23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Violation of consumer rights on XX/XX/23 I sent a letter to Mercedes Benz Financial revoking security interest and right to repo. They sent a letter by mail to respond stating i am claiming to have the right. I did it by mail as CFR Section 1026.23 ( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get inquiries removed from my credit report as a result from identity fraud. I also has asked TransUnion to update my address and my employers as follows : Addresses that need to be removed : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Employers that need to be removed : XXXX XXXX XXXX XXXXXXXX This is not my account please remove Acct No. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Hard Inquiries that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Money transfers

Nothing has happen its been XXXX months and the bank is dragging no forthcoming of info just sit and wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX inquiry date XX/XX/XXXX 2. XXXX Inquiry date XX/XX/XXXX 3. XXXX Inquiry date XX/XX/XXXX 4. XXXX Inquiry date XX/XX/XXXX 5. XXXX Inquiry date XX/XX/XXXX 6. XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 10. XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX 11. XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX 12. XXXX XXXX Inquiry date XX/XX/XXXX 13. XXXX XXXX Inquiry date XX/XX/XXXX 14. XXXX XXXX Inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.
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 Customer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX  XX/XX/year> & XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 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.I would like to have these 2 XXXXXXXX XXXX HARD INQUIRES removed from my credit report immediately.
Product: Credit card or prepaid card

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Discover Bank, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Product: Debt or credit management

Credit karma promised {$50.00} if youre denied for a credit card. I applied and was denied but never received the {$50.00}
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and Im completely baffled as to how they got there. Ive always checked my credit report regularly, and its been accurate until now, but suddenly these discrepancies appeared. I even refreshed my browser several times, thinking it might be a glitch, but nothing changed. These incorrect accounts are still there, and Im feeling utterly helpless. Im begging for the documents Ive provided to be thoroughly reviewed so I can finally stop living in constant worry about this.
Product: Debt collection

XX/XX/scrub>XX/XX/2024 a collection of {$980.00} was on my account from Capio Partners LLC. I do not know the collector.
Product: Money transfer, virtual currency, or money service

Paypal Breached their contract with me on XXXX and illegally seized the funds in my account and gave me a bogus excuse saying my skincare items breach their user agreement when I check their user agreement there was no mention of skincare creams being banned from selling on their platform. With all this information XXXX still decided to hold my funds for 6months and now the 6months are up on XX/XX/XXXXPaypal still has my funds seized and my funds restricted I am only allowed to remove XXXX a month of my own money, I never gave them permission to use XXXX and Mis-Handle my funds they are breaching their contract because the 6months is over and they still refuse to release my funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX reported a late payment that was inaccurate and the reporting agency keeps reporting it. the XXXX XXXX  balance was paid off in full and had a XXXX  balance. XXXX XXXX went ahead after that fact and charge some random fee that I wasn't aware of and that's the reason they use to say am late when I wasn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday,  XXXX   XXXX , I received a letter from Equifa x Information Services stati ng I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list  XXXX  so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX19 I spoke with the branch manager XXXX XXXX and she informed me that my account was past due. I had my daughter call contact and set up a payment for the two months that were behind and gave Ms. XXXX permission to speak with my daughter about my account. Once the payment information was submitted Ms. XXXX and her associate assured me that she would contact the collections attorney XXXX XXXX and let him know that the account was up to date. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX. I want the warrant in debt dismissed and credit report fixed. As of XX/XX/XXXX Mariners is  showing the account as closed. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft i've contacted Experian recently about this matter i sent in the first report reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) Experian sent me out a letter stating that my FTC REPORT WAS UNVERIFIABLE so i called identity-theft which told me that was not true so Im resend my report my credit report i found inaccurate, false and fraudulent information that don't belong to me i've been battling with Identity Theft for the last 8 years i recently spoke to Experian Identity Theft department they told me my credit file may been mix up with someone else that they would fix it! still haven't seen changes!!! I sent In My ID, SSN, BILL to prove my identity Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

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  I looked at my Experian 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 generally, 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to American Express asking them to verify a debt by providing the original signed contract. This letter was sent certified and received on XX/XX/2022. I received a response stating that my address did not match what they had on file. I sent a follow up letter asking for verification of the debt since I had not received one previously. When they responded, they said it was a duplicate request but did not send the original signed contract with my signature on it. Shortly after, they sent around 300 pages of statements, but did not send a signed original contract verifying that the debt did in fact belong to me.
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 : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPTEDXXXX # XXXX, Account name : XXXX XXXX # XXXX, 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: Debt collection

I am writing to file a formal complaint against Midland credit management for unlawful collection practices regarding a debt that I believe is barred by the statute of limitations under Texas law. 

The debt in question was charged off on XX/XX/year>. Under Texas Civil Practice and Remedies Code, Section XXXX XXXX XXXX XXXX  the statute of limitations for most consumer debt, including credit card debt, is 4 years from the date of the last payment or the date of default. Based on this statute, the time limit for filing a lawsuit to recover this debt has passed, and the collection agency is unable to legally pursue this debt in court or otherwise. 

Despite the expiration of the statute of limitations, [ Name of the Collection Agency ] has continued to contact me regarding this debt. I have not received any formal debt validation notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which mandates that a collection agency provide proof of the debt and their right to collect it.
Product: Mortgage

Green Tree claims that there is not proper hazard insurance on the property located at XXXX XXXX XXXX XXXX, OH XXXX. Please see attached letter. 
I spoke with Green Tree on XX/XX/XXXX regarding a letter dated XX/XX/XXXX. Green Tree claimed there was no insurance on the property since XX/XX/XXXX. We agreed to have the insurance agent contact Green Tree and that the renewal billing was not going to be available until the first part of XX/XX/XXXX as coverage was in force until XX/XX/XXXX 
Green Tree called the insurance agent on XX/XX/XXXX to verify the information. 
Another letter was received dated XX/XX/XXXX again claiming no hazard coverage. 
The insurance agent faxed the insurance bill to Green Tree on XX/XX/XXXX. 
XX/XX/XXXX the attached letter was received. This letter dated XX/XX/XXXX states again no hazard coverage and that I will be liable for any coverage Green Tree purchases. 
On XX/XX/XXXX I spoke with XXXX at Green Tree who stated they did get the bill, but it is not being paid as there was information missing. XXXX requested that the insurance agent call Green Tree direct. This happened within the hour. According to the insurance agent, 5 letters were missing on the declaration page, but they were told this would not hold up premium payment. 
I called Green Tree back to follow-up. XXXX took my call, did nothing and transferred me without notice to XXXX. XXXX stated they had no record of a premium bill or coverage. This was totally incorrect. I stated the facts and XXXX claimed he talked with the insurance agent and expedited the premium payment on XX/XX/XXXX. 
No online entry in noted on the account as of today.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am filing this complaint regarding unauthorized hard inquiries that have appeared on my credit report without my consent. I recently obtained copies of my credit reports from XXXX, XXXX, and XXXX, and I discovered that XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX made a hard inquiry that I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) 604, a company must have my explicit permission before pulling my credit. I have never applied for credit with this company, nor did I give them permission to conduct a hard inquiry on my credit report. 

I have already attempted to resolve this matter by disputing the unauthorized inquiry with the credit bureaus and directly contacting the company responsible. Despite my efforts, the inquiry has not been removed, and I have not received any proof of authorization. This is a violation of my consumer rights under the FCRA, and it has negatively impacted my credit score. 

I am formally requesting that the CFPB investigate this matter and take appropriate action to have this unauthorized inquiry removed from my credit report. 

I appreciate your prompt attention to this matter and look forward to your resolution. Please keep me informed of any updates regarding this complaint. 

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

XXXX {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. SECRETARY OF EDUCATION XXXX XXXX XXXX US SECRETARY OF EDUCATION SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   ( same as   XXXX   XXXX   XXXX   XXXX    ) r efuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   ).  I filed dispute with you for Equifax and  XXXX  last year.  XXXX  fixed it, but Equifax dispute ( #  XXXX  ) produced NO results  (    XXXX   XXXX     ). Since then I have to dispute this with Equifax every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  two  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter asking XXXX, XXXX, and Equifax to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX and Equifax # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Mortgage

XXXX/XXXX/XXXX I started the assumption process with JPMorgan Chase Bank due to the XXXX of my father. To date I have provided them with all of the documentation that has been requested. XXXX/XXXX/XXXX I received an approval letter from Chase for the loan. The conditions of the approval is that I provide updated bank statements and income which I did comply. On XXXX/XXXX/XXXX I received a letter from Chase stating that I had to move to the state that the home I was assuming and have gainful employment by XXXX/XXXX/XXXX. This had not been brought to my attention prior in the approval process. In XXXX XXXX they did request that I provide a letter for what my intentions were with the house that I am currently renting. I complied. An additional condition of the assumption was that I paid the house insurance one year in advance and provide them proof of payment. Which I did pay {$1100.00} and provided them with the receipt. I had talked to the loan assumption supervisor and asked them to make an exception regarding the employment condition since it would be impossible for me to obtain gainful employment within two weeks as they requested. He had indicated to me today XXXX/XXXX/XXXX that they will not make an exception.
Product: Debt collection

I recently checked my credit report and I noticed several fraudulent accounts that were open due to identity theft please refer to the attached ftc report and additional documentation and block and delete these accounts.
Product: Checking or savings account

I wrote a check for {$170.00}. to my accountant on XX/XX/XXXX and deposited the check in a local mailbox. About 1 month later, my accountant asked about the payment, and I checked my records and found that the check had been altered and paid in the amount of {$9800.00}. to XXXX XXXX XXXX through TD Bank in XXXX, NJ. I contacted my bank, XXXX XXXX, and let them know of the fraudulent payment. 

I completed an Affidavit for Altered Check or Payee on XX/XX/XXXX, and my bank demanded reibursement from TD Bank on that same day. On XX/XX/XXXX, TD Bank responded to XXXX XXXX, asserting that my signature was forged and thus XXXX was responsible for the loss. Numerous times since then XXXX XXXX has attempted to correct TD Bank 's reasoning, because the payee and amounts were forged, not my signature, but TD Bank has not responded in any way to these requests. 

I mailed a letter to TD Bank XXXX XXXX on XX/XX/XXXX, trying to correct the record about what they alleged to be my forged signature, and have not heard from them. My husband and I attempted to call TD Bank Fraud Operations on XX/XX/XXXX, and were unable to reach anyone who would talk to us about this case, and the people we did reach appeared to be unable to even pull up the case file, and they moreover refused to transfer us to the Fraud Operations staff. Apparently this group only communicates by email, and as noted above they have refused to respond to XXXXXXXX XXXX XXXX inquiries for the better part of a year. 

Letters documenting the above will be attached below. 

The TD Bank case # is XXXX Acct XXXX