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. 

XXXX : 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 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, credit repair services, or other personal consumer reports

contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX  and Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XX/XX/XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my XXXX card to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XX/XX/XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a supervisor and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX Prior to XXXX XXXX I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX I charged my Barclay Card ( XXXX XXXX XXXX ) three separate charges in the amounts of {$500.00}, {$300.00} for deposits on a XXXXXXXX XXXX that was to take place in XXXX of XXXX. In XX/XX/XXXX I charged the balance in the amount of {$3300.00}. Due to covid the cruise was cancelled and rescheduled several times over the next year. In XX/XX/XXXX we requested a refund from XXXX. {$400.00} did get credited to my account. They said at the time that it could take 6 months or more for the full refund. I was patient. I called periodically. Finally in XX/XX/XXXX I contacted XXXX who told me that the entire refund had been sent back to Barclay card US. I never got the credit. At that time I submitted a dispute. Barclay has declined the dispute stating that since the original purchase was 2 years prior they will not investigate nor credit my account for the services that I did not receive.
Product: Checking or savings account

The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.
Product: Credit reporting or other personal consumer reports

" A vehicle loan debt has been incorrectly reported on my credit report. I have no knowledge of this loan, nor have I ever taken out a loan for this vehicle. This inaccurate information is unjustly affecting my credit score. I am requesting that this erroneous debt be investigated and removed from my credit report immediately. '' BALANCE {$4100.00} ( TRANSUNION AND XXXX ) XXXX XXXX Open Date XX/XX/year> 2017
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Debt collection

HRRG calls every day using their automated system even when monthly payments are being made.
Product: Vehicle loan or lease

Fraudulent loans!

Santander targets a population of people with poor credit approves them for very high interest loans that they know will soon default ruins their credit and put judgments against individuals to repossess property Santander targets a specific population and make fraudulent loans for used vehicles Santander is in urban areas and prey on vulnerable people.

Santander has a history of Inadequate or false disclosure Risk-based pricing Inflated fees and charges Reverse Redlining And has had class action lawsuits. Santander is in house financing company that is illegally approving loans as well as falsifying figures to approve loans under the pretense of future default. Santander is housed in car dealerships that close and change names due to unlawful/illegal activity and bad reviews.
Product: Debt collection

Regarding : Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX Dear Sirs ; As a debt buyer I expect and require you provide a copy of the application for credit with my signature electronic or otherwise for proof this is my debt. According to my records this debt does not appear on any of the three XXXX, XXXX XXXX or XXXX   credit reporting agencies credit reports was not authorized for me or by me was never mine I submitted a complaint to the XXXX. The ID # is XXXX. 
I have submitted a complaint to Texas Attorney General My record keeping does not suggest I have this debt. They do not have any evidence to substantiate its claim that this debt Breach of Contract XXXX  XXXX Account Ending in Visa Credit Card XXXX {$1300.00} Case Number XXXX XXXX is a legitimate debt. Furthermore, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. 
While I understand LVNV Funding LLC, ( LVNV ) buys past due debts from banks and finance companies. LVNV then hires Resurgent Capital Services LP ( Resurgent ) to manage that debt, and hires XXXX XXXX XXXX to prosecute consumers, this is NOT acceptable. You did not complete your due diligence in this matter because this is not my debt. I want your company provide proof this is my debt.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX XXXX, I opened 2 credit card with Capital One and was making payments as agree. Back in XX/XX/XXXX some one hacked my phone and my identity was stolen with all my personal information. I reported to the 3 Credit Bureaus, FTC, and the CFPB I was going to file a Police Report and the local police department was only taking emergency call because of the pandemic. The people who stole my information opened some accounts and used the one I had. They Also try to use my checking account and debit cards. I had to closed and open a different account. They even try to pretend to be me to my family down in XXXX to steal money. They hacked my XXXX account stole my picture. In the meantime I keep paying my capital one account until I got a email saying that my accounts was restricted. I call capital one and they said the reason was because my payment for {$2900.00} was declined. I told the girl I never made that payment. She said they will send me a link so I can answer some questions. I never got the link. Find out reason I never got the email was because they restricted my accounts they looked all the email and I was unable to make any changes to the account. I was receiving all my correspondence by email. I move from the address I was leaving back in XX/XX/XXXX. Never received a statement never received a email I was unable to make payment or make any changes for my account. So I keep paying my small account until today just go to capitalone.com and pay. As of today my account still say the account is restricted. I lost track of this account and one day my roommates told me a man came knocking on the door asking for me and give her the letter. A summons that I being suit by capital one. I believe that the person delivered the summons broke the law he didnt even ask for Id to make sure he was delivering to the right person. Also I call the law office explain what happen and they told me to fax all the documents I had to back up what I was saying then I needed to file a Police report. 
What Im disputing is all the charges of late fee over the credit limit and court fees. This is not my fault you restricted my account and never sent the link to answer the question. Also remove and delete all negativity from my credit reports. And for the inappropriate delivery the summons to a 3rd party and exposing my personal business to a 3rd party I asking to consider this account paid. 
Account number XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. 
File number XXXX
Product: Student loan

I filed a previous complaint and fed loan closed it out but the issue is not resolved. 

Can you please provide documentation for the administrative forbearance from XX/XX/XXXX-XX/XX/XXXX, the reduced payment forbearance from XX/XX/XXXX-XX/XX/XXXX that you noted in the payment history. Also, will I get Qualifying payment credit for the National emergency forbearance from XX/XX/XXXX-XX/XX/XXXX due to the pandemic. I still maintain I have made more than 87 qualifying payments and payments are missing from XX/XX/XXXX to XX/XX/XXXX and I have provided banking information to support this. My employer sent you employer certification forms reflecting this. Also, I have requested electronic confirmation to support that fed loan sent my information to federal student aid Department of education for review for the temporary expansion forgiveness program which is a finite program. I have made more than 120 qualifying payments. Time is of the essence. Thank you so much for your help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to their costumer service problem and lack of communication and support, which i have found it be in violation of the Customer Financial Protection Act ( CFPA ). Also Cash App has failed to take timely and effective measures to prevent address fraud, leaving my account compromised in safety. Their last dispute was unfair and deceptive as they did not comply with the error resolution requirements from the Electronic Fund Transfer Act ( EFTA ) and regulations E. Their actions have caused me to loose money and i seek appropriate compensation and redress for these violations.
Product: Money transfer, virtual currency, or money service

Ive been locked out of my account since XX/XX/XXXX and it is now XX/XX/XXXX. I opened a support request with Binance US to reinstate my account and provided answers to their initial questions. I have not heard back since XX/XX/XXXX despite following up numerous times. I can not get into my account nor can I get a response from their support team. I need to access my account data in order to file my tax return on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. 
The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
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. 

1. XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX 2. Dept of EDXXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 3. XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 or crimes which antedates the report by more than 7 years.

15 USC 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

I received a collection notice from IC solutions reference a disputed XXXX  cable bill which was not incurred. The collection agency did not care. XXXX  tried to bill for services when I did not live in the residence and services were cancelled and equipment was returned. The ongoing dispute was that they were charging me for cable and internet when I only had internet service. This was an ongoing dispute with spectrum. Depending on whom you talked to it was resolved and then reoccurred on the billing. You had to spend hours on the phone with them each and every time. I told IC Solutions and mailed them I did not incur the bill. I ask that this collection be removed from my credit report asap. 

XXXX XXXX
Product: Debt collection

I received a letter from XXXX  XXXX XXXX, on behalf of US I /XXXX. Based on the information by XXXX this account was opened without my knowledge from XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry on my account I do not recognize and I want all my credit inquiries removed from all XXXX credit bureau. I dont know how someone have my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The Equifax credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points  difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Product: Debt collection

NCC Business Service is attempting to collect a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is supposed to help your credit by paying all of your bills through the app and then they report it to your credit bureau. This app would not let me connect my bank account to its account. Therefore I could not pay a fee on time. But after speaking to them, they saw that it was an issue on their end and Said that they would rectify the problem with the credit bureau to remove the late payments. That was at the end of XXXX and they still have not removed it. I have tried to dispute this with XXXX that did not work. I have proof of them telling me multiple times that they have fixed their problem, but my credit report is not reflecting that.
Product: Money transfer, virtual currency, or money service

I am a long-time customer at Chase Bank. On XX/XX/2021 unknown persons gained electronic entry to my business account. Those people made 3 separate ACH withdrawals totaling {$15000.00}. I went to my local Chase Bank, reported the fraud. Chase closed the old account, opened a new one, and credited {$15000.00} to my new account. 
On XX/XX/XXXX, unknown person gained electronic entry to new account taking {$9000.00}. Went back to Chase and reported theft. On XX/XX/XXXX, unknown person again gained electronic entry to same account and stole {$4000.00} electronically and another {$1500.00}. I went back to Chase again. On XX/XX/XXXX, Chase credited the amounts stolen. On XX/XX/XXXX, I went to Chase and opened a savings account, where no on-line access was allowed. I put in {$10000.00} into this account and on XX/XX/XXXX I put another {$5500.00} into this account on XX/XX/XXXX. 
On XX/XX/2021 Chase Bank took back of of the credits they gave me as a result of the theft and did not notify me of this. I went into Chase on XX/XX/XXXX because I saw my business account was overdrawn by {$15000.00}. Chase told me they could not find any evidence of fraud and were taking back the reimbursements they gave me. The fraud department refused to give me any additional information. 
I never opened an ACH account for bills to be paid from my business checking. I don't know who stole my money, or why the Bank won't give the information. The people I have dealt with at Chase were XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
XXXX XXXX helped me to file a complaint with Chase bank account. 
This is ruining my credit and my small business. 
The Bank won't give me information and never sent me any notice.This is just wrong.
Product: Checking or savings account

Two unauthorized, fraudulent charges were removed from my checking account ( total {$1000.00} ) on XX/XX/XXXX. I was told that my money would be returned within 10 business days. Today is XX/XX/XXXX, and the money has not been returned.