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

Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, XXXX XXXX XXXX # 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

15 U.S.C. 1692c is a part of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors can communicate with consumers : Communication with consumers Debt collectors can not communicate with consumers without their consent or a court order. This includes communicating at inconvenient times or places, or with a consumer 's attorney without the attorney 's consent.

Communication with third parties Debt collectors can only communicate with third parties in connection with debt collection with the consumer 's consent, or with the permission of a court. Exceptions include communicating with the consumer 's attorney, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Ceasing communication If a consumer asks a debt collector to stop communicating with them, the debt collector must stop, except to : Advise the consumer that they are stopping communication Notify the consumer that they may take action against the consumer Definition of " consumer '' The term " consumer '' includes the consumer 's spouse, parent, guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 instruction.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXXXXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX  XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

For consumer financial scandel since there is a lawsuit and I had them in XXXX  to see if I was charged fee XXXX I should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Debt collection

The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law   office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.
Product: Mortgage

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Trouble during payment process Please see my initial complaint information above. 

This complaint has NOT been resolved. Now the company is sending me letters warning that I am late with my payments. I tried calling the number and person who responded to my complaint however, they did not answer so I left a message. This company has some serious communication issues. Additionally, they have very shady practices in applying payments and charging astronomical prices to service the mortgage. I am requesting that you look into their mortgage loan practices. This company bought out my loan and ever since they started servicing my loan, I have had problems. 

They do not apply the payments I make and then charge me fees that I do not understand. When I have called to tell them to apply my payment, they have ignored my attempts. They continue to send me bills and call me daily. They sent me a letter to state that they would stop payment on the checks that sent me and apply those payments to my account however, I would still owed {$1700.00}. I called the number they had in the letter ( no answer ) but left a message to stop payment on those checks and sent {$2000.00} to make sure I covered the amount. 

Today I received a letter stating that my account was in arrears and they would start collection. I don't know what will resolve this issue since any attempt to communicate is thwarted by answer machines or being placed on eternal hold.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$2800.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX The background of this compliant is regarding unanswered communications to Chase ( JPMortganChase ), specifically and initially in a phone conversation and servicing complaint on XX/XX/XXXX, with a purported manager named XXXX XXXX phone # XXXX XXXX XXXX. ) 75 days have elapsed days without a reply, There were additional requests for a reply made to other Chase personnel, 1. customer service # XXXX XXXX XXXX, as well as,. 
2. requests to their online messaging system personnel AND. 
3. a couple of formal PERSONAL AND CONFIDENTIAL complaints to their executive officer ( XX/XX/XXXX, CEO ) on XX/XX/XXXX and XX/XX/XXXX XXXX and 37 days have elapsed days without a reply, INCLUDING. 
The failure to satisfy a requested XX/XX/XXXX deadline 33 days have elapsed. without a reply on this. 

in summary Chase never responds to the complaint ( s ) submitted to that employee or any of the others named. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO XXXX. fax XXXX XXXX XXXX XXXX alt re : Complaint This is another formal COMPLAINT regarding my communication to your office on XX/XX/XXXX It has been another 2 weeks without any response or resolution on the issue presented to XXXX on XX/XX/XXXX and now 5 weeks since that was first done. 

I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, no later than XX/XX/XXXX, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again or involve other entities. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ********************************************************************************************************************************************************** XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO fax XXXX XXXX XXXX XXXX XXXX XXXX. 

re : Complaint This is a formal COMPLAINT regarding a manager named XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX, I contacted the XXXX # and after several transferred calls, I asked for a manager and was connect to him. 

The issue was regarding unresolved issue presented to you online messaging personnel responses or lack thereof. 

He stated that he would formalize a complaint and stated I would receive a reply in 3-5 business days This did not occur and, as a result, commencing around XX/XX/XXXX, I attempted to contact him again both through both the XXXX and the XXXX numbers ]. 

I was told that this matter would be forwarded to him Approximately 25 days have elapsed since the XX/XX/XXXX contact. BUT, I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

Capital One Bank is withholding my Direct Deposit from my Employer.

They are unable to give me a definitive answer as the when it will be available.

My employer provided me proof that my Direct Deposit was to be sent to my Capital One 360 Checking Account. 

Many other patrons of Capital One Bank are having this same issue.
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist.

Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting, no luck. No help with customer service. Need this taken off credit report. Flagship credit acceptance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Product: Money transfer, virtual currency, or money service

I have been in business since XXXX and have accepted PayPal as XXXX of the payment methods from clients since the start. In these XXXX years, I have never had any issues with the banks, PayPal, or credit card companies. Until now. I recently had a client pay for our services through PayPal, and we performed the agreed upon month of work, and also added a few weeks and many hours of work. Much to my surprise, I received a notice from PayPal that the funds sent to us from this client, for the work we had already performed, was being disputed by the client. This " case '', as they call it, allows for both sides to present documentation to support their claims. The client who was disputing the claim provided no documentation, no proof, and nothing to support their claim. We provided multiple email exchanges, outlining the correspondence with the client, including them praising us for our work. In addition, we provided specific examples of the work we performed, including the additional hours/weeks of work on top of what was originally agreed upon. PayPal then ruled in favor of the client, who had no documentation, and PayPal actually deducted money out of my BANK ACCOUNT. They stole {$1500.00} from my businesses account. I quickly called their customer service line and spoke to a nice gentleman for about XXXX minutes who told me that in fact the case was ruled in MY favor. They had reversed their decision and that the funds would be deposited back in my account within a few months. I waited, and waited, and nothing. When I finally called them back for an update, they claimed it was not ruled in my favor, even though my account clearly states it was ruled in my favor. 

They are still claiming they can't do anything about it. I spoke to multiple representatives at PayPal through their helpline, all of which agreed that this should have gone in my favor, and they can't do anything to fix this or return the money they stole from my bank account. This is warning to anyone doing business using PayPal as an option for payment. Don't do it. They could easily rectify this by returning my money, but they refuse to make it right.
Product: Credit card or prepaid card

I opened an american express credit card account in XXXX of 2022. The transaction was opened with a signed promissory note I gave american express at consummation of the credit card account. American express turned around and gave me a check in the form of a loan. All which was created from my promissory note. After giving me a line of credit/loan american express also added interest fees and a high APR. the entire transaction was false and misleading and they also furnished deceptive forms trying to coerce payment from me. It was my understanding that I was given a loan in the form of line of credit from american express. When in fact my promissory note that i signed originally was given back to me in the form of a loan. This is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount on account number XXXX. I have reason to believe and do so believe that all past, present, and future billing statements received by AMERICAN EXPRESS COMPANY are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened in or around XXXX of 2022. They failed to perform on the agreement so the note is null and void. I've been damaged by the many violations american express has ran on me a federally protected consumer I have suffered XXXX XXXX XXXX defamation and also harrasement.
Product: Credit card

I apply for a credit card in XX/XX/XXXX with Synchrony Bank and was told in a letter that I was approved. I have used the card on and off and always made on time payments, I pay off my card and as soon as I paid off my card they sent me a letter on XX/XX/XXXX stated that they were closing my account due to the things that were on my credit. However, when they pulled my credit it was where it needs to be to get approve, four months later they telling me that they are closing my account due to the things on my credit. I really think they closed my account because I paid off my balance and stopped using it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/XXXX US DEPARTMENT OF EDUCATION XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is horrendous, just notified by experian they are still working on the issue on this complaint only problem is that it's the same thing, EXPERIAN FIXES NOTHING 90 % OF ALL MY COMPLAINTS HAVE NOT BEEN ADDRESSED
Product: Credit reporting or other personal consumer reports

I was alerted by XXXX XXXX of XXXX separate credit inquiries. One involving XXXX XXXX XXXX on XX/XX/2024. The other involving XXXX Bank on XX/XX/ 2024. I did not make either inquiry and am the victim of identity theft. 

The inquires damaged my credit score.