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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX. Account # : XXXXXXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit reported. I received a 1099-C ( Cancellation of Debt '' ) for the following charged off account listed below. for XXXX account # XXXX checking my most current reported updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Checking or savings account

We have been notified numerous times in the last year that our personal information was stolen in data breaches at several organizations. Hackers used that information to break into our Marcus Goldman Sachs accounts. On XX/XX/24, the hackers tried to remove {$3500.00} from a savings account. We were alerted and stopped the transaction immediately, and thought we totally froze our account. Marcus closed down our compromised savings accounts, but for some reason, not our XXXX. On XX/XX/24, the hackers somehow got back into our account, cashed out the XXXX, and again tried to remove {$3500.00} from the account ( the same account that had been closed the day before ). Again, we were alerted and stopped the transaction immediately. We subsequently found out the the hackers had changed contact information in a failed attempt to hide the theft. Marcus Goldman Sachs. Marcus restored the two {$3500.00} attempted withdrawals to our account. However, after 102 days and counting, Marcus has failed to restore the {$1900.00} plus interest for the fraudulent early withdrawal penalty. The company has benefitted from this identity theft by escaping from a 5.50 % interest XXXX  to only paying 4.4 % interest in a savings account, not to mention charging a bogus fee on top of it. The customer service has been atrocious. So far, XXXX phone calls, over XXXX hours on the phone... Promise after promise, yet no progress. Our refund is " in progress '' or " awaiting final approval '' or " approved, but waiting final sign off by compliance ''. Every call is a well meaning, polite, but poorly empowered representative who can't do anything. This seems like a system wide scheme to delay delay delay. Their security policies are not sufficient, and their customer service is terrible. Don't be fooled- a manager will not call you, your refund isnt in progress, and your accounts might not actually be protected even though they tell you they froze them.
Product: Vehicle loan or lease

XX/XX/2018, I bought the 2018 Honda. XXXX. I discovered there are two different contracts from the dealership and Honda Finance, which is on file. This is auto sales fraud on a senior citizen and a XXXX person.
Product: Checking or savings account

My funds were suddenly transferred from NYCB to Flagstaff and now they won't let me in. I called, waited 32 minutes and they hung up on me. I tried chatting after XXXX XXXX and it is XXXX. They canceled my transfer request and have locked my account and won't call me back.
Product: Credit reporting or other personal consumer reports

Its on my credit report. Its student loans and it was paid in full and on time.
Product: Credit reporting or other personal consumer reports

Loans were dismissed by the department of education XXXX years ago and loans were then transferred from XXXX XXXX to XXXX. I reached out to the department of education and they made arrangements to have my loans put into forbearance until loans are cleared but in the mean time they have accumulated over XXXX dollars worth of interest and my loans still havent been written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items 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 and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$560.00}
Product: Vehicle loan or lease

Carvana - I applied for a loan and was approved. I then chose a car, filled out the rest of their required paperwork. They asked for the down payment and I paid it. They required that I add the car to my insurance 2 days before delivery of the car which I did and paid it. They came back AFTER I was approved and paid XXXX XXXX  dollars and said they wanted additional information. I did not have the additional information. It was NOT an upfront requirement. They then told me they were pulling my approval. They now have my money and I now have to wait at least 7 days for their money to clear the bank and then be reimbursed and I have to wait for the insurance company to reimburse what I paid for the new insurance. I need a car TODAY and can not go buy one because CARVANA has my money. They should NEVER force a consumer to pay until they are 100 % approved! I believe they have false advertising! I met EVERY SINGLE REQUIREMENT to purchase the car. I was well qualified and have never missed a payment. What they wanted was NOT one of their guidelines!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am reaching out regarding an issue with my Self Financial account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing.

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met.

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
Product: Debt collection

I received an unsolicited text message from XXXX which stated, " Capio Partners, a Debt Collector : We recently sent a letter about acct XXXX. Call XXXX or visit https : XXXX to optout txt STOP. '' I have no knowledge of this company and I do not have a contract of any kind to do business with them. I feel threatened by this action of some stranger contacting me regarding I debt that I don't owe and telling me to pay them. I did not give this company permission to contact me and They have no permissible purpose to do so.
Product: Credit reporting or other personal consumer reports

I have requested a validation that the debt is tied to me. XXXXXXXX XXXXXXXX  has yet to provide thta. They continue to state they have but the document that is provided is not validating the debt is mine.
Product: Credit card or prepaid card

XXXX, XXXX XXXX at local Citizens Bank asked me if I'd would want the new XXXX XXXX with 5 % cash back promo ( on up to {$6000.00} during first year, then reverts to 1.8 % on everything ). She signed me up for it. Got the card and started using it XXXX XXXX. 
After about 10 days I set up my online account and noticed I was getting 1.8 %, not 5 %. 
There is no other option besides a phone number to contact " Customer Service '', so on my 4th try to speak somebody, and XXXX. XXXX min. on hold, I finally got to explain the problem. The polite man eventually told me I'd start getting the 5 % in about 3 business days, and the difference between 1.8 % and 5 % for purchases already made " would be added to my account in a lump sum ''. I started getting the 5 % on XXXX XXXX. By then I had {$2100.00} in purchases, meaning I was owed {$67.00} in reward cash-back. 
The owed amount never appeared. I called back on XXXX. This guy told me " it would take 2 weeks to get it ''. Asking " why? '' got no answer. I told him " I'll believe it when I see it '' and told him I'd be filing a complaint if it didn't happen. 
3 weeks went by. Still nothing. Called back XXXX XXXX. The " Customer Service '' rep was full of " I'm Sorrys '' but nothing was done to this day. 
It may not be a whole lot of money, that was the deal, then it's part of the contract between the bank and a very good XXXX customer of theirs. I expect it without being lied to by " Customer Service '' people who apparently know nothing and can't fix it themselves. I'm not wasting my time by calling again. It's useless.
Product: Student loan

A complaint was filed on XXXX with regard to a student loan debt. NAVIENT replied on XXXX through this site and via USPS. in there response they were documents that had a electronic signature, but nothing was provided that had both parties name on it to constitute a contract or that full disclosure was provided upon the alleged contract. after this a letter was sent certified mail to NAVIENT XXXX XXXX. I have not heard a response to this inquiry. In this letter NAVIENT was given 14 days to respond and has failed to do so.
Product: Money transfer, virtual currency, or money service

My account was compromised back in in late XX/XX/year>. I believe while on the phone with cash app support pertaining to customer service issues on my account XXXX XXXXXXXX some how I was connected to someone male then connected to a female requiring me to download apps on my phone one was called XXXX the other I care to even remember. Next thing I know I'm locked out my account until XX/XX/year> I'm able to get access back after 6 months struggling with rude Cash App support agents. Well Cash App pays courtesy of a dispute a withdrawal. The amount was {$7000.00}. I also discover more unauthorized activity dating back from XX/XX/year> - XX/XX/year> when they locked my account because of a violation of terms policy. XXXX unauthorized transactions adding up in the sum of {$24000.00}. I'm a XXXX consumer relying on a social security income this {$24000.00} theft is a years worth of income. Cash App fails to comply. I was denied with Cash App Acount Specialist XXXX denied my dispute putting me at fault saying I made these transactions or authorized someone to make them transactions not only did this hurt my feelings but also effected my income.
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. Proof of your authorization to collect on behalf of the original creditor. A breakdown of any additional fees or interest that have been added to the debt since its origination. Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ThisisforExperiancreditbureau.XXXXXXXXXXXXgotthisaccountfromAuraXXXX/XXXXremovedfrommyExperiancreditreportinXX/XX/2019.Soexprianyouneedtoremovethisnegativeremarkbecauseitisstillpostingonmycreditreport.ProofisattachedcontactXXXXXXXXXXXXformoreproofofthematter
Product: Debt collection

Tried to contact them about issues they dont care still saying pay and this isnt my bill! Fraudulent activitys also the price goes up every day with this company! Every time I call they add more to that account! Why they wont free my name? Let me go! The company has no rights to charges through fraudulent activities! The customer service keeps calling saying bad things not caring to anything I say! Very mean and not professional about there business! They just trying to XXXX who they can! Online activities thats pushed through fraudulent activities they should be sued
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft as my social security number and my driver 's license number has been compromised. Multiple unauthorized inquiries were made using my personal information. I have officially filed a notarized identity theft victim complaint and affidavit, as well as an FTC ID Theft Report. Both of which I will be attaching in this complaint. 

The following listed inquiries were not authorized by me and I am requesting they be deleted immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

hi ive had my privacy breached by google they are giving me errors in my website and wont let me access any of these cards they are stopping me from deploying my cloud they have breached all my policies and contracts and committing fraudulant behaviour they are hiding my money and can i gfet this resolved please this has been going on all year i dont have specific dates but i have proof
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX  numerous times and reporting discrepancies, my financial institution and XXXX  failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX  has not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX  on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX  is finally reporting settled XX/XX/XXXX and closed. XXXX  and Equifax are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

hi my account was closed back in XX/XX/year> and the never send back our money About {$2000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
1 ) I never applied of credit with XXXX. 
2 ) I have not applied for credit within the past month. 
3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by XXXX. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to XXXX advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.
Product: Mortgage

I applied ( through a state program with the Department of Economic Opportunity ( DEO ) - " HAF '' Homeowner Assistance Fund ) for mortgage payment assistance in the amount of {$1200.00} and was approved on XX/XX/2022. I was approved for the payment assistance to pay my mortgage payments for 18 months ( see attachment ) starting XX/XX/2022. I had called the HAF department 3 times prior to XX/XX/2022 to ensure that the payment was sent to my mortgage company. 

On XX/XX/2022, I was informed by a member of management with the HAF department that in fact they mailed the check in the amount of {$1200.00} to my loan servicer with a check number of XXXX had cleared on XX/XX/2022. After multiple calls to my mortgage company, they do not have confirmation of the check received from Department of Economic Opportunity ( DEO ) and OR the " HAF '' Homeowner Assistance Fund. 

There is there is only 2 business days left in this month before I am formally late and before this goes into another month of misapplied or no payments being confirmed by my mortgage company. ( Included XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX - ( XXXX ) XXXX - See attached mortgage statement reflecting loan servicer and no history of documenting the XX/XX/2022 mortgage payment from the HAF department ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.