23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

syncb/gap charged off my account for XXXX dollars while I had already paid XXXX this shows on my credit report and this is from 2010. They put a judgement on my record disabling me from getting a job without my knowledge. I had received a summon and responded to it in the mail that I paid this debt and closed the account. since the collections company is in business with the judge they still disregarded the letter and put the judgement. The collections company will not provide me with copies of statements showing that I paid what GAP wanted me to pay in order for me to close the account. They stated that I need an attorney to call them to get the records. Attornies do not call debt collectors. The debt collector is XXXX at XXXX and XXXX and I have received threatning calls from them stating that they will put a lien on my house. After further research I discovered that they have a court date to move this case to a different district which may be corrypt so they can further put a lien on my house. How can there crooked people get away with this - so GAP charged off XXXX then sold the debt to thes epeople plus made money on my XXXX which they will not disclose? This is outright fraud! So they are using my social security number and they will not send me my own statement, putting the legal system in front because they know that it is corrupt? I sent letter to GAP and Sync bank and noone will respond becaus ethey think that in front of a corrupt judge they can get away with pulling this off? The court records show that they are trying to move this to a different disctrict number XXXX. I talked to a XXXX at XXXX and I asked for the records and she stated that I need the attorney to call them for my records from 2010! ~ I want my GAP statements from 2010 showing my history and payments! My number is XXXX or e-mail XXXXXXXXXXXX XXXX name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2900.00}
Product: Credit card or prepaid card

I was told by my discover card that upon their investigation that it was not fraud on my account, but the only thing that they base their facts upon is the facts that favor them. When i submit my facts to the company via fax, mail, email, by phone the company does not take them into consideration, they reply with things that favor them, as if they don't even look at my documents.

I was told that upon their investigation that the physical card was used 4 times near my residence on XX/XX/2016 but i am saying that i never used it and it was physically impossible for me to use it because i was in a different state at that time. If someone used my credit card, I do not know who it was, and its up to police and Discover Card to find out but to blame the charges on me is completely wrong.

I am sending proof of a airline company ticket that, not only the fact of me purchasing it, but the one that states that i actually boarded the plane and flew to another state, its an official proof that has confirmation numbers from XXXX. So if I was in one state and purchases with my credit card were made in a different state- thats fraud, that i as a customer is not responsible for.

I am also sending proof of an official receipt from a Limousine company that i was picked up from a hotel and dropped off at a studio for work in XXXX, WI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I file a complaint against Equifax to complain about the constant mishandling of my file and the rude and discriminatory treatment I receive from its employess Equifax restricts my access to be able to view or dispute inaccurate information in my credit file. 

They continue to take my rights away to view my credit information. I have to sit on very long hold times and have to be dealt with in a very disrespectful and rude manner. Equifax send a generic response to call a certain number but I never receive the level of service I deserve as a consumer.
Product: Debt collection

Collection was opened XXXX XXXX amount {$1800.00} Collector Midland Funding LLC original creditor 01 XXXX  XXXX XXXX A Account Status with XXXX  says Open
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX and remove 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 few Personal credit card accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. 


CFPB RESOLUTION : What would be a fair resolution to this issue? ( demand for relief ) : I demand the credit reporting agency do what is fair and equitable and remove the following accounts based on federal violations.
Product: Bank account or service

I have a money market account with an online bank called AmTrust Direct ( part of New York Community Bank ), and I would like to close it. I wrote the bank XX/XX/XXXX asking them to close the account and send me the balance. I have heard nothing. I called them on XX/XX/2015 and spoke to someone named XXXX who said he could see that the bank had received my letter on XX/XX/2015, but the account had not been closed. He said he entered a request into their system to the online banking department to determine the status of my account closure request. He took my mobile phone number and said the online banking department would call me. I have heard nothing further from the bank and have not received a check for the balance of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified all three bureaus that I am a victim of identity theft
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 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: Money transfer, virtual currency, or money service

To whom it may concern, I XXXX XXXX  would like to field a complaint against cash app Corporation on the Technicality of the allegations of me Gambling against their policy I have asked cash app to XXXX the person or the company of which they have received proof of me XXXX  against their policy in the rules that I XXXX XXXX  has disobeyed and/or has broken any company conduct cash ap at this time can't equipped me with information or facts against this Allegations that I have been accused of I have spoken with a XXXX of cash Ap customers XXXX  and the only thing they are tell me that I XXXX XXXX was found guilty of going against their policy and that I XXXX XXXX has been permanently barred from using or obtain I asked cash ap is their anyone I can speak with on this matter and I was told no at this this cash ap hasn't shown me or given me the opportunity to prove my innocence so this is why I'm reaching out to XXXX  for support concerning the accusation against me is false and incorrect and if any of these policy against should be removed.. Thank You for Your time in support sincerely XXXX
Product: Money transfer, virtual currency, or money service

I have a negative balance in my Google pay. I do know know who is responsible for it, I have never borrowed money from Google I always pay with one of my debit card. You can check my history of payments over the years I have been playing games. I don't know who might have done this or how. I have been telling y'all this for over a year at least. I no longer make any purchases for my games because this negative balance. Please check my payments from many other times u can see I always pay with one of my debit cards. I have never been given any money r borrowed money from Google pay. Please get this straightened out. I am getting very upset about this because I have addressed this issue many times with Google. I will not pay for a balance I'm not responsible for. I will no longer play any games r make anymore purchases. I have spent XXXX of dollar in Google why would mess that up I am a daily player and have been for years. You can look at my history of payments and it always payed with one of my debt cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting an FCRA violation on my credit account with XXXX ( See attachments for account ). XXXX XXXX  XXXX This is a violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my credit report is evidence of that claim. Please see attachments for screenshots of reporting account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural person without having any help by a third party am horrified that I have been requesting investigation results, audit trails, and information for years now, to validate the accuracy and validity of the alleged debts being reported on my credit file. I have sent certified letters requesting all information used to " verify '' with no response. I also had to send in letters and identification to validate my identity several times because they kept using the stall tactic that they could not validate my identity in spite of faxing and mailing my drivers license and social security card several times. Regarding the disputed items they are reporting, The Consumer Reporting Agency EQUIFAX has only told me they are verified, which they can not do as I am the only one that can verify them. Furthermore, EQUIFAX has been provided proof ( pictures of each account with all credit reporting agencies ) that they are reporting differently with each CRA, which means that they can NOT be accurate if there are discrepancies, yet they have not deleted them as the law requires. I am tired and suffering with their notations and games of them changing the information around instead of deleting as guaranteed by my consumer rights.
Product: Money transfer, virtual currency, or money service

While coming into this location today I entered trying to pick up a XXXX XXXX. The representative was immediately rude " XXXX '' I believe was her name. She told me I needed two forms of ID in which I informed her I was just at that location and helped two days ago by the representative sitting right next to her. She immediately started to have an attitude putting her hands up as if to tell me to XXXX XXXX then literally telling me it doesn't take all that. I told her she was being rude and she continued a banter back and forth which led to a full argument. She began to tell me that she was going to look into the records to find out where I lived. As I left I told her she was rude and that she walked in the store through the door like everyone else to emphasize we are all human beings and she then to go back and forth calling me a " XXXX  '' word repeatedly and saying she was going to find out where I lived. I perceived that as an immediate threat and breach of consumer records and I told them I was calling the police which I did. The manager did nothing to tell the worker to stop cursing me out and threatening me and she then told me to leave the store even as her employee was cursing me out in which she sounded as if she was on drugs or drunk. I found this even more frustrating as I called the customer service line and had the operators bounce me around to random voicemails and claimed no supervisors or managers were available. I have never been spoken to in such a way. I informed the manager that I would be reaching out to have the corporate offices pull the audio and video. When I asked the manager if the cameras also record audio the manager refused to answer the question and allowed the worker to continue to rant at me and call me a " XXXX ''. I can not believe I had my life threatened and a worker flat out say in front of her manager that she was going to go into the records to find out where I lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion not reporting rent history that they do for others when requested fair housing act FCRA violations see attachments for proof of history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC. 

Account : XXXX XXXX XXXX, violated my rights.

15 U.S.C 1681 Section 602 A. States I have right privacy.

15 U.S.C 1681 Section 604 A Section 2 : its 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 of information, other than records of convictions of crimes which antedates the report by more then 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 know or a has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, Equifax has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to Equifax, including FTC reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, Equifax has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire Equifax credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

Equifax 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and Equifax 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, Equifax 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule XXXX XXXX XXXX XXXXXXXX ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, Equifax is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded Equifax 's deviation from the documented dispute process outlined in my submission, Equifax has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure Equifax complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by Equifax, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

Assurance that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner may necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I went to the er back in XX/XX/2013 and had medical treatment done.I didnt have insurance at the time, but got insurance two months later.The treatment was done at XXXX XXXX, in XXXX colorado.I checked my credit score and noticed i had a XXXX bill in collections from aargon collection agency.Since 2013 i have not received or been notified by either the hospital or the collection agency.Or had the opportunity to try and pay the debt.My insurance was willing to retroactively go back and pay it..but being that they havent tried to contact me for 5years my insurance wouldnt.
Product: Checking or savings account

Bank of America dented my account - {$880000.00} in XX/XX/2021 after I asked them to close my account..which they did not do for almost a full month and said they could not verify m identity knowing I have ID theft and in so doing, kept me from receiving my Unemployment Benefits. My Child Support is sent through the mail and takes an extra week to receive. They purposely charged overdraft fees and told me they " Gave up a long time ago trying to figure out how people steal from each other '', when I asked him about unauthorized checks that were written on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for an account with grain technology and was approved. My issue started around XX/XX/XXXX when they sent an email stating that my bank account connection was lost. I tried everything as far as reinstalling the app, checking for updates, trying to remove my bank account and re-add it to the app but none of it worked because I could not get access to my account on the app. Between XX/XX/XXXX and XX/XX/XXXX i tried emailing and calling them multiple times. It wasnt until XXXX XXXX, XXXX that I received a response back from the company but they provided information that was of no help to my issue. I called many more times to try to just pay everything off and close the account but their line said there were no available representatives. XXXX XXXX i checked my credit report because I was getting ready to look for a home to rent, and i noticed that Grain Technology reported XXXX late payments, with the last payment being on XX/XX/XXXX which made no sense seeing that I received an email in XXXX of XXXX saying my bank account was disconnected, so i was confused at this point. This company does not have a customer service number and have ruined my credit as well many others who have left app and XXXX  reviews for this company.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft and a Fraudulent Account has been opened in my name. I disputed with the creditor directly XXXX XXXX XXXX ) ; they opened an Investigation and found that the account was opened by fraudulent means. I was sent a letter ( Attached ) from XXXX concluding the investigation and providing the results. They stated that they ( XXXX ) will be notifying the bureaus of the Fraud and Deleting the fraudulent account. This was not done, so I took the letter that was sent and disputed the account via Experian. They still have the account listed as mine, even though it has been shown that XXXX is not holding me responsible. I have disputed this 3 times already with Experian, all to no avail.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and it is showing fraudulent accounts.Please remove these accounts as they are hurting my capability of obtaining good credit.Thank you.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with a dispute for consumer reporting agencies- XXXX, XXXX XXXX Experian. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).
Product: Mortgage

I requested a payoff quote and received the amount along with instructions for paying off the mortgage. Following the instructions, I wired the specified amount, but the wire transfer was rejected and reversed back to my account. 

Afterward, I tried contacting their customer support, but their virtual assistant kept disconnecting the call, insisting that all services could be completed online or via a live chat agent. When I connected with a live chat agent, they directed me to email their research department. 

The research department responded with technical explanations, apologized for the inconvenience, but failed to provide a clear reason why the payoff amount wasnt accepted. As an alternative, I attempted to pay additional principal through their website, but the platform only allowed payments up to 95 % of the mortgage amount. I paid 95 % of the amount, but this payment was also rejected and placed into " unapplied funds. '' When I reached out to their live chat agent again for clarification, I still didnt receive a satisfactory explanation regarding the issue or the rejected payments. 

I can provide the proof of these allegations if needed.
Product: Payday loan, title loan, or personal loan

I brought a car online with carvana on XX/XX/2023 with a down-payment of XXXX dollars, carvana took out XXXX dollars out my account, they said they would return my XXXX after the 7 day money back guarantee, and 10 to 15 days in a check that will be sent to me.Thias will cause my checking account to over drawn, i have bills to now, i can not wait that long for money to come in a check, they need ach my XXXX dollars today, if carvana cause my account to be over-drawn they will be responsible for the fees.