23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ED FINANCIAL/XXXX Has violated many of my rights concerning my privacy and securities. 

Per 16 CFR 313 model privacy form. I have a right to opt out of the company sharing my personal and financial information.

Per 16 CFR 313.7 methods of opt out. I sent a written notice to the company of me reserving my rights verbal non verbal written non written.

15 Usc 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX, Equifax, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX -- -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and Equifax ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
Product: Debt collection

To clarify : it was not a bankruptcy, I just did not know which other option to choose. 
On XX/XX/XXXX, TransUnion had accepted a dispute and deleted the account credence resource management in the amount of XXXX resulting from bring a victim of a natural/ declared disaster. TransUnion acknowledged the dispute two more times under the account ad astra recovery service on XX/XX/XXXX and XX/XX/XXXX. Since then I have repeatedly been denied credit and have had to indure my credit score to drop because this account. It's apperard twice as an ic system account but I was denied both times when disputing. I acknowledged my faults for not understanding which answer to choose, being under the impression I no longer owed that debt nor had to claim responsibility. But when disputing this last time, I was denied once again. In my opinion, TransUnion failed to do their due diligence and has caused me much suffering XXXX XXXX  since XXXX.
Product: Checking or savings account

I have had an ongoing issue with JP Morgan Chase bank Fraud department, accusing and freezing my checking account and refusing to allow for me to use the account. even though I have been able to open an account, with no issues, however when it came to depositing my pay checks via online mobile app, they froze my account and made accusatory comments and statements that i have shown a history of fruad and they wouldnt unfrezze the account. however I have provided to the fraud deparment numerous times valid information which would show i was a victim of identity theft, i provided documents to support this claim including a police report for them to review.
Product: Credit card or prepaid card

I sent Capital One a letter in the mail stating that I didn't agree with there decision on not approving my application for a credit card. I sent them a letter certified mail asking them to reassess my consumer credit transaction and approve my application as a denial is unlawful. They sent me a vague letter responding to my initial letter asking me to contact them about the matter and when I did they couldn't find my application.
Product: Checking or savings account

Dear Sir/Madam : Hi! 
I want to complain about my quick pay service with the chase. On XX/XX/2018, I made three quick pay payments to my friend ( {$150.00}, {$25.00}, {$1000.00} ). The quick pay normally is instant but these are on hold for some time. I got a call from chase to verify the payments and I thought it was done. Three days later, my friend told me that he did not get the payment at all and he already changed his linked account on the quick pay phone number. I have to send him a check with other checking accounts. I called chase and they told me the fund will be reversed in a few days. But I never get a refund. I have to escalate to several levels and even to their executive service for that. Till now, they refused to refund the money back and told me there is nothing they can do about it. 
I have to escalate this to you and hopefully, this could be resolved. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
List the accounts Accounts TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

TYPE OF ACCOUNT : COLLECTIONS ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
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 Consumer Financial Protection Act. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I signed up for a PayPal credit account understanding that when I made purchases over an intro offer when those expired I would pay XXXX interest. Those expired and I was charged too much interest for the last two months. On a XXXX balance XXXX should be the monthly interest charge. I was charged XXXX the first month and XXXX the following month once the XXXX kicked in. I tried to contact them and the agent couldnt do math with me and told me it was completely normal for my minimum payment to be below the interest charged amount. My minimum payment is XXXX so this does not cover these charges and the problem will become exponential.
Product: Debt collection

PORTFOLIO RECOVERY for XXXX XXXX Acct ending in XXXX is reporting false debt due on my credit report. The account is in good standing - it is part of a Federal Debt Relief Program where the balance was negotiated, and is almost paid off. They need to reclassify and not consider this account a major delinquency when monthly payments are being made on time. I am attaching a letter in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Numb
Product: Checking or savings account

This is a New Jersey based bank, I opened this account in XXXX and closed in XXXX, relocated and invested in further development... 

Too busy ... .at the time... my interest rates accrued were not enough ... or not deposited at all They have all this info.archived.
Product: Payday loan, title loan, personal loan, or advance loan

I talked to a manager at OneMain. The 1st thing I would like to say is the I might be taking legal litigation under the laws of Harrassment Breach of contract The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using false, deceptive, or misleading practices. 

Not only did this person have a bad attitude towards a client but she also lied and used very illegal business practices in order to get me to pay The first false practice that this company made is by telling me that if I didnt pay a certain amount my account would be closed. But based on the amount they were asking me to pay I would have only been 60 days late. She specifically told me either pay this certain amount or your account would be closed. The amount she asked me to pay was {$730.00}. Which would bring my account current. And the policies on OneMain website doesnt state anything saying that if Im 60 days late that my account will be closed. 90 days late is possible but 60 is definitely not possible. They were attempting to use tactics of fear to get me to pay money I didnt have. Which is unlawful as a creditor. And it absolutely worked And after all of the scary tactics I made my payment on the XXXX which is my due date. For some reason the payment did not go through and Im thinking its because of this unpleasant conservation I had with the manager. OneMain was attempting to say that my funds were insufficient which I can prove to be completely false I have my statement from my bank which shows my account having over {$1000.00} the day of the XXXX and even after. If XXXX or OneMain isnt willing to help me by removing my late payments just by removing these late payments. I definitely will be goin through with any legal action I can. Which might be more difficult for everyone but atleast Ill be ensuring that this person cant do this to another client of OneMain.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to access my Experian account to unfreeze my credit without success. I am in the process of applying for a HELOC so I need unfreeze my credit. On XX/XX/year> I tried to access my account again and it appears that someone has hacked my Experian account. The email and phone number associated with the account is not my information and not the correct information associated with the account. I reached out to Experian customer support and was on hold for 45 minutes before I was able to speak to a person who then transferred me to their automated phone system that did not allow me access my account or did not transfer me to someone in their fraud department. I am now on hold again.
Product: Credit reporting or other personal consumer reports

I contacted the company to inform them I was XXXX XXXX XXXX XXXX and I was a XXXX. I also told them I was a victim of id theft, and that the entirety of my credit report including all inquiries and accounts were not mine. As a XXXX  I should not have a credit report. I asked to have it all investigated and all information removed. I am now XXXX XXXX of age as of writing this. The id theft occurred when I was XXXX years of age. I did not authorize anyone to add or create for me. The credit reporting agencies did nothing but delete a few things but everything should have been deleted. I provided all documentation such as ssn card, government issued id, ftc id theft report, and a local police report, I also wrote a letter addressing my concerns and what id like done to resolve this issue. but, again this company did not help. so now I write a complaint because at XXXX XXXX XXXX I should be building my credit. all the information is fraud and needs to be removed immediately.
Product: Mortgage

We have our mortgage through Mr. Cooper. This company purchased the mortgage from a previous mortgage company. I had set our mortgage payment as a recurring bill pay payment from our checking account. On XX/XX/2021 our payment came out of the checking account. For some reason it was sent back to our checking account on XX/XX/2021. We normally receive our mortgage statement mid month. We did not receive the XXXX statement until XX/XX/XXXX. It showed the double mortgage amount due plus a late fee. This is when I started my research and found that the payment had been sent back. I attempted to contact the Mr Cooper on Monday, XX/XX/XXXX. They were closed. I manually made my XXXX and XXXX mortgage payments through bill pay but did not submit the late fee. On Tuesday, XX/XX/XXXX I spoke with a customer service representative and she documented everything and was going to reverse the late fee. She also gave me an email address to submit everything so that our credit report was not affected. I submitted my statement along with a copy of the page from my bank statement that shows the payment coming out and then refunded. Their letter stated that they reported everything correctly which was vague to me. 

I checked my credit report but everything was reported through XX/XX/2021. I recently checked my credit report and they reported a late payment. The late fee has not been refunded either. I am currently on hold trying once again to get the late fee reversed. 

If I had received the mortgage statement mid month as normal the payment would have made sooner. This incident has changed my credit rating from exceptional to very good and my XXXX  score has dropped XXXX points. 

I just got off the phone with customer service and they say they are going to reverse the late fee and resubmit my claim. I feel I shouldn't have had to resubmit anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) (  E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to modify my mortgage sine XX/XX/2016 with Select Portfolio. 
Its now XX/XX/2016 and still nothing has been done. I followed there instructions of going on to there website and checking on my status loan and the website does not work If I do NOT call them I have NO idea if they need additional information.I have cooperated by sending them any documents that are missing by uploading them because its quicker and they receive it in 24 hours. I call them faithfully every week and they tell me the same thing that every thing is fine your in review and it takes time. Yesterday I was served with foreclosure complaint for the FIRST time and its not even the intent they went right to the complaint and when you call SPS they have no idea whats going on. 
Im upset because I want to save my house and I have followed there direction followed there rules and they never wanted to help me at all. They lead me to believe that they were going to help me and they had NO intentions ever to help me.When I called SPS and questioned the foreclosure complaint they told me to call a certain number and extension and when I called it turned out it was there attorneys office that represents them. The attorney was rude and basically spoke down to me and he proceeded to say that they were n't going to HELP me and that they were ACCELERATING my foreclosure and with in a few weeks I would have a sheriff sale so I should start looking for a new home. 
Why would SPS do all that and lie to me this whole time. I trusted and believed that SPS wanted to truly help me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL Alleged Account number XXXX I have received small claims court papers inside my mailbox ( where the process server placed them ) demanding payment for an account/credit card i do not own nor opened. I have never owned a Capital One account and this alleged debt does not belong to me, this account was opened fraudulently, without my knowledge or consent and this is now the second notification that I formally dispute this claim/debt and seek verification. Pursuant to local state laws as well as the FDCP and FCRA. 

As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Checking or savings account

I have been a victim of fraud several times in the last XXXX  years due to having to handle financial business over the internet and security breaches. As if being victimized isn't enough of a burden, USAA compounds the issue by mishandling the disputes, taking money they shouldn't then restricting my accounts when I complain so then I can't even access my money. USAA has taken back provisional credits in huge amounts for disputes they didn't even do the investigation and just assumed it wasn't fraud while finding the fraud dispute in my favor for charges related to the same event for the same company then refuses to reinvestigate the case. Meanwhile they restrict my account and debit cards stating fraudulent activity so I can't even access or transfer my money out of my account, pay bills, or even use my money.