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

XXXX XXXX notified me that a derogatory information was filed under my account. 

You have a new derogatory mark on your credit report Detected on XX/XX/2024 Lender : CREDIT MANAGEMENT LP Balance amount : {$680.00} Opened on : XX/XX/2024 Phone number : XXXX XXXX XXXX XXXX When I called and asked what this report was about, she would not tell me unless I gave her my name and address, which I did. Then she demanded my birth date and social security number. I told the person that I am not going to, she kept on insisting/demanding that I do or she will not tell the info. After several going back and forth, I had to end the conversation, Then I received another notification from a credit card monitoring service that I had a change in credit score. When I opened XXXX, my score dropped XXXX points. 

I filed the dispute with XXXX on the morning of XX/XX/XXXX. Then I called CFPB on XX/XX/XXXX and received instruction on how to file a complaint,
Product: Money transfer, virtual currency, or money service

Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company. XXXX is my email address that the account is on.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. On my credit report my name is spelled so many different ways and it is negatively affecting my credit score. Also my employers are incorrect as well as addresses I no longer use or have never used.i have disputed this with the 3 major bureaus and they never remove them.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I recently opened up a checking account at the Key Bank XXXX XXXX XXXX location with XXXX XXXX. I opened this account because she said it would drastically increase the interest rate on my CD. I already have a checking account that I am happy with, so I informed her that I would not use the new account and would there be fees if I did n't use it. She said no as long as I kept {$50.00} in the account. So I went ahead and opened the checking account. 

I received a letter dated XXXX XXXX, 2015 informing me that I would be receiving an inactivity fee on this checking account. This was surprising to me because I know I specifically asked about such fees associated with this account. The representative did not disclose this to me and led me to open a checking account which I do not want. 

I called the number listed on the letter and they said that this is correct, I will be assessed fees. I understand how to avoid these fees but my issue is the total misrepresentation of my account by your banking rep. 

At the time I opened the XXXX I was also told there would be no fees to transfer money from my savings account with them to the XXXX however, I was charged a {$50.00} fee.
Product: Credit reporting or other personal consumer reports

Cavalry Portfolio Services is reporting the wrong open date after they bought a debt it was disputed not a valid debt. how ever Cavalry Portfolio Services is reporting open date XX/XX/XXXX but this account was opened on XX/XX/XXXX is account is clearly out of statue of limitation. Per FDCPA 15 USC 1692g XXXX XXXX Cavalry Portfolio Services has clearly violated the law. 

XXXX XXXX last XXXX ssn : XXXX add : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX hit, forced place Insurance at time Borrowed filed a claim on the damages, structure damages only roof, walls, ceiling, floors in heavy rainstorms water comes in through the doors, windows, mold. 
XX/XX/XXXX Foreclosure documents default {$17000.00} on forced place Insurance. 
XX/XX/XXXX, we get call from adjuster lawyers office, stating they were not able to help with the claim based on borrow has no right to file claim on property. 
Present XXXX damages are worse, mold has gotten in closets, bathrooms, rooms, kitchen new cabinets are deteriorating from mold and now we are bound to mortgage lender and insurance company on behalf of all damages.
Product: Credit card

I called Citi in XX/XX/2023 for a retention offer for my Citi premier card. I was told over the phone I would get a {$95.00} statement credit and XXXX Citi points if I spent {$1000.00} on my Citi card within 3 months. I spent {$1000.00} within 1 month. Citi still hasn't given me the statement credit or the points, they are claiming I only spent about {$300.00} which is completely not true if they just used a calculator and added up my charges. It is ironic that a bank can't even do math.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for the data breach that occurred on XX/XX/, which has profoundly affected my life. The breach led to the unauthorized exposure of my sensitive personal information, including my name, Social Security number, phone number, previous and current addresses, date of birth, and other personal details on the dark web. 

This egregious breach has led to unauthorized access and misuse of my personal and sensitive information, causing significant financial harm and damage to my reputation and credit score. The long-term implications of this breach on my personal and financial well-being are deeply concerning. 

I have noticed several inaccuracies on my consumer report following this breach, including unfamiliar addresses, late payments, unknown names, and both hard and soft inquiries that I did not authorize. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), the Privacy Act, the Fair Debt Collection Practices Act ( FDCPA ), the XXXX XXXX XXXX XXXX XXXX, the Telephone Consumer Protection Act ( TCPA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 

The accounts listed on my consumer report without my written or verbal consent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In response to this breach, I have taken proactive steps including setting up a Fraud Alert and taking Identity Theft action. Despite these measures, the impact of the breach continues to be a source of distress. 

I demand the immediate removal or deletion of all inaccurate accounts and inquiries from my consumer report. Additionally, I am seeking monetary compensation for the violations and the breach of my personal information. 

Equifax 's negligence in safeguarding my personal data has exposed me to potential fraud and identity theft. This complaint serves as a formal request for the Consumer Financial Protection Bureau to intervene and ensure that Equifax is held accountable for these violations and provides appropriate remedy for the damages I have suffered. 

I've attached some documentation needed for this complaint. Thank you for your attention to this serious matter, and I await your prompt response and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I also had multiple instances where money was fraudulently taken and they would not refund me.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking on my TransUnion credit report, as do about once/month, to make sure everything looked correct. 

I noticed a new employer had been reported - ASAP Drug solutions. 
XXXX XXXX XXXX XXXX I definitely DO NOT work for this company. I keep my credit reports frozen and had no notifications of any attempts to run my credit, background, or other personal information. 

I contacted XXXX XXXX XXXX and spoke with their background check department. They sent me to the headquarters ( a different company name that XXXX XXXXs operated by_ and I spoke with their HR department. Neither person I spoke with, both of whom were very helpful and cooperative, could find any record of my SSN in their system, which was somewhat of a relief. 

So I still don't know for sure how my credit report got hit with this information. I suspect identity theft via random SSN entered fraudulently on an XXXX or other employment paperwork. 

I contacted TransUnion, placed a fraud alert on my report ( which has since populated to XXXX and XXXX ) and disputed the new employer, which was then removed. 

My main concern now is that I could somehow be liable for taxes owed by whomever is working under my SSN and I want to protect myself against that possibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, i paid XXXX XXXX XXXX a payment of {$89.00} to settle a charge-off collection from XXXX XXXX. In exchange of the settlement payment they had agreed to remove or get account deleted from my credit. So far that account has been removed from XXXX  but not on XXXX  nor Transunion. 

Every time i submit a dispute to XXXX  and Transunion thier investigation result keep on coming back verified or updated without no validation letter. 

I even sent XXXX  and Transunion a deletion letter agreement from both the collection agency and the original creditor in order to that account deleted by the credit bureaus themselves.
Product: Debt collection

I signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX on or around XXXX XXXX XXXX, I was the victim of an attempted identity theft involving a vehicle loan application that I neither initiated nor authorized. The credit agency involved, XXXX XXXX XXXX XXXX, performed a hard inquiry on my credit report without my consent.
Product: Checking or savings account

On Wednesday XX/XX/2022 I attempted to deposit a check via the Bank of America mobile app and the process failed. I called in to Bank of America customer service and spoke to XXXX XXXX with B of A. XXXX requested that I try the deposit a second time and that there would be no issues and that the hold would not go beyond XXXX  XXXX the XXXX. This was not accurate and the B of A representative lied regarding the downstream implications of trying the deposit a second time. The check/funds are now on a 7 business day hold until Friday XX/XX/2022. You might at this point say who cares, right? Incorrect! I pulled this money out of my 401k with XXXX to cover rent, requested it be sent overnight via XXXX to avoid eviction. Now as a result of XXXX 's false, misleading and incorrect information how to proceed I will be evicted this week. I get it that the working class poor are not priority 1 for B of A but when you put a hold on a {$2500.00} check for 7 business days believe it or not the poor have consequences. I will find some place to live but not sure when I will see my kids again as a result!
Product: Student loan

I refinanced my student loan with ACS ( now Conduent ) in XX/XX/XXXX. I have been making payments of {$350.00} ( amount due each month {$300.00} ).  Normally I get a 1098-e notification in XXXX. I didn't this year. This week I tried to prepare my taxes. I went to the website where I found out the name change. 

I was able to login on XX/XX/XXXX but when I tried to access any information about my loan amounts it was empty. When I tried to find a 1098-e to download it didn't have one. I left a request for customer service. I didn't hear anything either by phone or my email. 

On XX/XX/XXXX I searched for customer service phone numbers because they aren't on the website. When I called all 3 published numbers available on the web, they were disconnected. When I tried to login on the website their message was that they no longer service my loan. 

I have received no information about a transfer of my loan. As the permission I gave to the company to deduct my payment is no longer valid, I have stopped payment for future payments with my bank. I don't want to be arrears for my loan which could easily be solved if I knew who my current loan owner is. I also really need the 1098-e form for my taxes.
Product: Credit reporting or other personal consumer reports

This Bankruptcy accountis being reported on my credit report as if they are the furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I have been to Chase bank for opening a checking account as I have gotten a job and it requires me to submit an account number for depositing my pay check. The banker didn't allow me to open it. I had the following documents with me to support my identity and residence address. 1. My EAD card 2. SSN 3. A lease agreement to my apartment in the name of my Husband with me and my daughter as occupants. 4. My marriage certificate 5. My foreign Passport 6. Foreign DL with foreign address 7. International DL with foreign address 8. DS 2019 I have shifted here recently and have gotten my SSN and my EAD but I don't own any document as proof of my owned residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over XXXX XXXX XXXX to be removed from my credit report ASAP OR I WILL BE SUING XXXX. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.
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 XXXX XXXX  XXXX : # XXXX XXXX : {$25000.00}, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00}, XXXX XXXXXXXX : # XXXX XXXX : {$200.00}, 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: Debt collection

First Financial Asset Management is attempting to collect a debt from someone ( myself ) who did not incur the debt. I've attached their response letter and am putting this complaint into the public record. 

First Financial Asset Management is attempting to disparage my reputation and credit history by attaching someone else 's debt to me. Their response letter clearly indicates they think I am the " XXXX XXXX '' they are looking for, but I am not. First Financial Asset Management 's actions clearly indicate the haphazard behavior that the debt collection industry employs, and they should be allowed to harass and villainize and innocent party such that they have in this instance. 

If you are a state attorney general looking for proof of bad actor activity by the debt collection industry, feel free to reach out to me ( XXXX ). I will work with you, and present proof of my claims, unlike First Financial Asset Management.