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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting or other personal consumer reports

Navy federal credit union XXXX  year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with XXXX. Navy Federal is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXX XX/XX/XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Product: Checking or savings account

New account opened with BofA. Card stolen from homeless shelter and BofA wont address fraud XXXX put a hold on a U.S. Treasury Social Security check of {$2600.00} until the XXXX. They show I withdrew cash on at least XXXX occasions ( XXXX and XXXX dollars ) which is fraud. They refused to give me money, hold on money, and wont close account until the check of XXXX clears which is ridiculous! All Ive gotten was {$6.00} from my account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A review of Shellpoint CRAs XXXX reporting of Account shows copious payments made on time not being reported. Borrower has made several requests for Shellpoint to correct CRAs reporting in XXXX. 

XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

XX/XX/XXXX was wrongfully interfered with by Shellpoint on multiple occasions by order of a Shellpoint employee. 

In XX/XX/XXXX no payment was made. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Shellpoint wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Shellpoint wrongfully interfered by manipulating Account. 

In XX/XX/XXXX no payment was made. Request for loan modification made. Loan modification granted. Began pre-loan modification agreement. 

In XX/XX/XXXX, XXXX made the first payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the second payment on XX/XX/XXXX, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the third payment on time, in agreement with the loan modification agreement. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the fourth payment on time, in agreement with the loan modification agreement. Shellpoint sent Borrower loan modification agreement without the agreed-upon deferred principal balance. 

In XX/XX/XXXX, Borrower made the fifth payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX through XX/XX/XXXX payments to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Borrower waited on loan modification agreement from Shellpoint. 

In XX/XX/XXXX, Borrower made the next payment on time, in agreement with the loan modification agreement. Shellpoint attributed XX/XX/XXXX payment to Account on XX/XX/XXXX. Shellpoint sent Borrower the correct loan modification agreement. 

In XX/XX/XXXX, Borrower made the payment on XX/XX/XXXX. Shellpoint CRA reporting shows No Data Reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I and my wife have a collection account ( reported by XXXX XXXX XXXX - XXXX ) in our Equifax Credit report that we have disputed as incorrect. This letter is to establish the facts with the supporting documents and request CFPBs help for the removal of the collection account from our Credit reports. 

We stayed at the XXXX at XXXX XXXX XXXX  at XXXX, MA for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 

We have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 

Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( XXXX ) is not the same. 

The apartment management sent a demand notice claiming the unresolved maintenance issues as damages and the rent until end of notice period ( Total amount {$1500.00} ). We responded thru our attorney with the above facts for the demand notice sent by the apartment management. However, the apartment management did not respond and transferred our account to collection agency XXXX, who have reported the collection account to Credit bureaus. 

We disputed with Equifax credit bureau and they sided with XXXX and refused to remove the collection account since XXXX informed them that we need to pay. 

The collection agency XXXX did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. The demand letter from XXXX also increased the amount ( {$2200.00} ).  XXXX did not accept any reasonable resolution in our interaction with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep contacting transunion to get my report to correct there error company won't respond
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.

Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Checking or savings account

On XX/XX/XXXX I deposited 2 {$1000.00} XXXX money orders via the BOA mobile App into my checking account ending in XXXX. On XX/XX/XXXX my account was debited for both of the checks by BOA claiming that the checks were duplicates. Today I made a 3way call with XXXX # XXXX of BOA and XXXX XXXX of XXXX. XXXX advised that the 2 money orders were Honored and paid on XX/XX/XXXX. BOA claims that the funds were returned but XXXX has not received the funds and BOA refuses to provide any proof that the funds were returned to XXXX so that XXXX can then send me replacement checks to deposit. BOA also claims that the funds were debited because the money orders are not able to be deposited via the mobile app but this is not true. I have attached copies of letters from BOA clearly showing that their response is not true. The reason for the debit as indicated in BOA letters is Duplicate Presentment yet they claim they have no record of the letters. Both XXXX and I believe that BOA has the funds and they refuse to credit my account or provide proof otherwise. Tried to speak with Supervisor but unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was stated my report has been updated, I received no proof such as a credit report which the company usually sends to me if something has been fixed, changed or updated. I also did request a copy of my report showing proof my credit profile and report was indeed updated. its been over a month and I have still yet to receive anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines
Product: Debt collection

My family members and myself received threatening calls and voicemails saying they were taking me to court in XXXX XXXX ( which is in Arizona and they called from an Ohio number ) and filed an order for location. They gave me a fake case number which didnt pull up anything with the county public records. I called the number they left and they didnt offer any disclaimer or gave me my rights. They just said legal when they answered the phone. I asked if this was a debt collection agency and they said no so then I asked the attorney they work for and the lady started to talk about personal information without verifying who I was. They werent telling me who they were. I told her I wasnt going to discuss personal information nor would I verify my personal information if I didnt have all the company information because i felt like this was a scam. I asked her to not contact me or my family members again and she said see you in court, XXXX.
Product: Prepaid card

cashapp has been having problems with they app & yesterday they logged me out of my account. i can no longer access my account or my money that i had stored on there. after contacting the man repeatedly i was told there was no account found but i was able to pull {$20.00} off the same card connected to the account.
Product: Credit card

On XX/XX/year> I turned off autopay and made a payment manually on XX/XX/year> and policy states 3 days before due date is exceptable. My payment was due XX/XX/year>. They continued to withdraw another payment XX/XX/year> and sent an email notification of debit failure from my checking account and charged a return fee on XX/XX/year> and returned the fee on XX/XX/year> to the credit card after my complaint with an over the phone conversation. At that point the 2nd payment had already been withdrawn and here on XX/XX/year> their only reply the 2nd payment is scheduled for return XX/XX/year>. This checking account is my only income source from SSXXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, ( XXXX XXXX. ) never gave ( Comenity Bank/Victoria XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Comenitybank/victoria ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : ComenityBank/victoria XXXX
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. 
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
LVNV FUNDING LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion.

This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities.

This is also a NOTICE exercising my rights to prevent the processing of my personal data by LVNV FUNDING LLC.

Please be advised that providing a memorandum or other statement from your agency, stating that LVNV FUNDING LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report.

PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I as a loyal patron of Capital One am grieved financially and emotionally due to not having a timely access to my funds. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account I did not authorize on my credit. I also gave them a police report. I asked how this happened and they gave me no answer. They said that they would do an investigation and that it would take 30 days. It has been beyond 45 days and I have not receive anything. This is illegal and against Fair Credit Reporting Act. Please remove the accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I wrote a letter to Experian disputing information on my credit report. This is a letter that I sent to them. The item : Chapter XXXX US Bankruptcy Court, XXXX XXXX, TX, Reference # XXXX which I am disputing was not verified properly. On XX/XX/2019, I visited the United States Bankruptcy Court XXXX District of Texas, XXXX XXXX Division and met with clerk XXXX who reported that his office was never contacted by Experian or any of there representatives. The resulted information that Experian provided to me also had an incorrect address. The address provided by Experian was XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I received a letter from Experian stating that the information that is on my credit report is correct and that they will not change it. They told me that it was reported to them by XXXX XXXX and I attempted to contact them at XXXX with no luck.
Product: Credit card or prepaid card

The visa " gift card '' I purchased to specifically use for an online purchase was declined. When I contacted customer service, I spoke to  XXXX . I asked him as to why, I was informed it was because the card was not registered. I then hung up and went to register the card. I then attempted to make an my online purchase again. The card was declined  XXXX  additional times. I called customer service again and I spoke to  XXXX .  XXXX  informed me that it was because the company I was trying to make my purchase with was flagged. I asked  XXXX  what does that mean?  XXXX  said that Blackhawk was investigating that company. I then asked  XXXX  if there was certain businesses that Blackhawk refused to do business with, why was it not plainly written on the package upfront so the consumer was aware. He could not answer my question. I then asked  XXXX  to put me through to his supervisor. Af ter 15 mi nutes of waiting, a supposed supervisor by the name of  XXXX  came to the phone. I posed the same questions to him.  XXXX  told me that Blackhawk did not do business with that company because it was under " their '' investigation. He could not give me a timeframe of that investigation because he does n't know. I asked him what I was supposed to do being that I was not informed that Blackhawk does not do business with certain companies prior to purchase of the gift card.  XXXX  suggested that I use a competitor gift card provider instead. I told  XXXX  that indeed I would do so next time. I then asked  XXXX  to speak with  XXXX  's manager and asked what was  XXXX  's manager name.  XXXX  refused to put me through to his manager and refused to tell me his manager 's name.  XXXX  was extremely rude with his rebuttals and refusal to provide me " the customer '' with any information. I told him that I would file a complaint with someone and he told me to go right ahead.
Product: Debt collection

I have no idea who this company is, they are calling anyone with the same last name of whomever they are trying to reach. they left the attached voice mail with a distant relative they called.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inaccurate customer service, and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash-app failed to take timely and effective matters to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fraud transfer act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for those violations!
Product: Credit card or prepaid card

I have used a capitalone card for online purchase of {$3100.00}. I never received the merchandise so I disputed. Later the merchant responded stating the items were behind. I called the credit card company in beginning of XXXX and said what the merchant have responded. I was following up with capitalone and no where they have told me that there is a deadline for the dispute and failed to mention it. I've called couple of times and one of the agent advised me to email the correspondence from the merchant. I did email that to capitalone email provided. I've received the letter on XXXX that capialone is stating that I no longer want to dispute the charge and where that comes from after sending the proof of email communication between me and the merchant. I've called in today XXXX and capitalone agent is stating they can not help me with the dispute so I told that I like to talk to the supervisor and got XXXX with ID number XXXX. I've explained to XXXX and his record shows the call on XXXX and after that was on XXXX. I have asked him that you do not have any information about this case what I was going through including the email correspondence sent. He stated no record showing and I was totally broke down. He keeps saying they can not do anything. This is a lot of money for me. I need help.