23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX. 
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned. 
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX. 
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE. 
The amount owed according to ACE is {$250.00} from 2013. 
I had been helped initially by Attorney XXXX. 
It was my understanding the situation had been resolved. 
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls. 
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered. 
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info. 
Naturally I assumed these were scams. 
Also the calls come from several different area codes and numerous calls a day. 
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks. 
My bills are all online & paid online. 
I always pay my bills even if I need to make payments. 
I would appreciate any help & /or advice you can offer me. 
Thank you,
Product: Credit reporting or other personal consumer reports

I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX  we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( XXXX, in. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection XXXX ( XXXX ). Specifically, Cashapp 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Money transfer, virtual currency, or money service

on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX 
XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. 

my account XXXX and XXXX/coinbase locked my account.
Product: Credit reporting or other personal consumer reports

I sent certified mail on XXXX XXXX With a requst to remove a account, it was a removel letter and a FTC report they did not include on my file a copy of my driver license and ssn card. I talked to someone on XX/XX/year> at Equifax they said it was no FTC Report on file and then i ask about these comformation numbers : Confirmation number : XXXX SubmittedXXXX Confirmation number : XXXX Submitted : XX/XX/year> Confirmation number : XXXX Submitted : XX/XX/year> they don ; t see them.I disputed the same account with XXXX and XXXX they fix the problem. I believe Equifax are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Product: Debt collection

On XX/XX/XXXX I sent a letter to third party collection agency Perfection Collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX  ( XXXX ) asking them to cease collection activity and to remove records from my credit report regarding account # XXXX  ( c/o XXXX  of which they purchased XX/XX/XXXX. ) I asked them to provide me evidence of my account and if they could not to delete all information furnished to any and every one of my reports because it is unverified information. Said company responded to my request by sending me a contract that list my name a customer ( co-borrower? ) but in fact does not have my signature on any of the spaces provided for customer signature, in fact the only person whose signature is recorded on the contract ( on two separate signature lines ) is XXXX XXXX  ( customer ) and the sales person ( XXXX XXXX. ) I feel this is not verification that I entered into a contract neither with XXXX  or Perfection Collection and because this is unverified by law they are required to remove this information from my credit report they have yet to do that, in fact they have added another collection to my reports (XX/XX/XXXX ) from the same company ( XXXX  ) for a larger amount.
Product: Credit card

I had a charge of XXXX from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The detail of the charge from the statement is below, XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I received a text message alerting me of a fraudulent charge from Wells fargo of {$340.00} from XXXX XXXX XXXX XXXX Riverside and then another charge of {$2600.00} from XXXX XXXX. Immediately I responded to them saying that I didn't authorize the charge. Then they blocked the card immediately. Also, I called them as soon as I received the message and reported the charge as unauthorized and opened a dispute. So they put these charges under fraud dispute. Later I got a call from well fargo investigating about the fraud. MOST IMPORTANTLY THEY RECOGNIZED THE CHARGES AS FRAUDULENT AND ISSUED A NEW CAR. Then, after a month or so they changed their opinion and sent me a letter that this dispute is denied as I had the card with me when the charge happened. However, we never ever bought anything from this XXXX XXXX XXXX XXXX XXXXXXXX ( or for that matter any other XXXX XXXX XXXX using this card ). The XXXX XXXX charge was never gone through. So this is a completely wrong disposition by Wells Fargo. As you can see I got the message from the Wells Fargo system that the charge was suspicious, meaning the system figure out that there is a fraud. Also I took the necessary steps immediately to report fraud. This charge shouldn't be billed to me and Wells Fargo is not only trying to shirk its responsibility but the Fair Credit Billing Act ( FCBA ) of the Federal government. On top of it the active cash card is a XXXX liability protection card which means well fargo is not ownering its own promise.
Product: Credit reporting or other personal consumer reports

Request for Update to Paid As Agreed Never Late ( PAANL ) Violation of 15 USC 1637b To Whom It May Concern : I am writing to formally request an update to my credit report regarding my account with : 1 ) XXXX XXXX XXXX XXXX XXXX to the provisions of the Truth in Lending Act, specifically 15 USC 1637b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has provided the required notice, as outlined in section 1637b.

Section 1637b of the Truth in Lending Act clearly states that a creditor must inform the consumer in writing, within a reasonable period, if a payment has not been made within the grace period. Specifically, if a payment is considered late, it must not be treated as such unless the creditor notifies the consumer at least 21 days prior to the due date. As of today, I have not received any such notice regarding the account referenced above, nor have I been notified of any payment being considered late.

In light of this, I am requesting that my account be updated to reflect the accurate status of " Paid As Agreed Never Late '' ( PAANL ) as no late payments were reported or properly documented. Since no notification of a late payment has been issued in compliance with the law, my account status should accurately reflect that it was paid on time and as agreed.

I request that you update my credit report accordingly and remove any negative reporting related to this account. I expect a response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), and would appreciate your prompt attention to this matter.

If you need any additional information or documentation to process my request, please do not hesitate to contact me. I appreciate your cooperation in ensuring that my credit report is accurate and complies with all applicable laws. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX, TX on XX/XX/XXXX. On XX/XX/XXXX I had XXXX XXXX XXXX XXXX and was on XXXX XXXX. The bank called to do a welcome call which I barely remember and says that I told them that I had a recent repo, which I didnt. On XX/XX/XXXX about XXXX XXXX I get a call and text from the salesman saying that the bank decided not to do the loan because I said that I had a recent repo. In my mind it was a done deal, contract and everything signed, more than 72 hours and I hadnt heard anything from the bank or the dealership. I was waiting to get the information for my first note. Now I have to return the vehicle to the dealership today the say or they will repo it and Ive done nothing wrong to my knowledge. The name of this bank is XXXX XXXX XXXX. in XXXX XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a Fraud. They Illegally closed out my credit card account in XX/XX/XXXX with XXXX and damaged my credit report time and time again. I reached out to XXXX in an attempt to make an agreement and XXXX XXXX engaged indenial and told me the card was closed because a XXXX XXXX company that represents me requested the account be closed. Thats the furthest from the truth. 

So, on XXXX I spoke with Family Credit Management via phone to find out what had happened, and they specifcally told me they DID NOT request an account closure. However they did tell me that they had not represented me since XXXX and that they negioiated a deal with XXXX XXXX on XX/XX/XXXX and they told me that XXXX XXXX agreed to a new deal which in return was ( 1. Stop all Late Fees, 2. No Interest to be Charged, 3. Stop Overlimit Charges, 4. Agreed to a XXXX XXXX Monthly Payment ) there was no mention of closing the account down. 

I tried in good faith to establish an agreement with XXXX XXXX for me to pay my debt off in 4 easy payments in return for removal of the bad credit files in which they illegally reported to the Credit Bureaus violating the agreement they made with the debt management company. But instead of establishing professionalism they placed me on hold where a few minutes on hold someone picked upnand then hung up the call. Totally Disrepectful and Uncalled For
Product: Mortgage

A third party is attempting to get pay off demands on my property - yet I have not been noticed or granted permission to any third party.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Bank XX/XX/year> ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX Info @ XXXX Capital One XXXX, VA XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed ___________________________________ XXXX XXXX SERVICES Bank XXXX XXXX ^ Inquiry Details Inquiry Date Inquiry Type XX/XX/year> Individual XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I have no relationship or knowledge of this inquiry and want it removed
Product: Checking or savings account

I recieved a letter stating I was enrolled in unauthorized services an I called the number that was given.The agent verified who I was an then said wells fargo will be sending you a check for the amount of XXXX dollars an that it could take 45 days well never recieved it. So I reached out several times with no explanation, so the agent sent me to escalation an they told there's a delay an that there is time expectancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX Card account # 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 a account without my written instructions
Product: Money transfers

I made some transfer through Transfast from USA to XXXX. The transfer was supposed to be completed in XXXX business days which did not happen. 
At this point, I called transfast to enquire about the transfer. My call landed in XXXX, XXXX. The customer service rep ( named - XXXX XXXX ) started asking my Engine Password - which I declined providing as it has my XXXX XXXX XXXX account added and verified. She kept on emphasizing about the password to login to system. 
I was certain to not provide the password and she started asking me to send a copy of my SSN. At this point I asked to transferred. I spoke with her team leader who then transferred me to New York office where I spoke with XXXX. 
XXXX asked me to send a physical copy of my SSN document and said that it is required to process the transfer. He also stated that he will take only and only SSN to process my transfer else will cancel the transfer. 
No where on the " Transfast '' website it states that SSN is required as a document and it also does not show if this information is going to be secured when I send it over. 
I then asked XXXX to send me in an email that a physical copy of my SSN is " mandatory '' to make the transfer and he then gathered my information and said that he will send the email. 
I have a copy of Transfast - User Agreement, the security page and the How it works and on NONE of the pages its mentioned that I need to share my SSN or any government ID. 

XXXX who sits in XXXX was very rude and did not understand my point that there was NO need to share my password. Also, he was adamant to get a physical copy of my SSN. I told him that it is not safe to share SSN in its physical form which will be store with you without encryption. 

This is a fraud and they are taking the SSN and copy of government ID without secure environments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX  closed this companies profile due to numerous consumer complaints. Not only has XXXX charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.
Product: Credit reporting or other personal consumer reports

Despite my efforts to provide the necessary documentation and communicate with the company, my concerns have been ignored or mishandled. This lack of investigation is unacceptable and does not align with the companys stated policies or obligations. 

I would like this issue to be properly addressed and resolved immediately. Please confirm the steps that will now be taken to investigate and rectify this situation. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX, XXXX, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never received a 1099c for any of the charge offs listed above as well I also saw some addresses that still were not removed. I have not lived at these addresses. My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on Experian and XXXX All of the items listed above have violated my rights to privacy and have not been given written permission to be reported. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account information without my written instructions or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these inquiries completely from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting to you to please remove the following unauthorized inquiries completely from my Credit File 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. I am submitting this CFPB complaint in accordance with thr Fair Credit Reporting Act section 605b, and request that you comply with the Federal law and have the disputed inquiries removed from my Credit File as soon as possible.
Product: Checking or savings account

On XXXX XXXX someone without my permission or consent opened an account with PNC bank depositing {$250.00} into the country the same day. As soon as I recived the letter in the mail I contacted PNC and they closed the account and started an investigation. On XXXX XXXX an account was made with XXXX XXXX XXXX in my name they deposited {$44.00} into the saving a account and the same day transferred the money to XXXX.