to experian about a fraudulent charge on my credit Report Number-XXXX. Account XXXX. I submitted a dispute. Within 7 days i got a response saying they found the charges to be accurate. I re submitted another dispute in writing about the issue and informed them that I was expressing my rights under fair credit reporting act, section 609 for them to re investigate the issues. It was reported to all 3 major credit bureaus. XXXX  and XXXX  conducted their investigation 's in around 26 days and concluded that they were fraudulent charges and an in accurate negative mark on my credit report and was removed immediately. Experian recieved my dispute and opened it and concluded it was accurate again. And it was on a weekend. They did not have time to conduct any type of real investigation. They are causing harm by increasing interest rates and higher down payments because they are to overwhelmed or not equipped to conduct accurate investigations like the other 2 credit companies. Or they dont have time because they have so many pending disputed because they allow un verified negative marks on consumers credit files. I requested verified documentation of the account being opened by me to be mailed to me if they can not neither I nor their agency are able to verify that it is actually an account opened by me with my signatures and they are unable to because it is a fraudulent account. And that they mail original copies to me and with names of people who they spoke with to verify that this is an accurate legit legal account opened by me. I have not recieved any response within 45 days except it was opened and closed with no explanation.
Product: Bank account or service

When I filed my XXXX Tax refunds direct deposit for IRS ( Federal ) and California Franchise Tax Board ( State ), I omitted the last XXXX digits of my bank account number. The bank involved is Bank of America ( BoA ). I contacted the IRS and BoA immediately after I noticed this problem but the bank is irresponsible and refuses to take any action even though they received my detailed notice and also the request from IRS. 
I informed the bank about my problem on XXXX XXXX, XXXX and notified IRS and California Franchise Tax Board on XXXX XXXX, XXXX. The bank representatives confirmed me that both deposit transaction slips ( for my tax refunds ) have my names on them and the amount matches with my tax refund amount. However to my big surprise, my tax refunds went into another person 's account with a complete different name. The bank should have rejected these XXXX transactions. The internal control of the bank is so bad that it does not review any transactions and refuses to correct the error even though they are informed about the problem. 
IRS sent out their request to retrieve back the incorrect deposited tax refunds on XXXX XXXX, XXXX through the XXXX XXXX XXXX XXXX XXXX by FAX, and the bank should have received the request immediately. However from XXXX XXXX to XXXX XXXX, BoA keeps telling me that they have not received any request from IRS and therefore refuses to take any actions to correct the error. On XXXX XXXX, XXXX, I was imformed by BoA that the bank did receive the IRS request on XXXX XXXX, which is totally contradictory to what the bank told me earlier. BoA told me there is insufficient funds left on that person 's account which received my Tax money. Therefore the bank can not fulfill the fund retrieving request from IRS. BoA should be responsible for this loss. 
I think that the BoA has a very bad internal control system. In addition, when I notified the bank about this urgent problem, the bank refused to take any actions and gave me misleading advice to just wait. This is dereliction of duty of the bank. It is really unfair. As a bank customer I feel very angry, and I want to take my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Payday loan, title loan, personal loan, or advance loan

I used LendingPoint to obtain a loan for {$15000.00} to pay for the cosmetic dentistry work. 
The loan terms were interest free for 2 years and the loan was initiated in XXXX. 
I made a few payments manually and then set up automated payments monthly, but unfortunately, I failed to set them up correctly and the automated payments were not made. After some time ( around XX/XX/year> ) I realized that I didn't have the payments reflected in my monthly account statements and I called LendingPoint asking whether they received any payment. The confirmed that the payments were not received. 
Meanwhile, I didn't receive a single email, letter, or phone call from the company notifying me of defaulting on the loan. 
When I tried to reenroll in the automated payments, the LendingPoint representative stated the loan had been sold tot he third party. It took another couple of months and weekly back and forth with the company to understand what happened as they initiated an internal investigation. Eventually, they confirmed that there was a mistake and my profile was marked as 'DO NOT CONTACT ' hence no communication received. I asked to reinstate the loan and automated bigger payments and they denied the request. It took them 2 months to give me the third party name ( XXXX  ), however, they still didn't provide me with the contact number. LendingPoint negligence and carelessness resulted in the severe damage to my credit history. In addition, they still haven't disclosed the new terms of the loan they sold to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.
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 Customer 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 Transfers 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, 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 right to privacy and confidentiality under 15 USC 1681. Account # XXXX  XXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XXXX XXXX  # XXXX {$1500.00} Account # XXXX XXXX # XXXX {$0.00} Account # 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 following items of information Any other adverse item of information, other than record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( 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

I was incarcerated in XXXX until XXXX of XXXX this account was opened in my name in XX/XX/XXXX before my release. I have provided all necessary documentation to credit bureaus a the company Capital One showing my proof of Incarceration at the time. Under FCRA laws 605 ( b ) identify theft laws .The credit bureaus did not block this information from reporting to my credit report, neither the required time length stipulated by law.The credit bureaus XXXXXXXX XXXX XXXX XXXX XXXXXXXX of which did a thorough investigation of this claim of identity theft nor proved to do it by the time length given by the FCRA laws. I have submitted FTC report, police report, identification, SSN number, proof of incarceration from Illinois department of corrections, and account information about when opened.
Product: Debt collection

This debt collector is XXXX. They started off by calling my parents nonstop. My father has the same name as me since I'm a XXXX. So they kept calling my dad telling him he owed them for a debt. Until eventually they gave him my social security number and realized he was the wrong person. This Thursday I was with my dad when they called him again twice, then immediately called my phone XXXX in a row from a different number. My father has already told them he is not the XXXX XXXX theyre looking for since it's not his social security number. But they keep calling him everyday nonstop to pressure him to have me call them. So they called both of us Thursday non stop until I finally answered. I was in court when they called. I told them I was in court and couldn't speak and their response was- " Are you at the XXXX XXXX XXXX? Were on our way there right not to file fraud charges on you. The company checksmart has evidence that you've intentionally defrauded their company and they're seeking a judgment. So we're on our way to you at the courthouse right now we'll see you there ''. So they're telling me they're coming to were I'm at, and that they're going to file fraud charges on me, and they're calling me and my parents non stop while we're at work, and threatening both of us. I've never in my life seem a debt collector act like this, knowingly calling my parents after my parents told them to stop, just to put pressure on me. And threatening to come to we're I'm at, and threatening to press charges on me. And this is for a debt they claim is from 2012. The Fair Debt Collection Practices Act prohibits this behavior. Especially since they're calling non stop, to both myself and my parents
Product: Debt collection

I received a call from XXXX on XXXX at XXXX from a lady who was beyond rude to me and over powering in regards to a payment that I've been unaware of. Upon her demanding a payment from me i explained how this nation is on a state of emergency due to Covid-19 and i am out of work so i can't pay today. However instead of giving me payment options she over talked me. From that point i asked to speak to the supervisor! A guy named i believe XXXX got on the line and I explained to him the situation thinking hell be more helpful but it was worse. I told him i want to discuss my options and he gets real loud and combative with me i responded " excuse me sir but as a costumer or a civil human being your not going to raise your voice at me nor talk to me like I'm a kid ''. This supervisor then states " your not my costumer and okay if your not a kid then listen ''. His rude remarks left me no choice but to thank him for the phone call and i let him know I will be taking further action. I reached out to my friend about this business to get more information and see how to file a complaint. She told me this will be the best route. To ensure the accuracy of mt statement i recalled the number and ask the male representative that picked up if i can have the names of the people i spoke with. He couldn't find me by my first and last name and told me i got two options, " Give me your social or I'm hanging up this call ''. I said well i don't feel comfortable giving my social but if i have to however can i have your name so i know whom I am talking to. He bypass that question and asks for my social once more and because i wanted his name he hung up in my face. I am unsure how to go about this situation and hope this review could lead me to accurate results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

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

I got scammed out of {$320.00} through cashapp they didn't do anything about it and cashapp double charged me from a Payment made back in XX/XX/2023 for {$170.00} almost 2 months later they charged me again for the {$170.00} again the first purchase was cleared but I end up getting XXXX to refund me because the order got delivered to the wrong address cashapp closed my account after filling a claim against them 4 months ago never heard from them or the attorneys the screenshot with multiple transactions is how I found out that cashapp took another {$170.00} I went from {$620.00} to {$490.00}
Product: Credit card or prepaid card

So I applied to American Express Blue Cash Everyday credit card. The promotion said " For the first {$2000.00} dollar spending in a U.S. restaurants in the first 6 months, get 10 % cash back ''. I spent {$1900.00} dollars in U.S. restaurants which is clearly marked in the " Statement '' section. However, only 1 transaction of {$17.00} was being honored as spending in a " U.S. restaurant ''.

I tried to contact the bank for more than 10 times. For 8 times, they opened a case for me and never responded later. For one time, they said that are facing technical difficulty and should be solved in 4 weeks which did not happen. 

The last time I contacted them, which was today, a supervisor was talking to me and telling me that all the transactions but one are being listed as " other purchases ''. It is very clear from the statement page that those transactions are being processed as " restaurant '' purchases, but I don't know how, from the customer service 's perspective, they are being processed as " others '', which would help them not giving me the cash back they should give me. ( And other banks like discover processed it as restaurant normally ). They said it has something to do with the tax ID the restaurants are using and the customer service asked me to check with the merchant if they listed themselves as restaurant which is an impossible task to do. Plus, I spent at several chain restaurant which they have very little odd that they register wrongly. It has been 7 months since the problem starts and they can not give me a satisfying answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have 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 written instructions
Product: Mortgage

In XXXX we found out we were expecting and at XXXX weeks, my life and my child 's were at risk due to an unknown health problem at the time. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. 

This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company ND HOUSING with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. 

{$8000.00} was XXXX XX/XX/XXXX. Catching us up. 
XXXX more payments were issued to ND in XXXX. See attached letter. 

ND Housing has consistently reported inaccurately if at all the last 4 years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. 

We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, Florida where the health care and heat ( weather ) better fit my health demands. 

We found a lender willing to work with us and we got almost to closing and ND housing had not been reporting correctly and now reporting something different again. XXXX from ND said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. 

Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in ND since you can't change jobs before buying. He will still there until we can buy, away from our family with 5 children and me with XXXX. I am the sole caretaker and I need my own caretaker. 

If ND Housing were reporting correctly our lender and us would have known before trying to obtain a loan.

The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny help. ND housing is paid in full and our family is separated and states away from each other. 

At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.
Product: Debt collection

I recently received a debt collection notice from Southwest Credit Systems LP. This was for a debt owed from XXXX and during a time when I did not have a XXXX account. After contacting XXXX they noted that the account was fraudulent, at an address I have never lived, and with a person/phone number that I do not know. This is now on my credit report and negatively impacting my credit, despite me never having this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.