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

Around or before XX/XX/2020 I started receiving emails stating that I had outstanding approval odds for credit cards from XXXX XXXX and Capital One. Since XX/XX/2020 I have applied more than maybe 20 times and has gotten denied every time. There is no law that requires me to have an actual credit score to obtain a credit card. Credit is defined as the right granted however, Capital One discriminated against me by having harmful policies set in place to keep minorities at a disadvantage. This caused multiple inquiries on my consumer report that I did not benefit from. Furthermore, Capital One and XXXX XXXX made several inquiries on myconsumerreport causingmy score and credit report to be damaged.I now reject your many adverse action and denial offers. I am covered and 100 % protected as a consumer.WHY do these companies feel I do not qualify? Because I'm XXXXXXXX XXXX? I have reason to believe that these companies are converting my application ( XXXX ) into currency by selling my nonpublic information. XXXX XXXX and Capital One are obtaining my nonpublic personal information to benefit financially rather than honoring an extension of credit in good faith. In reality, this constitutes aggravated identity theft.The several denials Capital One offered violates 15 USC 1602 and and 15 USC 1691. Capital One harmful application and/or underwriting discriminates against the low-income community.These companies knowingly execute these deceptivepractices keepingminorities at a disadvantage. I was supposed to receive an explanation as to how to opt out of reporting these negative marks. I have not received that explanation. XXXXam unable to obtain an automobile or mortgage for my family due to a damaged credit report. Furthermore, I am discouraged toeven apply for a line of credit due toCapital One and XXXX XXXX, dishonest, and false actions. Preapproved should mean just as it sounds Approved before applying! Telling consumers they have outstanding odds when they dont is deceptive and misleading!! XXXX, XXXX, and XXXX are not to be excluded from my complaint either. These three companies also used my credit report improperly by allowing XXXX XXXX and Capital One to furnish fraudulent inquries on more than one occasion when they knew or should have known that I would not benefit from the transaction, again causing my report to be damaged as well. The national consumer reporting agencies also should have known that this was a deceptive prace when there was a 0 accounts opened by the companies that requested my report. All companies mentioned in this complaint lack integrity! I am an honest consumer who does not deserve to be mistreated for these companies to benefit a few dollars. I should not be discriminated against based off the XXXX of my XXXX or any other financial hardship I have experienced because EVERYONE falls on hard times. I am filing this complaint to ensure accountability because I strongly believe these companies benefited from these transactions when I did not in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts Impacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 regulations 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

I have been reaching out to Equifax on countless occasions to allow me access to log into my Equifax account unsuccessfully. Every time I call I am being told to give it 24hrs. The following day of not having access, I call back to having the next representative telling me the same thing. It has now been a week going back and fourth with no resolution. I would like to see what has been changed from my XXXX  account from my credit monitoring alert I have received.
Product: Credit card or prepaid card

On the date of XXXX. XXXX, 2022, XXXX XXXX opened a line of credit under my name for {$5000.00} with XXXXFORTIVA XXXX I was unaware of this account until I received a phone call from FORTIVA about payments being past due. After the call, I proceeded to contact XXXX XXXX to request the credit to be refunded to FORTIVA as I was unaware of this account. I have not received any services from XXXX XXXX, especially at the cost of {$5000.00}. I can not stress this enough. I have not received any services from XXXX XXXX. XXXX XXXX, however, was very understanding and returned the credit. XXXXFORTIVA continues to keep this fraudulent account open and reports it as delinquent, regardless of the refund of credit. I have disputed the claim with XXXX and the disputed information was found to be verified as accurate, regardless of the account being created without my knowledge and without me ever having received services from either of these companies. I will continue to dispute these claims.
Product: Debt collection

I continue to get harassed by XXXX XXXX XXXX firm located : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have received various calls from XXXX phone number regarding a collection, they continue to call from XXXX. Collection agency by the name JEFFERSON CAPITAL SYSTEM, contracted this law firm to continue to harass and push a collection that is non-existent there is no record of an account number or information I requested. 
Dates calls received in the XX/XX/year> : XX/XX/year> XXXX XXXX XX/XX/year> There is a report of a fraud collection of {$2200.00} on my credit report affecting my financial background, it is being reported with no other information like account number or my acknowledgment of this collection.
Product: Debt collection

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the XXXX XXXX XXXX XXXX and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from XXXX at XXXX XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX  from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XXXX - DATE OPENED XX/XX/year>
Product: Checking or savings account

Skrill is a mobile wallet with an attached prepaid checking account with XXXX XXXX XXXX XXXX. Skrill allows loading of the wallet with a debit card. 

Sometime in mid XXXX, Skrill locked my account, and returned the majority of funds I had loaded to the account to the debit card used. However, they didn't refund all of it, and I'm still owed {$1700.00}. I have several emails with their XXXX team over the last XXXX weeks, insisting that they are working on the issue. Most recently they've requested I wait until XX/XX/XXXX. 

I am now reaching out to get assistance from regulators. Skrill can't just keep my money, right?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXXXXXX XXXX acct # 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: Mortgage

most recently any extra principal payments are held for weeks without applying to accont and also when payments are made they are not posted to account for XXXX days or more and needlessly charging for inspection fees not needed
Product: Credit reporting or other personal consumer reports

I have obtain a copy of my credit report and the information contain on the report have major inaccuracies. I am demanding that you correct them immediately on my credit file. The following accounts/ items has been reported as late payments and according to FEDERAL LAW 15 USC 1681 ( A ) ( 2 ) ( I ) ( I ) ( A ) ( I ) States that information regarding transaction is not to be included on such CONSUMER REPORT.. Therefore you are in VIOLATION OF THE FEDERAL REPORTING ACT by reporting such transactions.. 

Please update my file to current never late. Please update my file within 5 days of receipt of this Correspondence or I will be seeking monetary relief for actual damages for WILLFUL NONCOMPLIANCE Accordance to the 15 USC 1681 ( N ) OF THE FCRA I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt.nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX inquired XX/XX/XXXX Capital One Auto Finance inquired XX/XX/XXXXXXXX XXXX  XXXX ( 2 Times ) inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX inquired XX/XX/XXXXXXXX XXXX XXXX XXXXp inquired XX/XX/XXXXXXXX XXXX XXXX XXXX inquired XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XXXX. XX/XX/2023.
Product: Debt collection

My rights has been violated by National Credit Adjusters who appeared on my credit report in XXXX XXXX XXXX  I immediately sent them three different letters and I did not receive a response back at all. It has well been over 60 days and this erroneous and unverifiable reporting has been extremely detrimental to my livelihood as well as my families livelihood. I read that I have the right under FDCPA Section 809 that I can request to validate this debt within thirty days but I was ignored and none of my requests were fulfilled. National Credit Adjusters received my letter ( s ) on XXXX XXXX XXXX  I have attached previous letters and receipts.
Product: Debt collection

Portfolio has been calling me for years attempting to collect a debt that is someone else 's and not mine.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing number:XXXX ; an account number : XXXX. My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX this CFPB complaint to you today as a follow up of the previous CFPB Complaint I submitted to the Credit Reporting Agencies on XX/XX/XXXX. I previously sent a dispute letter addressed to the Credit Reporting Agencies on XX/XX/XXXX, with complete attachments of my personal information as well as the XXXX I received from the FTC, requesting the removal of the disputed accounts and information from my Credit file that are completely unknown to me. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after the date of receipt. Also, in the event that the Credit Bureaus claim that the disputed accounts and information belongs to me, I require the Credit Bureaus to send me copies of proof of verification. I have previously included these items on my first CFPB Complaint and I am including them once again. Please have the following items removed from my Credit File as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

Todays date is XXXX. I had filed a claim on my bank of america EDD debit card back in XXXX. I filed XXXX claims XXXX was for {$100.00} the other {$5000.00} and the last one was for $ XXXX. The bank refunded me the first XXXX decided in my favor but the XXXX claim the $ XXXX they don't want to pay bac. This case was XXXX years ago so much time has passed that they cant even investigate even if they wanted. I believe just the time it has taken for them to respond to my claim i should get refun. I asked them for what documents they used to determine the outcome they just sent me my statement thats all. Showing me a copy of my statement don't mean anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southeast Toyota Finance is in violation of 15 USC 1692e ( 8 ) ; Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Southeast Toyota Finance is in violation of 15 USC 1666a ( a ) ; Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 


This debt is currently since XXXX being disputed and has not come to a conclusion yet. There has been numerous cease and desist, affidavits and debt collection notices sent out to Southeast Toyota Finance. Southeast Toyota Finance has deceptively and falsely reported a late payment to XXXX, XXXX, and XXXX WITHOUT the consumers ( my ) consent! this constitutes as IDENTITY THEFT per the CFPB definition : Stealing your identity could mean using personal information without your permission, such as : Your name Social Security number Credit card number!! I never authorized this information to post onto my credit report as they provided XXXX, XXXX, and XXXX with my personal information and is tarnishing my reputation by doing so.
Product: Student loan

I took out private student loans with Navient to attend XXXX XXXXXXXX XXXX XXXX XXXX XXXX between XXXX, which later changed its name to XXXX XXXX XXXX , before closing its doors completely in XXXX. 

XXXX engaged in inflated tuition and deceptive marketing practices during my time there. I have been unable to attain a high paying job, and since graduating, my loans have doubled in value due to only being able to make interest only payments. 

In XXXX I applied to release my co signer, which is my sister. Despite having met all the criteria for release, I was denied because XXXX payment came from her account. 

Since XXXX XXXX closed its doors, I attempted to apply for the closed school discharge, but that did not apply to my private loans. In XX/XX/XXXX I applied for XXXX XXXX to repayment and was notified I would be granted relief as a full class member of XXXX XXXX XXXXXXXX on XX/XX/XXXX. 

I have contacted Navient several times to understand why I am being held liable to repay loans for a school that was found to have defrauded borrowers. 

On XX/XX/XXXX I contacted Navient about the school misconduct program that is being piloted, but I was not been given much detail. 

I think this is a violation of my consumer rights and I believe my Navient private loans should be in an administrative forbearance while I wait for the school misconduct application to be made available to the broader population.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is committing Identity Theft by reporting accounts without Permissible Purpose with the following accounts reporting to my consumer report. I have disputed within for nearly a year, and have not achieved any results. 

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 I have submitted an identity theft report on identitytheft.gov.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to Loancare. I was laid off from my job on XX/XX/2022, I called into Loancare for mortgage assistance. I followed all instructions and provided the needed documents. Every time I called in for status I was constantly being told to provide the same documents over and over again. I was then told to provide certain items for a loan modification. I did not apply for a loan modification. I simply wanted a forbearance to assist me being that I am now unemployed. They have not communicated anything as to the smear steps just keep asking for the same information. My lender should be able to assist with all the programs they claim to have to help homeowners, instead they take their time to process the application. One representative told me that it can take as long as a refinance! This is absolutely ridiculous! I was able to pay mortgage for XXXX and for XXXX, but if I am asking for help, why are they not providing it? The regular forbearance was a lot easier. Why is an unemployment forbearance any different, these processes should be made a priority to avoid a homeowner going into foreclosure.