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

Consumer Financial Protection Bureau Case # XXXX I recently made a compliant about Discover Financial Services attempting to collect on a alleged debt from me the consumer when I asked for a copy the contract with my wet ink signature I received a letter stating Please Understand due to the age of the applications copy is no longer available to provide. 

If there is no copy or proof of a application or contract on file how can Discover Financial Services continue to violated my rights as a consumer. NO CONTRACT NO OBLIGATION TO PREFORM. 

15 USC 1681 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, did attempt to resolve this with rent recovery solutions, and they blatantly lied here to the CFPB. I only attempted to have Rent Recovery Solutions send ANOTHER letter to XXXX  because XXXX  said they DID NOT receive the first one. 
I called every week once a week until now, because Rent Recovery Solutions NEVER REPLIED TO VOICE MAIL OR EMAILS. They are the problem now, they are reporting an account that does not belong to me, that is fraudulent and in fact,, Rent Recovery Solutions is BREAKING THE LAW by not getting their account off my credit file. They lied about me, they refused to listen to my issue, they transferred me to XXXX instead of sending another letter to XXXX because XXXX  claims they did not get the first one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; US DEPT ED XXXX XXXX : {$320.00} ; US DEPT ED XXXX XXXX : {$560.00} ; US DEPT ED XXXX XXXX XXXX {$1200.00} ; US DEPT ED XXXX XXXX : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX XXXX Trans Union credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account Number : XXXX and XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX Credit Reporting Agency and Equifax Credit Reporting Agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, XXXX  on XX/XX/XXXX under the account number XXXX. An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

To Whom it May Concern : I am filing a complaint with you about PHH Mortgage company. Our mortgage was sold to them about 4 months ago from XXXX XXXX. 
We decided to refinance with our local credit union with whom we do all our banking. We closed the new loan and paid the balance of loan with PHH Mortgage off on XX/XX/XXXX. After the loan was paid in full we were informed there was a balance of over {$700.00} in our escrow account that would be returned to us by PHH. As of today, XX/XX/XXXX, we have not received our payment. I have contacted them by phone at least 5 times asking them what was the delay in receiving our payment. I was told the check was issued on XX/XX/XXXX. 20 days after our closing. So, as of today it is nearly two weeks since the check was, supposedly, issued and we have not received it. I have informed several people at the company, in my many phone calls, that if my mortagage payment was as late as the check they are supposed to be sending us, they would have charged me a huge late fee of XXXX to XXXX dollars. It should also be noted that every person I talked to was obviously someone from out of the country due to their strong accents. So not only is the this company holding on to my monye they are also outsourcing our jobs. This behavior is outrageous and something should be done to prevent these financail institutions from taking advantage of consumers. As it says in the song " the rich get rich and the poor get children ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

This complaint is the follow-up of the complaint ID XXXX that the Consumer Financial Protection Bureau ( CFPB ) closed it down UNFAIRLY. 

I am writing this complaint to complain to both Capital One, and the Consumer Financial Protection Bureau ( CFPB ). 

I am complaining that the employees of the Consumer Financial Protection Bureau did not read my original complaint then UNFAIRLY close the complaint down. You are a federal government agency. You need to be fair. 

I am complaining that the employee " XXXX '' of Capital One did not read everything and NEVER respond to the complaint ID XXXX. 

In my original complaint of the complaint ID XXXX, I said that the employee XXXX XXXX XXXX of Capital One is a lazy person, did not do everything throughoutly. I said that I went back to my bank statement and check over the transactions on XX/XX/2023 and found that XXXX took out all seven transactions each of {$7.00}, they did not credit me back anything. The employee " XXXX '' of Capital One lied. She did not even read my entire complaint and requested her to check her work. She only sent the response that she previously sent to the XXXX XXXX XXXX
Product: Student loan

I have been making student loan repayments to XXXX XXXX for approximately 4 years. I was under the impression that the program/plan that I enrolled in was for those employed in XXXX XXXX jobs. This program was to forgive one 's remaining debt if on-time payments were made over a 10 year agreed term. Each year, I have been required to complete a re-application for the income-based repayment plan. When my re-submission was reviewed for upcoming 2018, I was informed that I was denied. After a number of phone calls yielding little to no information over the course of three months, I was told that I never completed a " employer certification form '' and that the years of monthly repayment may not have been valid toward the plan thus, not making my loans " forgivable '' after 10 years of participating in a program that I thought I was a part of. I was never made aware of the form that needed to be completed by my employers ( I 've been employed in XXXX XXXX XXXX XXXX XXXX during my loan repayments ) until this week. Now, I am expected to make payments for approximately {$600.00} a month verses the {$220.00} that I have been making. This is just completely unreasonable and XXXX has done nothing to assist me. To make things worst, they are giving my wife an even more difficult time with her loans. The expectation of our family paying roughly {$1400.00} a month for student loans for the remainder of my working years is completely unfair and irrational. I have found that a lot of people across the nation have had similar problems with XXXX XXXX. There has to be a better way. I have paid thousands of dollars toward this debt only to see minor dents made in the large sum that is still owed. The interest just seems to keep me in a position of never making in progress -- I 'll be paying on this until I die. This is just crazy.
Product: Debt collection

Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up.
Product: Credit card

I opened a card with Old Navy through BARCLAYS in XX/XX/XXXX, and today XX/XX/XXXX of XXXX. I called them to ask about my account because I was under the impression that it was closed because I had paid the balance over a year ago when speaking with them, they said they had no record of statements, and that my account had been charged off to XXXX  XXXX XXXX During this time I had never received any communication through Old Navy about my credit card or about my statements or my debt. Or notification that my account was being charged off. I didnt know that debt existed. XXXX XXXX XXXX. they gave me the phone number and I contacted XXXX  when speaking with their sergeant. This was the first time they had ever spoken with me. They had no statement records and had never contacted me to verify debt. I explained to them that they had never contacted me and they looked over my account and had confirmed that they had never contacted me or had never received a statement. They did not have my address email or phone number after speaking with them, they put a dispute in with their team, but my account was at XXXX dollars, Ive never been verified about this debt or communicated about it with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date PAID : XX/XX/2018 Amount paid in full {$500.00} Company : XXXX XXXX XXXX My problem is with TransUnion. within the last two month, they are reporting information that should be updated to pay and closed. but the information read as a collection/charged off on my report. I had sent in proof that this account was paid in full.and the status of my report should a positive on my credit report and my credit score should go up. Can you please look into this problem. thank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit card

I HAVE NO KNOWLEDGE OF THIS COMPANY!!! I HAVE BEEN TRYING TO GET THEM REMOVED OFF OF MY CREDIT FOR AWHILE. ITS HARD TO GET IN TOUCH WITH SOMEONE THERE WHO SPEAKS XXXX. PLEASE HELP AND REMOVE.
Product: Credit reporting or other personal consumer reports

I noticed I had 4 hard inquiries on my XXXX credit report Vanderbilt XXXX XXXXXXXX XXXX XXXX  twice, once XX/XX/year> and XXXX XXXX, XXXX XXXX XX/XX/year>. I would like for these hard inquiries to be removed. According to the FCRA, Unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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. XXXX. Account Name : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT ED/AIDV Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX  Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX
Product: Prepaid card

On XX/XX/2023 I purchased the prepaid XXXX dollar gift card at XXXX XXXX after opening the card I saw that theres no cvv and theres also no chip on the card I contacted the company XXXXprepaid gift balance multiple times the first date I contacted them was on XX/XX/2023 and I was told to activate the account but you cant activate the prepaid card without a cvv, the next day I had called the company and had asked them if they can tell me the cvv number but I was told that they cant access that information. I was upset and stressed because I had experienced a scam without even activating the card.
Product: Credit reporting

Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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

In 2018, I walked into the store XXXX XXXX to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, Acima the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise acima that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell Acima I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called Acima at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called Acima and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by Acima. I have disputed this entity on my credit report for years, and was advised by an XXXX employee agent to file a complaint with your company.
Product: Credit reporting or other personal consumer reports

Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We randomly had our Square Inc. acct closed/canceled/deactivated by Square Inc.

We did not receive any information as to why, all people spoken to sounded like it was bad to give us, the paying customer, any additional information. Then they put your number on the automated responses only list, so you can never reach an actual person. We have almost {$300.00} in the acct, and theyve ghosted us. We reached out through XXXX, had XXXX response asking us for more info, and then ghosted us. We did not get any update or email confirming why they did this, and when we can get our money back. Ive tried numerous times to transfer my money out ; and theyve blocked me from being able to do so. This is illegal! 

This is for our business acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX