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

My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from Lexis Nexis and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this Credit Union and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number XXXX XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back Lexis Nexis and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on XXXX and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the credit Union, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I realized that many accounts were erroneous. The 3 credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX XXXXXXXX XXXX Balance : {$500.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card

I contacted Capital One, for the second time, in XXXX regarding a credit card that was opened in my name without my consent. Capital One has no paperwork with my signature on it and refuses to acknowledge that fact. They will not confirm or deny that I signed anything. I requested an investigation be initiated and demanded that they not close the investigation without contacting me. The investigator attempted to call me once. I subsequently returned the call XXXX  times the same day and left a message again demanding that they not close the investigation until the contact me. They neglected to contact me and erroneously closed the investigation.
Product: Student loan

My Federal Perkins loan was placed in default due to an error made by an employee of XXXX XXXX. On XX/XX/2017, This company states it tried to post a payment to my checking account. No account could be found or a NSF issue. They sent the loan into default. I contacted my bank Account credit Union. We went over the transaction history specific for that date..no transaction was found for XXXX..and the account had a balance of XXXX dollars in it and another {$1200.00} posted the same day. The months before XXXX XXXX successfully received the payments. I didn't change my account every thing was the Same. 
I believe the payment was applied to the wrong account or computer error on their end. 
There is now a default on my credit report and inaccurate information in my loans records. 
Had it not been for this one single incident my loan would not be in default
Product: Debt collection

THIS COMPANY IS FORIEGN TO ME AND DO NOT HAVE A CONTRACT WITH THIS COMPANY, ..THEY DO NOT HAVE PERMISSION TO DECIMINATE MY PERSONAL INFORMATION AND IS IN VIOLATION OF FDCPA LAWS.
Product: Mortgage

I received a modification in XXXX. During that same month and the next month I had several huge unexpected expenses : medical care for my dad that was diagnosed with XXXX XXXX, water leak that caused my water bill to skyrocket to almost a XXXX dollars, college expenses for my daughter, repossession of my car which I had to get back to go to work and I underestimated my monthly expenses when I applied for the initial modification. I am now behind XXXX - present and my mortgage company wo n't help me. filed XXXX in XXXX but my attorney provided them with paperwork to be able to make arrangements with me on my mortgage. I was told several months ago that I did not qualify for a streamline modification because at the time my mortgage was not over 90 days behind and that if I had not have filed ch XXXX in XXXX, they could have put me on a payment plan.That 's contradictory because a modification is a pymt plan. I have appealed my denial but to no avail.
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 ). Specially, 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 for these violations.
Product: Debt collection

The bill being collected was settled through XXXX XXXX - New Jersey XXXX XXXX Payment Assistance Program.
Product: Mortgage

We wrote the letters to Senators XXXX XXXX, XXXX XXXX, and XXXX XXXX as follow ; Dear Senators : We need your help. 
( 1 ) Citing XXXX class-action lawsuits we reported HAMP frauds committed by Chase Home Finance LLC and requested the Office of Inspector General, US Department of the Treasure, to carry out a full investigation on XXXX XXXX, XXXX. 
( 2 ) The Treasure Department forwarded our letter to consumer Finance Protection Bureau ( CFPB ). 
( 3 ) CFPB picked up the case ( # XXXX ). However, an XXXX ( coordinator ) at CFPB is marginalizing the matter as " We vs Chase. '' That is not what we intended. 
( 4 ) Chase probably robbed more then $ XXXX on the HAMP program from the US government over nine years ( since XX/XX/XXXX ) ; and destroyed XXXX homeowner 's lives. 
( 5 ) We ask you to contact CFPB and other agencies to expose the entire Chase 's HAMP frauds ; and help recover all the stolen monies and rescue XXXX victimized homeowners. 
( 6 ) Chase sent us more than XXXX HAMP application forms and some of them said, " Your application is approved. To move forward, send us the following documents .... '' although we did n't apply. We never applied because we knew Chase would defraud as described in the class-action lawsuits. 
( 7 ) You can imagine the scale of frauds from that Chase sent out several XXXX copies of HAPM application forms to millions of homeowners nationwide.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I was paid with a check by a roommate that Im renting a room to in my apartment. The check bounced and they decided to close my account which is fine I dont care because I didnt do anything wrong and they received the funds back from the bounced check. I changed my account information with SSI so no more checks will go into that account. My SSI went into that account XX/XX/XXXX and XX/XX/XXXX. They are holding my money and that is all the income I have coming in so I have been unable to eat pay billing without borrowing money from other people. I have sent several email like they asked with my id my major credit card the three signature and a code word. This has been going on since XXXX before my XXXX check went in there. Every time they have another excuse for me not to get my money. I have to wait on hold for hours before I can even speak with someone. Usually banks close the account and mail your money to the address on file but they wont do it even after Ive did everything they asked. First they say the picture not coming in then they say everything has to be in pdf then they say everything need to be on one page and I need to say Im trying to lift restrictions. They are giving me the run around and its not branch here that I can go into. Im starting to feel like Im being racially profiled and racially discriminated against because they know want me to send a picture holding my id by my face. The ways they said the money would be sent I would have to go in person with my id to cash the check or get the XXXX XXXX so they shouldnt be taking me through all this. Then they said they cant verify my voice that they speak with XXXX XXXX which is me. How am I suppose to sound to them. I really need some help because Im getting behind on everything dealing with them.
Product: Payday loan, title loan, or personal loan

Amscot withdraw the money from my account and then they stated that they placed the money back in my account now there calling me 20 times per day harassing me for a payment that was already submitted. They have been literally calling me over and over again for several months. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hours : Open 24 hours Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Block of information due to identity theft Dear XXXX XXXX , Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXX ( XXXX XXXX ) Account Balance : {$6800.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX XX/XX/2023 and they could not find a credit card in the amount on my credit report. It is a fraudulent credit card someone took out in my name. The person on the phone told me to contact all the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

These accounts are fraudulent and identity theft and need removal XXXX XXXX XXXX XXXX XXXX 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

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the US DEPARTMENT OF ED and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Payday loan, title loan, or personal loan

I originally received a loan from XXXX I was given XXXX up front and have a XXXX bye weekly payments, I had a little over XXXX left to pay off and then have access to the XXXX. I paid off the loan a week ago and they will not let me take my XXXX because of some process I was unaware of. I originally got my loan from XXXX  about 7 months ago XXXX sold the company to sst now I cant access my funds until they deem it on. So I ask that all the interest my money is gaining by sitting in the bank am I going to get he told me no me building a savings account is for me not you. So now I paid them interest on the loan and now my money is sitting in the bank gaining interest for them because they wont let me access it til they deem it ok. I have guys name and badge number that pretty much told I have to wait
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Product: Checking or savings account

Company : Ally Bank Product : Checking ( Debit Card Dispute ) Issue : Problem with a bank account or service Disputes Details : I submitted XXXX dispute claims to Ally Bank for charges from the same merchant ( " XXXX '' ) for the same type of purchase, under the same circumstances : goods were not received, and I had contacted the merchant to request a refund prior to filing the dispute. 

For both disputes, I provided identical evidence showing I reached out to the merchant. Ally credited XXXX charge ( {$39.00} ) but denied the other ( {$100.00} ) despite both disputes having the same proof and reason for filing. 

When I contacted Ally and asked why they denied XXXX but approved the other no response was given but to reopen the claim after I literally submitted the exact same documents as before. I re-uploaded the same documentation to Ally and the dispute was reopened, but I have still not been given a valid explanation, and the resolution deadline has passed. 

I am seeking a clear and fair resolution to this identical dispute, and for Ally to correct this inconsistent handling. 

I was told XXXX days for original filing date. Then an additional XXXX days after it was reopened. Then this morning ANOTHER additional XXXX business days because they passed my account to XXXX XXXX. XXXX business days is bogus when they should have credited both charges. 

I contacted Ally on XXXX ( XXXX ), and XX/XX/XXXX. The only reasoning given for denying the {$100.00} was on XX/XX/XXXX claiming that my documentation didnt show I contacted the merchant when it clearly did and that SAME documentation got the {$39.00} credit to the same company approved. Makes no sense. Since then its been generic, Thank you for reaching outmessages with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a application online for a car and on the website it says that there will be no credit check. This happen on XXXX XXXX 2017 they also try to get money from capital one which is now on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Product: Credit reporting or other personal consumer reports

According to XXXX vs. XXXX XXXX. Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681 ( i ), 15 USC 1681 ( s ) 2, 15 USC 1681 ( i ) 5, 15 USC 1681 ( e ) b. Delete Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of creditors listed on my credit report that do not belong to me. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, MI XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXXBalance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XXXX # : XXXX ; XXXX  XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
Product: Credit card or prepaid card

Last year I moved to California from Illinois. I opened a new checking account with XXXX Bank in LA. I put my CITI Bank XXXX and COSTCO cards on autopay with the new account. I used the Illinois routing no. For the new account instead of the new LA bank routing no. And the payments were denied. By the time I realized my mistake the Citi bank card people cancelled both cards and will not reinstate them. No reason given to me! 
I have received an XXXX XXXX card, an XXXX XXXX card and a XXXX bank credit card in XXXX day. 
I need my COSTCO Visa card to purchase gas. 
Can you help me? I have no bad credit issues!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.