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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} Account name : #, XXXX BANK {$1500.00} Account name : #, XXXX XXXX {$590.00} Account name : #, XXXX XXXX {$4100.00} Account name : # XXXX XXXXXXXX XXXX, {$6200.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are reporting that I Owe the XXXX XXXX XXXX on my credit report and reporting a collection. I do not know who this company and I have never been in agreement with them. I Did not open an account with them in XXXX of 2024. Remove this off of my credit is you can not provide me a Written agreement with the XXXX XXXX XXXX that legally binds me to this company. I will like for this to be remove and deleted off my credit report ASAP! This False Information. 


Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agenciesXXXX. It requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was advised that I can reach out to you regarding some things on my credit that are not mine. I went to apply fore. home loan and was told that I was not able to get in the program because of my credit. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. I want those accounts removed from my credit so I can move forward with my life Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  end XXXX.
Product: Credit card or prepaid card

I just received a long notice from Chase USA/JPMorgan Chase detailing all the changes to terms that they are instituting on their credit card accounts. I have concerns. 

1. The CFPB states on their website : " Credit card companies must establish procedures to assure that their bills are mailed or delivered to you at least 21 days before the payment is due. '' Chase now states : " Your due date will be a minimum of 21 days after the close of each billing cycle '' Chase can not get their statements sent out until the billing cycle ends ; therefore, anyone receiving their statement by mail will have the time to pay their bill decreased to less than the 21 days. While I realize many people do their payments online, this change, of course, hits all the people with no computers the hardest, the people who can least afford any late fees. ( I assume that is the intention of Chase -- to make more money off those least able. ) 2. Binding Arbitration : Chase is now forcing all clients into binding Arbitration. There is a very complicated way to write to them at a specific place by a specific time including very specific information. I intend to do that, but I noticed that they kept delaying where that information was placed in the brochure, mentioning it twice, but it did not actually show up until a page later. ( Later Chase states that it will be paying all the arbitration fees -- really, whose pocket will the arbitrator be in? ) They also state that if you do not decline this, you can not be part of a class action suit. 

I realize that Donald Trump nixed the whole binding arbitration legislation that was to go into effect to protect consumers. I PROFOUNDLY OBJECT!!!!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Product: Vehicle loan or lease

This vehicle was involved in a total loss accident XX/XX/XXXX. XXXX XXXX XXXX received payment of about {$24000.00} plus from our insurance XXXX. A so called adjuster ( XXXX ) from Global Lending would only send emails about out next steps and we attempted to call the adjuster several times and replied to the email as we have never had a total loss before so the process was not very clear. After several unreturned calls and no email response we took it upon ourselves to call our GAP warranty XXXX on XX/XX/XXXX and they told us " this is how the companies get you & not tell you that the client has to call and start the GAP claim and can and will cause your credit to be affected. '' Global Lending has left late fee remarks which has tremendously dropped mine and my husbands credit score. Literally that day I attempted to call XXXX again and left a message and still til this day no return has been given. XX/XX/XXXX i received and alert from XXXX XXXX saying something that my account had been paid and when I check the remarks it is saying that the account has been charged off. Global Lending needs to get this fixed immediately.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXXXXXX # 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.
Product: Checking or savings account

I am filing a com paint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

Inquires I did not authorize. 

TRANSUNION : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership. Your bureau has 30 days to provide this to your address on file or they by law are required to delete the account
Product: Debt collection

I wrote this company on XX/XX/XXXX, my tracking number is : XXXX, i wrote them in regards to the claims I owed them a medical debt of XXXX, they sent me a printed statement with no signature of mine, no agreement, no judgement, no HIPPA release form or anything to subject this debt being mine, This debt has not been proven to be mine and it isnt. 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Product: Mortgage

XX/XX/XXXX Hello, My name is XXXX XXXX and I would like to file a formal complaint against Specialized Loan Servicing. Specialized Loan Servicing is now known as XXXX. I was behind on my loan with Specialized Loan Servicing ( account number XXXX ) due to XXXX. I applied for a Mortgage XXXX, and I was award the modification on XX/XX/XXXX. Under this modification, I had to put {$9.00}, XXXX down before the modification could become into effect. I worked with the Texas Homeowner Assistance Program who helped homeowners who were behind on the mortgage due to COVID. Texas Homeowner Assistance awarded me {$33.00}, 158.07. This money was sent directly to Specialized Loan Servicing. This was enough to pay off the loan, however, Specialized Loan Servicing stated that it was not enough to pay off the downpayment. They stated that that money went to attorney fees and that the Program should have called them first. They never stated if there were attorney fees owed. Because of the Specialized Loan Servicing action, I had to file for bankruptcy. This has caused me hardship and stress. I would like for Specialized Loan Servicing now know as XXXX to consider my loans paid in full ( account # XXXX & XXXX ). 
Please investigate their practices.
Product: Debt collection

This collection agency has a debt that was never even set to me for a prior place that I lived. They also keep adding an additional dollar each month to the amount owed that they bought from my original creditor and it continually nicks my credit report and drops my credit score every month for an additional dollar that can't be legal for them to translate more money than they actually bought not to mention have never sent me anything in writing nor have they ever called me I'm not paying this debt but I'm afraid that they continue to ruin my credit
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information (
A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I called Vanilla Gift Cards XXXX XXXX XXXX XXXX XXXX, on XX/XX/2021 at XXXX, my call lasted for about 16 minutes. I spoke to customer service regarding a scam that I was apart of involving their gift cards. I explained that a person hacked my bosses email address and pretended to be him and instructed me to purchase 5 gift cards all {$200.00} each, totaling {$1000.00}. The customer service rep was a women but I did not get her name. She then asked me to read all of the cards off to her, and then told me some of them were not used yet. I asked her if she can stop the cards from working and she literally told me there was nothing she can do. Which I find strange, because if you lose a giftcard they are able to stop the funds on a lost card and send you a new card, but she somehow couldn't do the same for this. So, I literally had to watch the scammer just use my money that I still could have stopped if she had done something. She then told me that a dispute packet would be sent to my email address within 10 minutes, and she provided me a case number. I asked her how long this would take to dispute and she told me 90 days. Her dispute team would have to call the merchant and that would take 45 days and then if they agreed with my case they would send me a check. In the dispute packet she told me I would be able to send the emails that this scammer sent me to help my case and then I would be able to tell them if I wanted a check or gift cards in the amount that I was scammed. So the call ended and I kept checking for the dispute packet and I never got it. I checked my spam folder as well and never got it. 

So an hour later I called them back Wednesday, XX/XX/2021 at XXXX, this call lasted 17 minutes. I told the customer service rep everything again, and mentioned how I never received the dispute packet that the other CSR told me I would get in 10 minutes. She asked me to check my junk, nothing, and then confirmed my email, which I did. She then told me the packets take 24 hours to get to our email. So clearly not consistent. She asked me to read the gift cards off to her to check my dispute and NONE of the gift cards, but ONE was recorded in my file. If I even have a file. I asked her if I am disputing all of these gift cards why is only one recorded and she said they all go together? excuse my language but XXXX. 

She told me after 24 hours I would recieve a packet, she went over all of my information and we hung up. Well it's a week later and I have no packet. I have messaged this companies XXXX account to get help and nothing. 

They do not help their customers when they easily could have stopped the payment on the cards THAT STILL HAD MY MONEY ON THEM and she let the scammer continue using them. I am applaud that this company is still in business, they don't help you at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit card does not belong to me. I did not apply for this line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX XXXX Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXX & XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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 Funds Transfer act and regulation E. These activities have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, XXXX, and Equifax whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Product: Debt collection

I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.