23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has been attempting to collect on a debt that they have been told and know is the result of identity theft. They engaged in intimidating and threatening tactics ; they filed a bogus lawsuit, cornered me into a courthouse conference room, and coerced me into agreeing to pay them or else be found in contempt of court. After all of their cunning maneuvers, summary judgment. They're using their lawyers as weapons ; I surrendered to their demand in part because I couldn't afford legal representation, until I found out that I have a powerful recourse with the CFPB. They forced me into entering a complex stipulation under duress to pay them thousand of dollars ( about {$5000.00} ), knowing that the debt was fraudulent. Now, they are harassing me for more money.
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its leg obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.
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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Money transfer, virtual currency, or money service

( I am filing a complaint against ( Block Inc ) due to inadequate customer service and u fair practices, which violated 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 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 or other personal consumer reports

TransUnion continues to add personal addresses that are not mine on my credit report. Recently, there is an addition of an address in XXXX XXXX XXXX XXXX, TX and XXXX XXXX XXXX XXXX, CA ( which is a business ). They only allow one dispute at a time and refuse to remove this incorrect this information. I was born and raised in California and have lived here all my life. I purchased my home in California in XX/XX/year> and have lived here since. They refuse to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these inquires and in accordance with the Fair Credit Reporting act 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: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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.

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 b

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

THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

I must emphasize that all disputed accounts are fraudulently reported, and there should be no discrepancy in the treatment of these entries. The selective deletion of certain accounts while others persist is not only arbitrary but also inconsistent with the principles outlined in the Fair Credit Reporting Act ( FCRA ). I am filing a complaint against the remaining disputed fraud accounts. As a victim of identity theft, I demand the immediate deletion of the remaining fraudulent accounts from my credit report. The continued presence of these entries is causing irreparable damage to my creditworthiness and overall financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know how the theft took place, and I have no information about any suspects involved. I did not receive any money, goods, or services as a result of identity theft, and I demand that my credit report reflects this truth.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I opened a Chase Freedom Unlimited Card in XXXX of 2024 as the promotion on their website says Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. I spent the {$500.00} the first month I opened it and have been patiently waiting for my {$200.00} bonus to kick in. I called them today, XX/XX/year> and the representative informed me that when I signed up, they didnt have that promotion going on. The rep talked to the supervisor and they both claimed that they didnt have it at that time. 
I, myself, own multiple credit cards with XXXX XXXX XXXX. I am financially responsible, will only open a new credit card if there was a promotion for it. My point being is I wouldnt have opened this Chase Freedom Unlimited if they didnt have the bonus offer, but they did have that offer that same day I applied and got approved XX/XX/year>. 
This is false advertising, very misleading information to ultimately scam users into signing up for their credit card with nothing in return.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I didn't authorize them, and I don't have any information about them.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I have been receiving calls for the last XXXX years for a XXXX XXXX ( not me ) about a payday loan. I have asked - repeatedly- to remove my number from their data base, I have received threatening calls, harrassing calls - this is not nor has ever been my debt
Product: Credit card or prepaid card

Key Bank credit-card customer service stated XX/X/17 my card had been "blocked" - that a "block" had been put on my credit card but could not explain why and/or the reason for this. Key Bank credit-card customer service also stated that in order to receive my new credit card (with new expiration date etc.) I must pay my entire overall balance in full.
Product: Debt collection

I received a call from an unknown number on my cell phone. The caller gave the name " XXXX '' but did not leave a company name. He said that he will be coming over ( did not say where ) to get my signature and that I needed ID. He said that I had to call XXXX if I needed to reschedule. If I google that number I find a ton of complaints. Apparently this is a debt collection company that is acting illegally. He did know my name and phone number so he had some information about me.
Product: Money transfer, virtual currency, or money service

My card was charged from this company without my consent. I do not have an account with this company nor dont know how they got my card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Checking or savings account

Etrade Morgan Stanley Private Bank sent me a direct email with a promotional offer of XXXX $ for doing two direct deposits of XXXX or more. I went ahead and clicked on the link and opened the account. The account has been opened and was about to fund it and as part of the validation of the promotion, I checked with the customer service reps both on chat and phone on whether I was enrolled or not. Both the chat reps and phone reps kept issuing new case/reference numbers and the promotion team keeps saying there was a 'mystery ' old account but no one has given me a reason as to why my promotion enrollment was rejected. If there was an issue to begin with, why send me a direct email with promotion and make me open an account to begin with. This is clearly bait and switch and a constant run around from them without resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates I can not provide as this problem has been ongoing for about 2 years and everytime I call them I am under the assumption that my problem was resolved. It started in winter of 2016 when I asked them to cancel my subscription. They did for few months when I started to get billed again. Since then I have called several times and I am always fighting with them. Last phone call was before the new year and the person I talked to wouldnt accept my cancelation. Instead he kept giving me rebuttals. After an hour on phone I accepted 2 months at XXXX and was supposed to be canceled then. As of today, it hasnt stopped. Money is still being taken out of my account. This is 3 times already over about 2 and half years. Everytime I call it always ends up in their favor no matter what. Im to the point I dont even want to call anymore but I want this stopped. The fee was little over priced at first ( which I dont remember ). Then they dropped their price everytime until now and its XXXX reaccuring.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CEPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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: Payday loan, title loan, personal loan, or advance loan

Dear CFPB Representative, I am writing to respectfully request the reopening or continued review of my recent complaint against M & T Bank ( Manufacturers and Traders Trust Company ) concerning the failure to provide valid, legible, and enforceable documentation regarding a disputed XXXX XXXXXXXX XXXX 
Case Numbers : XXXX, XXXX Background : After months of repeated requests directly to M & T Bank regarding Loan Account Ending in No. XXXX, I was repeatedly informed that no signed loan documents could be located. This included in writing confirmation from bank representatives. As a result of M & Ts failure to provide any documentation and multiple request ignored, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). Only after the CFPB intervened did M & T Bank finally produce documents not to me directly, but as part of their response to the CFPB. Even then, the documents were incomplete, completely unreadable, and lacking clearly legible terms and disclosures, including interest rate details. 
Current Issue : The documents M & T Bank submitted in response to my complaint are incomplete, degraded photocopies, many of which are illegible and unreadable in critical sections. The following essential information remains unclear or missing : The full interest rate structure and calculation ( only partially visible as floating based on XXXX + 2.50 % with an initial rate of 9.25 % adjusted quarterly ). 
The repayment terms and amortization schedule. 
A fully executed borrower agreement outlining rights and obligations. 
Any consumer disclosures required under TILA or other federal lending laws. 
The document quality is so poor that it does not meet legal standards of enforceable documentation, and I have still not received any follow-up directly from M & T Bank acknowledging this issue or attempting to remedy it. This appears to be either gross negligence or a deliberate avoidance of regulatory scrutiny. 
I respectfully request that CFPB take the following actions : 1. Reopen or continue the investigation into this matter.

2. Require M & T Bank to submit a clear, fully legible, and signed copy of the loan agreement and all disclosures provided at origination.

3. Investigate M & Ts practices regarding recordkeeping, loan enforcement, and regulatory compliance related to XXXX XXXXXXXX XXXXXXXX 
This matter remains unresolved and materially affects my business and financial records. I appreciate your attention and assistance in ensuring compliance and accountability. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

15 USC 6803 Disclosure of Institution Privacy Policy. I XXXX XXXX here on behalf XXXXXXXX XXXX\Principal are notifying National Credit Systems are violating my principals right to privacy. Henceforth you and your client are sharing non public information which furthermore violates the principals rights and federal law without the principals consent. If these torturous acts are to continue you will be held civilly liable for willfully and knowingly causing harm to such principal, you have been notified if this continues we will bring litigation to one of the high courts of the land concerning the matter.
Product: Checking or savings account

XX/XX/2023 im trying to add my American Express Serve account to my XXXX  payment method but its not wanting to work
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was sent from Dovemuhle to XXXX bank without my notification. We had automatic payments setup and as a result when it was sold, we no longer were paying our mortgage. As we were not notified, we were not aware of the new loan, or where to make payments. This has negatively impacted our Credit Score -XXXX points. This will severely limit our ability to apply for another mortgage, get a fair interest rate, and be considered for rentals.
Product: Credit card or prepaid card

I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX XXXX reported negative marks 30,60.90,120 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve
Product: Credit card or prepaid card

Around XXXX my ex husband and I opened a Wells Fargo XXXX XXXX credit card. We then closed the account. Last week I was checking my credit report and I saw that this credit card company keeps reporting this card and it is affecting my credit score negatively. This account was closed around XXXX. I do not understand why they refuse to remove it off my credit report as a bad mark. I tried opening a dispute through XXXX but XXXX XXXX refused to change anything on the credit report.