23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Contacted XXXX Reported fraudulent Web site XXXX Reported Fraudulent Business operating illegibly to XXXX XXXX XXXX Contacted Bank to dispute over XXXX in withdrawal of funds They only had a phone number - no other information XXXX Contacted XXXX XXXX  XXXX ( company is in Illinois on paperwork ) NO evidence of amount owed or proof of debt Illegally filed in Arizona which violated FDCPA laws- State and Federal laws were violated as there is no Garnishment of Bank accounts allowed XXXX Contacted XXXX XXXX XXXX XXXX, AZ Superior Court Records Dates for case dated in XXXX  do not match case number on fictitious paperwork. 
NO such Judge or Clerk residing XXXX Contacted Superior Court Records department - Discussed inconstancy with dates in comparison to Case and paperwork Materials appear to be falsely used - Garnished Bank funds including Checking and Savings accounts Violated FDCPA laws- Violated the timeframe according to the Statute of limitations is deemed to have expired. 
The debt collector attempted to sue me on a debt where the statue of limitations expired- please have this dismissed!
Product: Debt collection

After repeated attempts to collect a false debt by phone, I was sent a collection letter dated XXXX XXXX, 2016. The letter was addressed to XXXX XXXX. There is no such person at our home address. The debt is for a cable bill incurred with XXXX XXXX XXXX. There has never been a XXXX XXXX account at our address. The cable provider for this address is XXXX XXXX XXXX. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connection with the cable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert from MyFICO.com that my credit score dropped XXXX points, then XXXX points, and another XXXX points per credit agency. 
MyFICO also indicated that a credit account had changed on my report. The account was for an energy company in Texas called XXXX. 
A quick investigation would clearly show that this account is not mine. I called XXXX XXXX times, on XX/XX/XXXX at XXXX AM and on XX/XX/XXXX at XXXX. XXXX representative stated it's under investigation. XXXX sent me my consumer report and noted that the error would remain as accurate. It is not correct or valid! And not accurate. My information indicates that I have never lived in Texas. My consumer report shows I'm currently a XXXX  XXXX in California. Not Texas. At no time in 10 years have I lived in Texas or even visited. The name on the account, per XXXX conversation, is not mine. They got the SSN correct. However, to obtain service from a so-called energy company, you must show a valid ID and other documentation to prove who you are. This XXXX XXXX ( XXXX ) is reporting incorrect information. It costs a measurable amount of time, energy, and money. I've yet to hear from the other credit agencies the results of my disputes.
Product: Mortgage

Hi, I got a letter from Ditech saying they were going to send some one to collect money in the amount of {$850.00} because of fees. I didn't even know I had fees because I pay my mortgage every month or every other week, in the case of biweekly payments. 

I signed up for biweekly payments from Ditech Financial starting on about XX/XX/XXXX and continued biweekly payments until XX/XX/XXXX. In total there were 43 biweekly payments. The first 18 payments were for {$780.00} each. The next 24 payments were for {$840.00}. The 43rd payment was for {$910.00}. 

I signed up for biweekly payments to pay down my loan faster. The company apparently however was holding onto my money and making payments every month. This was very deceptive and I just learned about it after XXXX them. 

In addition during the biweekly payment period I was getting charged late fees even though I was paying every two weeks. Right now I am in the process of communicating with Ditech about my apparent late payments, which they say ammount to {$850.00}. Each late fee was {$53.00}, so this amounts to 16 late payments.

Since my payments were being made on time every week, I had not looked in detail at my statements, where they were showing erroneously that I had late fees. 

The company Ditech Financial has since taken down the biweekly payment offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items doesnt belong to me And I would like them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts has Violated my Rights # 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 15 U.S.C. 1681 Section 602-A- States I have the Right to Privacy 15 U.S.C. 1681 604A Section 2 It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 U.S.C. 1681-Congressional Finding & Statement of Purpose Subchapter # 3 A-4 There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness. impartiality, and a respect for the Consumer Right to Protection
Product: Bank account or service

PayPal contacted credit bureau without my consent. I want to register a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2023, Equifax received a Signed and Notarized Affidavit of Truth by certified mail Ref # XXXX about Equifax reporting several inaccurate information on my credit report which is hurting my credit score. I have made several attempts to correct this information including sending a dispute on XX/XX/XXXXXXXX/23 which went unanswered. However, Equifax responded to my affidavit of truth on XX/XX/XXXX23 but sent a generic message claiming they could not identify me after I sent a notarized, signed Affidavit of Truth with copies of my identification as a social security card. According to the maxims of law and XXXX XXXX, an Unrebutted Affidavit Stands as Truth in Commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery ( PRA ) stated that they hold all required license to do business. Upon my own research I found PRA does not have a collection agency license in NV. I have asked Portfolio Recovery several times to show their license as their right to conduct debt collection activity in NV and they have not. They just keep saying they " hold all required licenses ''. 

This is a blatant lie and misrepresentation of facts in an attempt to collect a debt which is a violation of the FDCPA. Also pursuant to XXXX XXXX a debt collection license is required to operate and conduct the business of a collection agency. Portfolio Recovery is in noncompliance with FDCPA and NV state law. Covered persons are prohibited from engaging in any unfair, deceptive, or abusive act or practice '' in violation of the CFPA. 12 U.S.C. 5531 and 5536 ( a ) ( 1 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a property. The closing attorney paid off the balance with XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX still lists the balance as unpaid and filed a XXXX day late report with Transunion and XXXX. I disputed this fact. But XXXX XXXX reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from XXXX XXXX stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX WYOMING Please update my name to : XXXX XXXX My only social security number is XXXX I do not wish to have any telephone numbers on my report. Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely XXXX XXXX
Product: Debt collection

I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Product: Vehicle loan or lease

I filed a complaint that is closed. Mid Atlantic DID NOT provide the information I requested! They were rude, condescending, and unprofessional. Due to their lies in the previous complaint. I want the information Im requesting to be sent straight to you. I did speak to 3 people last night whom all were rude and unhelpful like today. Im being told they will not give me any information until I pay my loan in its entirety. That its LEGAL to repossess a vehicle at any time without any notice. Which I didnt have. And that since I have an attorney they can call for the information. This is just wrong and beyond unprofessional behavior!
Product: Credit card or prepaid card

I called and requested to disputes with Direct Express. They gave me a fax number in which to fax the disputes forms back to once I received them in order to get a provisional credit. They said I had 10 days from the date that I filed the complaint to get the forms back to them. I didn't even receive the forms until 10 days later on one of my disputes. The fax number they gave me to fax the forms to just ringing ringing rang. Or other times I tried it just was busy the entire time this went on for an entire day. I am XXXX and had to go to the library in order to fax the dispute forms. I even called Direct Express to confirm that I had the correct fax number and I did and I explained to the customer service rep that the fax didn't work and she basically told me that you know that it was my problem not hers and if that's the only fax number they have. I also explained to the customer service rep that they took so long sending me the forms that I didn't get it until the 10-day time period was up on getting a provisional credit. Again she basically told me that that was my problem and not hers. Here 's where I'm having trouble with this since they took their time sending me the form that gives them 45 to 90 days in which to investigate the dispute. I feel like they do that on purpose. Also I have to wait exhibited lengthy amount of time before I can even get a human being on the phone to talk about this stuff with Direct Express. I just want my money back is all. And she repeatedly be treated like garbage by Direct Express is unacceptable. I'm not some welfare witch who just lives off the system I work 32 years to earn the benefits I have I'm XXXX I have survived XXXX twice I've survived a XXXX XXXX I've survived a XXXX XXXX I worked 32 years to get my benefits. Direct Express has designed their system so they just drag out processes in order to get your money back to you when there's a dispute or something else like an unauthorized charge or something like that's done with your bank account. They've designed a show it's almost impossible to get a human being on the phone. The average person or should I say the average XXXX person that has to deal with this will just give up. Something needs to be done with the way Direct Express treats their customers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash APPs handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using CASH APP numerous times and reporting discrepancies My financial institution and Cash app failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that the tracking these transactions was unfeasiable.The CFPBs findings indicate that Cash app has only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX continue to report inaccurate information that is causing me harm. 

Transunion is reporting late payments for XXXX and XXXX while XXXX is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint to follow up the inquiry dispute process. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. Again, this action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate, if possible please REMOVE the inquiries in question. I never authorized such action and this constitutes a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : *XXXX* OFF LEASE ONLY XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received a flier in the mail stating that I had been approved for a {$2000.00} " line of credit. '' When I spoke to the representative it was explained to me that I could borrow various amounts up to the {$2000.00}. XXXX payments were broken up over each of my pay periods ( bi-monthly ). I borrowed {$600.00}. The repay amount seemed reasonable and I thought I would be finished with the loan in 3 months. It was not explained to me that there is a fee per {$100.00} charged each time a " Draw '' or borrow was made until later. I could not understand why it was taking so long to repay the loan. I contacted the company to inquire about it and that is when it was explained to me about the fee charged to borrow. The fee is taken off the top along with excessive interest making it virtually impossible to repay the loan. This was explained to me to be a " line of credit '' but the fees to borrow money and the interest on the money borrowed is misleading. This is not a " line of credit '' this is a " lifetime '' payday loan. The company is charging 299 % interest each pay period for each payment. Unlike a line of credit loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I booked a cruise on XXXX cruise line on a Barclay 's XXXX card. The cruise was paid off in the winter of 2019 pre covid. The cruise ( a transatlantic cruise ) was cancelled by XXXX due to covid and the cruise was moved to the XXXX transatlantic cruise, which was also cancelled. At this time I have requested and received a refund from XXXX XXXX line for the cruise. Unfortunately, they returned the money to the card that I purchased the cruise on - my now closed ( due to awful customer service ) Barclay 's card. Although XXXX processed the refund and I verified it, I can not find anyone at Barclays to help me get my money back. I've called at least half a dozen times just today to either be hung up on or put on terminal hold. They are sitting on money that is mine, and I can not find a single person who can help me get it returned.
Product: Payday loan, title loan, personal loan, or advance loan

15 U.S. code 1681e. requires that a consumer reporting agency prepares a consumer report shall follow procedures in order to assure maximum accuracy for whom it is reporting.

Upgrade has been grossly negligent to this responsibility and as a result I have been denied housing and additional credit occurred. Grossly lowering my credit score.

Currently there are inconsistency on my credit reporting across the three Bureaus. 1 bureau has me 120 days past due and another 180 days past due. Upgrades person records on my account has me 312 days past due. 

This gross and inaccurate reporting has affected my lively hood in a negative way.
Product: Credit card or prepaid card

On XX/XX/ Kikoff suspended my card without any explanation and I just had my paycheck deposited and no one could not help me their only explanation is to send an email. I have bills and I know they cant hold my paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent about an hour on the phone with XXXX  trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
Product: Credit reporting or other personal consumer reports

l am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reporter the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and was taken aback by the unsettling findings therein. My scrutiny revealed the presence of late payments, which, in accordance with established regulations, unequivocally should not be part of the recorded credit history. Below, I have detailed the specific discrepancies for your reference : Account Name with Late Payment ( s ) : XXXX Date ( s ) of the Late Payments : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account Number ( s ) : XXXX I assert the following based on applicable legal provisions : the law unequivocally stipulates that late payments must not be included in my consumer credit report.
Product: Debt collection

On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my Citi bank credit card. The have been repeatedly continued. I attended to Citi Bank branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.