23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies are violating my ADA Disability Act and act of Discrimination and Retaliation against me as a XXXX  XXXX XXXX and XXXX status. 

Evidence has been provide it to XXXX XXXX  auto loan # XXXX with my XXXX XXXX evidence and auto lender refuses to remove the derogatory remarks of XXXX XXXX in which timely payments has been implemented for XXXX XXXX, XXXX, XX/XX/XXXX and continuing making payments of {$440.00} each month with my XXXX XXXX Retirement Pension. 

Also XXXX XXXX account has a positive payment history from XXXX till Present, but XXXX, Transunion and XXXX  is reporting Derogatory Remarks.Attorney for XXXX XXXX provide a letter to add my Tradeline to Transunion and XXXX. 
XXXX XXXX tradeline is only listed on XXXX. 

Also my XXXX XXXX Mastercard ending # XXXX balance is XXXX not {$510.00} or {$240.00} as stating on XXXX, XXXX  and Transunion. 
My credit Report hasn't been updated. 
I am going through a VA Loan and Home process in Texas and need my credit and scores updated immediately. 
Extreme Very Urgent!
Product: Credit card or prepaid card

XX/XX/2022, made a purchase with newly opened Citibank Best Buy  credit card in the amount of {$490.00}. Upon receipt of credit card statement, I was charged twice for a total of {$990.00}. I disputed with Best Buy and showed them the receipt for the purchase in the amount of {$490.00}. They responded with the charge will stand that I owe {$990.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX  XXXX Date Updated : XX/XX/1997
Product: Checking or savings account

I bought a 1 year CD on XX/XX/year>. The CD was automatically renewed this year for one year with no ability to opt out of the CD on their website. The only want to opt out is to call their service desk within in 10 days of the renewal as Citizens Access bank is an ONLINE ONLY bank even thought it is a subsidiary of Citizens Bank. I called them on XX/XX/XXXX when I realized they automatically renewed to see about cancelling the CD. They immediately wanted {$600.00} to cancel the CD and said it was part of their online disclosure. It was escalated to two supervisors and their internal team would not wave the {$600.00} fee. This is a deceptive practice to lock their customers money into their bank. I am currently taking the action of removing my savings account from this bank and informed them I would do so.
Product: Debt collection

After recently filing a complaint with Sources Receivable Management, they sent me verification documents to validate my debt. I am so very glad that they finally did. They wouldnt before I filed the complaint and now I know why. They have a totally incorrect address on both lease agreements. I have never lived in XXXX I got married two years ago so my maiden name is XXXX but the debt is not mine. My signature was forged on both lease agreements from sprint and I have a valid XXXX ID to prove this. Both lease agreements were forged. The two signatures on each lease agreement are two totally different signatures. They attached the same documents in the thier response on my previous complaint. I now have proof that debt they are reporting to the credit bureaus is indeed NOT VALID. Due to previous false reports from them saying they spoke with me and falsely notating my account saying that I agreed to pay the debt I decided to file another complaint so that I will still have my proof if I have to seek legal action.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XX/XX/year> PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear PROCOLLECT , INC ( account # XXXX ), I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have provided this loan service provider with XXXX XXXX XXXX information, which I was approved by the insurance company. I filled there XXXX forms not that long ago, and they keep sending me to fill out the forms. I have not been told or suggested how often should I be re-filling this forms. As my medical provider can not be filling this forms every month or every other week. I am 'XXXX labeled XXXX due to my XXXX XXXX and as my attending physician informed me that my injury is not something that will change for the better or remedy itself.
Product: Debt collection

For CREDIT MANAGEMENT COMPANY XX/XX/year> & CONTRACT CALLERS XX/XX/year> I have no knowledge of and refuse to pay this debt that I AM NOT familiar with at all! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX UCC 1-308 ALL RIGHT RESERVED WITHOUT PREJUDICE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.
Product: Credit card

I ordered XXXX XXXX ounces of patriott power greens from XXXX around XXXX, received the product and got billed for {$58.00} on XXXX XXXX, 2016 and this was a plain one time order and no monthly automatic order was mentioned or talked about.received another merchandise on XXXX XXXX and got billed on XXXX XXXX. I immediately returned the product at the post office, return to sender process.Called the company and cancelled any incoming order. I received a credit on XX/XX/2016 for {$58.00} towards the charge for the XX/XX/2016..Then on XXXX XXXX, 2016, the company sent me another merchandise and got billed for $ XXXX.I then returned the product thru the post office return to sender system.Then i received a {$58.00} credit on XX/XX/XXXX for the purchase on XX/XX/XXXX.Then Capital one rebilled me for {$58.00} on XXXX XXXX, 2016 for the XX/XX/2016 which was credited on XX/XX/2016.Then on XX/XX/2016, Capital one rebilled me for {$58.00} against the credit of {$58.00} on XX/XX/XXXX.In summary, I kept XXXX XXXX ounces of their product, returned XXXX of products that wasnt ordered, then Capital one rebilled me {$58.00} XXXX times..total of {$110.00} hard earned dollars ... ... Their information ... phone number XXXX Patriot HealthAlliance ...
Product: Credit reporting or other personal consumer reports

I did not recognize any of the following inquiries and did not authorize them. 

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

Auto insurers have been using LexisNexis to review public information regarding my accident history. This information, via the CLUE report, is used to determine the risk to insure and subsequently calculate a monthly premium. LexisNexis incorrectly shows that I have two " at-fault ' accidents on my record when I only have one. This has been verified with XXXX auto and I was told by both companies I have to take it up with the other, ie. LexisNexis instructing I contact XXXX and vice-versa. When I called LexisNexis in XXXX I was told they can do nothing about my record. As a credit history and risk reporting agency, LexisNexis has failed to investigate this inaccurate information and I have been paying additional premiums that I shouldn't have been paying. XXXX deemed this accident " no-fault '' but somehow this XXXX accident is listed as " at-fault '' with LexisNexis. This has been an ongoing issue that I realize I have to take additional action on in order for this to be resolved.
Product: Credit card

Dear Sir/Madam I purchased lot of item through Discover Deals cash back promotion.Below are the items. I called them multiple items. Every time I call them they promised me that i will get cash back on next statement. I wasted lot of time ( lot of hours ) talking to them. They should have automatically tracked but they deliberately not giving cash back thinking that most people does n't bother to call and get the cash back. I believe there is a systematic fraud happening here. 
XXXX XXXX XXXX Order # XXXX - {$250.00} XXXX XXXX XXXX Order # XXXX - {$170.00} XXXX XXXX XXXX Order # XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA - Order # XXXX - {$100.00} XXXX XXXX XXXX Order # XXXX {$32.00} XXXX XXXX XXXX order # XXXX - {$24.00} XXXX XXXX XXXX XXXX # XXXX - {$81.00} XXXX XXXX XXXX XXXX # XXXX - {$15.00} XXXX XXXX Order # XXXX - $ {$10.00} XXXX XXXX Order # XXXX - {$39.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Comenity Bank, representing Victoria Secret, has called me SEVEN times a day, EVERY day, for the past week ( XX/XX/XXXX-XX/XX/XXXX ) from an UNKNOWN number. I am past due on a payment, but my account indicates a new minimum payment due - including the past due payment and late fee - on the next billing cycle ( XX/XX/XXXX ).
I told them when they first started calling, 5 days after my payment, that I was not able to make the past due payment until my next payday and that I will make sure the account is paid up to date by the current due date. I advised them to not call back regarding this payment, unless XX/XX/XXXX passes and they have still not received payment.
That stopped the calling for a day, and then it continued. They call a minimum of 7 times a day between XXXX and XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/year> Bridge crest XXXX XXXX XXXX XXXX XXXX XXXX arizona XXXX Dispute Regarding Disclosure of Nonpublic Personal Information Dear Bridge Crest / XXXX " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802.

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices.

2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information.

I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ].

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information. 


2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information.

If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights.

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

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

On Saturday XX/XX/XXXX, I was exchanging funds via Paypal for concert tickets. The tickets were supposed to be transferred to me via XXXX XXXX, and the user on XXXX had me send them money via paypal. I wasn't sure if I trusted them, so finally agreed to send half of the money ( {$100.00} ), then they were going to transfer the tickets, and then I would send the rest. They told me to transfer the funds via fnf " friends and family '' and I didn't realize why. I transferred the money, and the user immediately disabled XXXX XXXX, which is how we had been communicating, and removed their post from the XXXX group so that I couldn't contact them or have a record of their soliciting business. I've filed a complaint with XXXX, and am looking to try to have the funds transferred back to my account.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a
nd address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Credit Report of XXXX  from USAA Date Reported XX/XX/XXXX INCORRECTLY Account XXXX ( XXXX ) .DATE CLOSED XX/XX/XXXX SOLD??? XXXX BALANCE * THIS IS NOT MY ACCOUNT PER MY RECORDS AND??? IT POPPED BACK OPEN FIVE ( 5 ) YEARS LATER??? See attatched USAA Account XXXX XXXX XXXX XXXX POPPED BACK OPEN??? STATEMENT XX/XX/XXXX XXXX {$100.00}. REMOVE THIS IMMEADETLY. PROVIDE ORIGINAL WRITTEN SIGNATURE VERIFYING THIS DEBT. USAA OPENS ACCOUNTS I DID NOT AUTHORIZE.
Product: Checking or savings account

I am writing to file a complaint regarding navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged aligns with recent CFPB findings against navy federal credit union or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions
Product: Mortgage

In XX/XX/XXXX, after the Tornado that hit our area, we were given a forbearance by XXXX XXXX for 3 months. In XXXX we received a document stating that we were approved for an FHA Recovery Standalone Partial Claim which was approved due to the emergency that occurred in the area XXXX XX/XX/XXXX ). The last payment we made was in XX/XX/XXXX, In XX/XX/XXXX, we called XXXX XXXX to make the payment for that month, however, we were notified that the loan had been transferred to Carringtong Mortgage. From this we were told that our payments needed to be made to Carrington Mortgage in XX/XX/XXXX for the value of {$3000.00}. To our surprise Carrington Mortgage sent us a statement for the payment and in the statement, it said that we owed a value of {$16000.00} when were already approved and sent in the paperwork signed and notarized, as we were told to do, where it states the amount, we were promised. We have proof that the documents ( Promissory note/ Partial Claim Deed of Trust-FHA Case No : XXXX ) was received via the tracking number verification. 
At this point we are being demanded this payment and we need them to be honest and send us the real statement that is for the month of XXXX that is {$3000.00} as noted in the documents that were presented to us. I have spoken to the Attorney office that sent us the documents and they let us know that Carrington Mortgage and XXXX XXXX should have copies of these they also informed us that they received the documents and they sent it back to them.
Product: Credit card

I received an email stating that not enough information was given to finish processing my credit card application. I have never applied for a Chase credit card.
Product: Money transfer, virtual currency, or money service

Coinbase closed my account back in 2018 for unspecified reasons. Since then, I have been desperately trying to get my transaction history for tax purposes, to no avail. They have sent my transaction history in pdf format, which I can not use for tax purposes, rather than a XXXX or XXXX file. The file they sent also contains no information regarding transactions made on Coinbase Pro ( formerly GDAX ).