23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is a collection agency called American Profit Recovery stating that I owe them {$53.00}, this company added this collection to my all 3 credit bureaus and I would like for them to have them removed immediately. Tried contacting them and they where unable to tell me where this debt is from
Product: Credit reporting or other personal consumer reports

I've recently received a copy if my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
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 ( cpfa ) .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 funds transfer acted ( EFTA ) and regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX, XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report his and this was all done " Fraudulently.
Product: Debt collection

I 'chatted ' with someone from XXXX because i could not get them to answer the phone.. they gave me an email address to send my cancellartion to ( which I have in writing from XXXX XXXX ) they continue to call me, email and harrass me and now have sent to collecrtions.. I should sue them this is harrasssement, they refused to accept my letter of cancel nor communmicate with me..I operated 100 % on fair grounds and was paid in full when i in fact cancelled.. My provider got purchased by XXXX and i had alway had bad experience with them as co. that is why i switched to XXXX years ago. Please fix this .. i will hire a lawyer as this is causing me strress and humiliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Product: Checking or savings account

All disputes on my Chime account have been denied! Ive redisputed only to get same thing. And STILL no proof. I have even given come proof that it clearly was fraud and nothing
Product: Debt collection

This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to bemlish and degrade my character as if I do not pay debts owed to me.

I request for admissions 1. The original wet blue ink contract with this 2. Consent I have given to you to contact me and put this alleged debt on a public record?

3. where do private people have public debt?

4. What law says that private people are debtors 5. Do you operate under Title 12?

I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. 

If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. 

WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE # 11USC109 # UCC3_603 # 12USC412 # UCC9_307h # 18USC8 # Art1sec8cl1
Product: Credit card or prepaid card

I had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my credit recently and i became aware that i was a victim of identity theft and i called the bureaus and some of the creditors and they requested that i file a fraud affidavit. so here it is
Product: Credit reporting or other personal consumer reports

Late notations on my account XXXX XXXX XXXX have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Product: Checking or savings account

Wells Fargo sent me a notification that my payroll was posted early ( Wednesday ) instead of Friday. I received an email from them on Wednesday stating my direct deposit was available in my account but when I checked my daily balance the funds were still in pending status as of Friday morning. 

This is deceptive and an unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  loans with XXXX College in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them discharged. I am currently trying to buy a house, but with XXXX in XXXX  loan debt on a fixed income, that is not going to happen anytime soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported accounts on my report that were fraudulent. Experian, XXXX and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.
Product: Credit card

I received very disturbing calls and multiples letters from credit collection companies to collect debts claimed I owe to following companies below : *Bank of America : {$1900.00}, {$2000.00} XXXX XXXX : {$2200.00} XXXX XXXX : {$370.00} XXXX : {$2400.00}, {$2200.00}, {$1100.00}, {$680.00}, {$680.00} With the amounts of above. 

Action Taken : I wrote all the companies requesting them to Provide following : 1.Provide a copy of Original contract with original creditor that the client signed.

2.Detailed list of the history of payments made by me on this account from original creditor. ( Payment history ) 3.Provide the name and the address of the original creditor.

4.provide the signature that I put on a contract guaranteeing that I would pay this creditor.

5.Provide any insurance claim found on this debt ( has there been? ).

6.Provide the proof that you have the chain of title to collect on this debt. ( Proof of debt assignment ). 

No response.
Product: Credit reporting or other personal consumer reports

I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. As soon as I submitted the required FTC and contacted the company, they said they will remove the account from their record. Also, the account is no longer reporting on both XXXX and XXXX. So my mind questions if what kind of verification process you do to continue reporting this fraudulent account? 

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

XXXX I received the attached email from Experian. As it contains no specific information & my account website held no indication as to which account this email referred to, I found this email to be of no value other than to cause concern about my accounts or that it might be a fraudulent email. Not being able to find a functioning number for Experian or any indication as to what to look for in my account website, I deferred trying to investigate further until I had time to dedicate to this matter. XXXX I tried contacting an Experian representative for over an hour, but the number on XXXX and the Experian website ( XXXX ), the two numbers for corporate offices in the Contact Us section of the Experian website ( XXXX & XXXX ), nor the number on my Experian account website ( XXXX ) led to human contact as they were all automated numbers with no option for leaving messages. I finally found a number ( XXXX ; could not find where I found that number when preparing this complaint ) where I reached an Experian representative named XXXX. She kept repeating that this type email is a " benefit '' of my Experian account & that such emails have been sent to me many times, which is not the case as I check my email and junk mail regularly & have never received such an email before. XXXX finally determined which account this email referred to & it became obvious that account changes both credit balance & usage continually such that IF I continue to receive this type email it will be of no value & will only cause further concern. I asked to speak with XXXX 's supervisor & unfortunately, I did not note her name. The supervisor said these alerts can not be stopped without eliminating my Experian account & that other than this option I had no recourse. I told her I would have to contact the US government agency which oversees the credit bureaus. She said to do so. I reached a CFPB rep who said I could file a complaint & directed me to this procedure.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX. Account # : XXXXXXXX XXXX XXXXXXXXAccount # : XXXXXXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, and Account # 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
Product: Credit card or prepaid card

I am writing to bring a serious matter to your attention regarding false advertising practices employed by Southwest Airlines and Chase. I believe it is important to address this issue to protect the rights of consumers and maintain the integrity of our market. 

On XX/XX/2023, I visited Southwest Airlines ' website with the intention of purchasing plane tickets. During the payment process, a prominent offer appeared on the page, indicating that I was pre-approved for their credit card, promising a {$300.00} credit and XXXX points upon spending {$500.00} on the card. It also implied that I could use the card to pay for my tickets right away. Intrigued by this offer, I clicked on the " Learn More '' option. 

The subsequent page confirmed my pre-approval and even assured me that my approval status would be determined within a mere 15 seconds. Relying on the legitimacy of this promise, I decided to proceed with the credit card application. Regrettably, upon submitting the application, I was redirected to a page stating that I would receive correspondence in the mail within a couple of weeks. This unexpected deviation from the promised pre-approval left me feeling deceived and frustrated. 

In an effort to rectify the situation, I promptly contacted Southwest Airlines ' and Chase 's customer service for clarification. To my dismay, I was shuffled between departments and ultimately directed to cardholder services. After engaging in a conversation with the representatives at cardholder services, I was informed that my credit card application had been denied. This revelation not only created unnecessary complications but also resulted in a negative impact on my credit report, all due to Southwest Airlines ' and Chase 's misleading advertising claims. 

The misleading advertisement claiming my pre-approval has caused me significant inconvenience, wasted time, and unnecessary stress. It is disheartening to realize that neither the application nor the cardholder services departments were able to reverse the application or rectify the situation effectively. The false advertising employed by Southwest Airlines misled me into pursuing a credit card application that I would have never considered otherwise.

I kindly request that the CFPB thoroughly investigates this matter and takes appropriate action against Southwest Airlines and Chase for their deceptive advertising practices. Such practices not only harm individual consumers like myself but also undermine the trust and confidence that consumers place in businesses and their advertising claims. 

Thank you for your attention to this matter. I trust that CFPB will take the necessary steps to address this issue and ensure that consumers are protected from false advertising practices. I am enclosing copies of the relevant documentation, including the misleading advertisement. Please feel free to contact me if any further information is required.
Product: Mortgage

Reporting unfair business practices and policies by  Midland  Mortgage  /  Midfirst Bank.   I was behind on my Mortgage by 6 months working on mortgage modifications.   On  XXXX   XXXX ,   XXXX   my house was scheduled for auction at the court house without any communications whatsoever from the bank / bank lawyers. I learnt of the sale through online solicitation of lawyers asking me to file bankruptcy to stop my foreclosure.     When I called the bank five days from sale, the foreclosure sale was cancelled. It was later rescheduled for  XXXX   XXXX ,   XXXX  . I never got the official denial of the modification. I was forced to file bankruptcy to stop the sale of my home.   They have continued with their harassing phone calls despite notice by attorney  XXXX  of the foreclosure on  XXXX   XXXX ,   XXXX  .   The bank sends their personnel to my house on weekly basis peering and knocking on doors to leave a flyer to call them freighting my children and billing me for the unappreciated visits.