23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX15 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: Debt collection

Since XX/XX/2020, there has been a {$3400.00} charge from the National Credit System that has been on my XXXX report account for a rental property that I did not occupy. I've contacted them multiple times to inform them that this account isn't mine, as well as I had another third party ( credit company ) contact them for paperwork with my name or signature. The time that I was given where I was supposed to be living at this rental, I was undergoing military training where I was provided with housing and had no access to any electronics.
Product: Checking or savings account

I sold a bicycle online for {$8000.00} on XX/XX/XXXX. The person told me he would make an initial payment of {$2000.00} to secure the item. That same day I received a deposit in my Citibank checking account for {$4000.00} from this person ( ATM deposit in a branch in XXXX XXXX ). Next day, when I realized this I contacted the buyer and he told me a mistake had been made. He asked if I could give him back the extra {$2000.00}. I got suspicious so I called the bank and asked them if the deposit had been made in cash or check. I was told it had been a cash deposit. I was still uncomfortable with the situation so I logged into my Citibank account and saw that it said the {$4000.00} deposit had been posted and the funds were already available. Still, I opened de chat in the website and contacted a Citibank agent. Once again, I asked him if the deposit was cash or check and he confirmed it was cash. I even took a screenshot of the conversation, which I have. With this info, I made an instant transfer to the account that the buyer gave me ( an account in XXXX Bank ). I transferred {$2000.00}. On XX/XX/XXXX I contacted the buyer again to ask him to make the remaining payment ( the {$6000.00} ) but he said he had a family emergency and could no longer complete de purchase. He asked me if I could give him back the {$2000.00}. At his point I got scared so the next day I logged into my account to get in touch with Citibank and realized the initial {$4000.00} deposit had been cancelled. It said : Returned check. I called the bank and asked them why they had told me ( XXXX  ) that this was a cash deposit when in reality it had been a check deposit. The person from customer service said there was nothing that could be donde and that I was free to take outside actions. I acted based on wrong information that Citibank gave me and they should reimburse me the money that I lost. They told me XXXX times ( on the phone and in writing ) that this was a cash deposit. If I had known this was a check deposit I would not have returned any money to the buyer for at least a few days.
Product: Debt collection

Discover Bank, you are in many violations and I am demanding you Discover Bank to correct all of your errors on my consumer reports right now. CFPB, FTC investigate this matter. I blame the Credit Reporting Agencies XXXX for never doing their job properly because I disputed this account and XXXX said it was valid. 

So I blame yall XXXX XXXX, so please do not act XXXX when I invoice yall for violations. 

First off, Listen hear Discover, you are furnishing MY private information and I have the right to privacy, Im not sure if you are aware that is a {$5000.00} fine, I did not give you permission to furnish my private information on my behalf.

2nd, I am putting you on notice in regards to the charge off and DISCOVER BANK should know what the IRS says about a cancellation of debt of 600 or more and I am demanding DISCOVER BANK to send my 1099c, which you should have received when the debt was charged off. Also I will have to contact the IRS on them. A charge off is gross income and doesnt get reported. As of dated XX/XX/2022 at the time of XXXX XXXX, is reporting a Charge Off to ALL credit reporting agencies on my behalf with a balance of {$1200.00}. I have never received a 1099c form from DISCOVER BANK. 

There are various violations this company DISCOVER BANK are in 12 CFR 226.11 - Treatment of credit balances ; account termination. 

a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall - ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

The executive from Discover, XXXX, told me I can NOT reopen my account, when I asked to reopen my account, hes very rude, and Discover Bank is doing unfair business. I just CLEARY explained everything in a very basic and understandable term.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.
Product: Money transfer, virtual currency, or money service

ive had unauthorized transactions, even misstaken transactions sent and tried to reverse transactions i was told theres nothing they can help me with. when there was no warrings etc
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX account # XXXX for the months of XX/XX/2024 and XX/XX/2024. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Someone fraudulently filed unemployment in my name. I filed fraud with the Unemployment line and then still received a US BANK Reliacard stating it was for my unemployment benefits. I did NOT FILE. I do not want ANYONE TO HAVe ACCESS to an account. I can not reach a HUMAN BEING. I want this account closed
Product: Student loan

XXXX/NELNET has not respond to my dispute or the CFPB complaint. Therefore, I am filing this complaint to follow up on my previous dispute and the complaint filed with the CFPB regarding the accuracy of information your institution has reported to the consumer reporting agencies concerning my accounts. My initial Dispute mailed Certified Mail Receipt on XX/XX/XXXX which was signed for on XX/XX/XXXX AND the CFPB Complaint # XXXX filed on XX/XX/XXXX. I have yet to receive a response within the XXXX -day period required by the Fair Credit Reporting Act ( FCRA ). 
As you are aware, under the FCRA, specifically 15 USC1681S-2, you have certain duties upon receiving a notice of dispute. These duties include : ( i ) Conducting an investigation with respect to the disputed information ; ( ii ) Reviewing all relevant information provided by the consumer with the notice ; ( iii ) Completing your investigation and reporting the results to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) If the investigation finds that the information reported was inaccurate, promptly notifying each consumer reporting agency to which the inaccurate information was furnished and providing any necessary corrections to ensure the accuracy of the information. 
It has now been more than 30 days since you received my dispute, I have not received any communication or results of your investigation. The disputed information includes ; Account # XXXX Date Open XX/XX/XXXX and Account # XXXX Date Open XX/XX/XXXX Please consider his letter as a formal reminder and demand that you comply with your obligation under the FCRA. I request that you provide the results of your investigation immediately.
Product: Vehicle loan or lease

Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; 2. Furthermore, you GLOBAL LENDING failed to clearly & conspicuously disclose my right to rescind ; 3. I XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; 4. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; 5. You also asked for a down payment of {$1000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; 6. Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate, and fails to provide information which he is required to disclose and in this case you GLOBAL LENDING willfully did when you failed to disclose and provide all information clearly to me a consumer. 

7. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I check my report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This situation is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive provided thoroughly so I no longer have to worry about this.
Product: Money transfer, virtual currency, or money service

I am filling an 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted an item from my credit report and put it back on. They are saying that XXXX XXXX has verified the item as belonging to me. I contacted the company in which it 's XXXX XXXX credit card they have my police report. This account was opened up fraudulently. When I talked to a representative at the Bank they stated that they never verified this account with Equifax as this account is in a separate department due to it being identity theft. Also, I sent the police report to Equifax back in XXXX and they keep ignoring it. The last time they responded it was a generic and unrealistic response. Here is the supporting documentation. Also, they deleted the item off the credit report on XX/X/16 and reinserted the item on XXXX without giving me notice prior to inserting it. This caused my credit score to plunge by 100 points and disqualify me and my family for a mortgage. It 's being reported as an installment loan instead of a credit card also it 's saying I recently defaulted on this payment in the last 3 months. Please remove this item as this is not a legit item. Please find my police report and supporting documentation. Also notice that no other credit reporting agencies are reporting this item only Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity theft and leaked data. 

Unknown inquiries posted to credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I requested Transunion to verify the accounts on my credit report since my account, also copies of verification and proof of any contracts allegedly I have with third party debt collectors, copies of contracts, and certified public copies of any liens, credit transactions, or debt that have been registered of any kind associated with the consumer. I sent XXXX requests : XXXX through XXXX on XXXX XXXX through certified mail with a XXXX form, it was delivered and return, and another on XX/XX/XXXX through certified mail.
Product: Checking or savings account

I have submitted a fraud claim with my bank TD, my card was lost and was used all my money until leave XXXX dollars on my account. 
I noticed when I logged in onto my online banking and saw a negative balance of XXXX I locked the card, requested a new one and call the bank to report the fraud. 
they gave provisional credit and after a couple of weeks the claim was denied because " the card was not used after '', situation that is obvious if they tried to make more purchases without positive balance, those transactions must be denied so thats why they didnt keep using it
Product: Debt collection

A company called XXXX has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.
Product: Debt collection

Enhanced Recovery Company , LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize for any service.
Product: Debt collection

On XX/XX/2021 1st letter, and 2nd LetteXXXX on XX/XX/2021. I mailed a letter to XXXX XXXX, and Equifax and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

experians upload services do not function ... making it impossible to supply information pertinent to my dispute. 
please see furnisher cfpb complaint XXXX ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX IS ATTEMPTING TO COLLECT XXXX DOLLARS BUT HAVE DUPLICATED THE DEBT FOR YEARS AND GIVEN IT XXXX SEPARATE ACCOUNT NUMBERS AND THEN VERIFY BOTH DEBTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a balance on an account. There is no balance.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act.

According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures. 

Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future. 

If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. 

I value the services provided by XXXX XXXX XXXX XXXX and trust that my privacy preferences will be respected. Thank you for your attention to this matter.
Product: Mortgage

On XX/XX/2021, I received a notice that Caliber Home Loans paid my property tax for XXXX. I called Caliber and asked why that happened? The customer service rep said she would investigate. 

She told me that I was delinquent with my taxes. I told her that I was NEVER late when it came to paying my property taxes. She investigated further and found that I was {$.00} short. I said seriously? She laughed and said yes. With that, I let her know that I would cancel my scheduled tax payment with the city and would send the money to Caliber to so there would not be an outstanding balance. 

I called Caliber after the check cleared ( Approx. XX/XX/XXXX ). I spoke to a CSR, told them what happened and also let them know that I wanted the {$3100.00} to be applied to the outstanding escrow account and the account closed as I don't have escrow per my contract. They said they would do it and not to worry. 

In XXXX, I received a notice that I my payment would change in XXXX and that I would be forced into an escrow account. I called Caliber several times and was told that this would be taken care of. I got another notice that said my request was denied. The notice stated that I was delinquent with my taxes and I didn't put my request in writing. I put my request and back up documentation in writing. I was still denied. 

I called Caliber once again and asked to speak with a manager. I explained to the manager, XXXX, # XXXX, what happened. She responded that I was delinquent with my taxes and I would have to wait twenty four months to have this looked at again. 

I explained once again that I was not delinquent, I was short {$.00} cents. I said that they were forcing me into escrow because of {$.00} cents? She would not budge and kept insisting I was delinquent. 

I have NEVER missed a mortgage or tax payment. My monthly payment is now going from {$1200.00} to {$2700.00}, An increase of {$1400.00}. My taxes are only {$13000.00}. They are now asking for {$17.00}, XXXX for escrow?