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

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

A previously removed account from  XXXX   XXXX   ( acc  #  XXXX  ) was removed from my Equifax report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my Equifax collection report. The collection company and Equifax are in violation of the FRCA, and this account need to be removed.
Product: Credit reporting or other personal consumer reports

I did not Contract with this company I have never lived at those apartments and Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. 

16 CFR 313.7 OPT OUT 16 CFR 313.7 ( e ). Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous inquires on my credit report that were not done by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Called the Fraud Alert Line for Experian and placed a Fraud Alert on my Credit Report. However, I need to have the incorrect address Removed from my crit file and also from my SSN.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX  ] [ XXXX, GA, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report as reported by your bureau. The account in question is XXXXXXXX XXXX XXXX which is reflected on my credit report with a reported balance of {$730.00}, marked as closed, and listed as charged-off. 
After reviewing my credit report, I have identified the following inaccuracies regarding this account : 1. Payment History : The report inaccurately reflects my payment history as being 120+ days late for several months, which I dispute. For example, XX/XX/XXXX is listed as current, yet subsequent months reflect inaccuracies in payment status without proper context. 
2. Account Closure : The account is listed as Account closed by credit grantor, but I did not receive formal notice of this closure nor the reason behind it.

3. Balance Reporting : The reported balance of {$730.00} seems inconsistent with my records, which show a different amount. 
These discrepancies are significant and impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide the supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. You may contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is needed. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank USA NA, XXXX Capital One XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be XXXX XXXX XXXX stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.
Product: Debt collection

I am writing to formally report an issue with [ Credit Bureau Name ] regarding unauthorized accounts that have been reported on my credit report. I have discovered accounts listed that I did not authorize, which I believe violates my rights under the Fair Credit Reporting Act. 

The accounts in question are as follows : MIDLAND CREDIT MANAGEMENT - XXXX MIDLAND CREDIT MANAGEMENT - XXXX I have taken steps to dispute these entries directly with the credit bureau, but I have not received a satisfactory resolution. I am concerned that this unauthorized reporting may negatively impact my credit score and overall financial standing. 

I kindly request your assistance in investigating this matter and ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this issue
Product: Consumer Loan

I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! HELP
Product: Debt collection

I dont have any accounts open with this company They contact me threatening me saying if I dont pay I will have a warrant under my name with the sheriff department .
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular  XXXX   XXXX  account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President  and other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
Product: Mortgage

I refinanced my mortgage. My mortgage before the refi was with PHH Mortgage. The refinancing documents were signed on XX/XX/2020. As recommended by the closing agent, I contacted PHH mortgage on XX/XX/2020 to cancel all future payments. I logged into the website to remove the auto pay option. To my surprise, PHH had already taken auto-pay off of my account ( without my authorization ) and my bank account used to make the mortgage payment had been deleted. Great. The website indicated that no payments would be autodrafted. To be sure, I call PHH mortgage on XX/XX/2020 to confirm that no future payments would be taken from my bank account. When I intially set up my mortgage payment autodraft ( 5 years ago ), i opted for the " flexpay '' method, which split the mortgage payment into 2 monthly payments ( on the XXXX and the XXXX ). When I called PHH on XX/XX/2020, the representative confirmed that no future payments would be taken from my bank account. She said their system no longer had any payment information on record for me. I specifically asked her to confirm that a payment would not be taken on XX/XX/2020 or XX/XX/2020. The agent again confirmed that no future payments would be made. My loan with PHH was fully paid off on either XX/XX/2020 or XX/XX/2020 as a result of the refinancing closing. However on XX/XX/2020, PHH Mortgage drafted an UNAUTHORIZED amount from my bank account for {$1100.00}. I have spoken with several representatives today trying to get the amount refunded. They are telling me it will take at least 15 days to return my money! PHH made an UNAUTHORIZED withdrawal from my bank account and is not acting with any urgency to return the money. I took all necessary steps to be sure that the payment would not be taken from my account and they assured me it would not. Now they are saying there is nothing they can do and I need to just wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX that the late payment was removed from my report - but did not hear back from Transunion, and when I reviewed my credit from XXXX ( a Transunion credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.
Product: Credit card

I am a customer/consumer of the financial institution XXXX XXXX XXXX Bank and its subsidiaries/parents/affiliates ( hereinafter XXXX ). 

For the month of XX/XX/year>, XXXX reported a late payment to credit reporting agencies as seen in Attachments XXXX, XXXX, and XXXX. 

Attachment XXXX is correspondence from me to XXXX which shows the amount was still in dispute as of XX/XX/year>, thus, no reporting should have taken place according to Title 15 U.S. Code 6801s-2 which states that furnishers of information 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. XXXX had reasonable cause to believe the information was inaccurate based on my billing error notice and evidence submitted. 

Attachment XXXX also shows that I exercised my right to opt out of credit reporting as provided by privacy laws. Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. XXXX failed to abide by my opt out instruction. Consequently, I have been both harmed and inconvenienced as proven by Attachments XXXX through XXXX. 

Furthermore, Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. XXXX never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercised this right in my XX/XX/year> correspondence/opt-out instruction. I amend the instruction to add that XXXX shall not report any information to a credit reporting agency that can possibly be construed as a negative item in terms of consumer reporting, such as, but not limited to, balance ( s ), highest balance, credit usage, remarks/comments, late payments, etc. ; nor shall XXXX share, sell, report, give, or otherwise transfer my nonpublic personal information to a non-affiliated collection agency. This instruction applies to all information past, present, or future.
Product: Money transfer, virtual currency, or money service

A follow up to my existing case with Chase bank I have still not received the receipt of wire that has been requested on at least 5 occasions from Chase. I subsequently found out that the account the wire went to was a fraudulent company and i made Chase aware of this over a week ago. The XXXX bank in question will not discuss the matter with me as I am a third party and Chase as my financial institution are the only ones able to address this on my behalf. I have spent hours on the phone, at the branch and writing secure messages and i have still not had one person contact me about the fraud or even been able to by given a department, number or person who I can talk to, to take action. I have spoken to at least 20 people who each refer me to another department where I am always told it is not them. I have asked for a clear copy of the process that supports the handling of such issues and no-one can provide this. I'm sick of being lied to and passed off and I am talking to attorneys to decide who I will use to sue Chase for dereliction of duty and gross incomitance. Note that the FBI are involved in the case. 
Every call I make I hear the words ' We appreciate your business and value the opportunity to serve you '. A complete lie as no-one is serving me! Who is vetting and auditing Chase bank processes and systems to ensure that they are robust and effectively support the services they are selling?
Product: Credit card or prepaid card

I have a credit card account with Pentagon Federal Credit Union. 

On XX/XX/XXXX I contacted the credit union via online chat. I requested that my Visa credit card account be closed. I only have one credit card account with this credit union. XXXX. 

The representative, XXXX XXXX, stated " Your card has been permanently closed. Please note you will receive your final statement by mail. '' The chat log is attached. 

as of XX/XX/XXXX, the account still shows online this card to be active and has assessed additional fees. 

I have re-contacted the credit union, The service representative states the card is still active and have no " record '' of the request to close the account. They were again, not able to immediately close the account at my request.
Product: Credit reporting or other personal consumer reports

I divorced XXXX XXXX XXXX, XXXX. 
In the divorce XXXX XXXX was granted the house with the mortgage. 
I quit claimed all rights to the house to him. 
He claims he has attempted to pay the mortgage in full but the mortgage holder refuses to take the payoff. 
My credit rating continually downgrades me because we took out the mortgage in the XXXX 's. 
I have remarried over XXXX  years, and have a steller credit rating, but do to this I continually get downgraded! 
PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted XXXX XXXX XXXX several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of fraud on cashapp and was denied a refund, and no live agent available to assist me.

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.

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.