23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

InXX/XX/2019, I received 2 notifications from XXXX XXXX that my JCPenney credit card account was closed by the creditor. XXXX  reported it closed XX/XX/19, and XXXX  on XX/XX/2019. However, my account is still open, because I used my card a couple times in XX/XX/2019, one of the purchases was made on XX/XX/2019. I never got any notification from the  creditor that my account was closing, and my account is not delinquent. This is not okay.
Product: Checking or savings account

I had problems my rent with Zella and when o did it went to wrong person and I couldnt get my money back.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

To Whom it may concern : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal account from my credit reports. 

Bankruptcy XXXX XXXX XXXX
Product: Checking or savings account

Ok so I met with XXXX Friday before then I was there on Thursday she had me in the office for at least XXXX hours bank manger did nothing but point fingers who did this we dont want to fix the problem till we ask who did it. I didnt get my issue resolve till the next day and she was pulling her hair out resolving it .how unprofessional leaving the room numerous of times calling on cell phones instead of company numbers very rude behavior
Product: Money transfer, virtual currency, or money service

Cash XXXX XXXX XXXX is a Member of SIPC, which protects securities customers of its members up to {$500000.00} ( including {$250000.00} for claims for cash ) in the event the member becomes financially troubled. 

( Review more about what XXXX protects and review an explanatory brochure at their website, www.sipc.org ) XXXX XXXX XXXX XXXX, member of FINRA and SIPC and a subsidiary of Block , Inc . 
( XXXX, XXXX hereinafter referred to as " XXXX XXXX '' ). 


Hello my name is XXXX XXXX XXXX. Ive been struggling with a cash app account with obtaining my funds that are restricted with ( XXXX  XXXX XXXX XXXX, member FINRA/ SIPC and a subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX that failed to ensure my ( FDIC ) {$250000.00} ) the funds failed in the event the member becomes financially troubled. I been having a variety of issues obtaining my funds that are restricted. I'm writing to you to inform you about the required steps to confirm ownership of my email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. 




XXXX funds i'm entitled to inquire about I certify the information provided to XXXX is accurate and consent to XXXX using such information as is necessary to fulfill Blocks federal, state and local tax payment or withholding purposes and tax filing obligations
Product: Debt collection

Thank you for providing the original contract with XXXX XXXX. While this confirms my obligation to the original creditor, it doesn't establish your right to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request debt verification and you are obligated to provide it. To proceed, I require verification of your legal authority to collect this debt on behalf of XXXX XXXX. This verification should include my authorization to sell or transfer the account to the collection company.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX was notified at XXXX XX/XX/2023 of an Account to Account transfer from : XXXX XXXX to : XXXX XXXX for {$780.00} of which I XXXX did NOT approve! 

Claim # : XXXX Reference # : XXXX
Product: Checking or savings account

To whom it may concern, Navy Federal Credit Union Attn : Customer Relations Department XXXX XXXX XXXX XXXX, VA XXXX Subject : Complaint and Request for Compensation Regarding Illegal Overdraft Fees Dear Navy Federal Credit Union, I am writing to formally request compensation for overdraft fees I believe I was charged unlawfully as outlined in the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. According to the CFPBs findings, Navy Federal Credit Union charged illegal, surprise overdraft fees on accounts with sufficient funds and on delayed peer-to-peer payments from XXXX to XXXX. 

As a member of Navy Federal during this time period, I experienced instances where my account was charged overdraft fees under similar circumstances : 1. Overdraft fees despite sufficient funds : My account showed sufficient funds at the time of certain purchases, yet I was later charged overdraft fees when the transactions were processed.

2. Overdraft fees caused by delayed posting of funds : I relied on funds from peer-to-peer payment services like XXXX or XXXX that were displayed as available, only to discover later that these funds were not processed until the next business day, resulting in overdraft fees.

These practices were found to be violations of the Consumer Financial Protection Act, and as a result, Navy Federal is required to refund affected consumers more than {$80.00} XXXX in improperly charged fees. 

I request a thorough review of my account history during the relevant period ( XXXX ) to identify any improperly charged overdraft fees. I ask that all such fees be refunded to me promptly and additional compensation of XXXX be awarded to me for such negligence! 

I trust that Navy Federal will comply with the CFPBs order and resolve this matter fairly. Please acknowledge receipt of this complaint and provide a timeline for your investigation and resolution. 

Thank you for your attention to this matter. You have 4 days to compensate. I look forward to your timely response. 

Sincerely,
Product: Debt collection

To whom it may concern, I sent out a debt validation letter to ARS Collection agency. asking for them to validate the debt the say I owed them. This is the following things I asked them to validate and verify : Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
I only received a letter stating my balance. I will upload the letter This is a FDCPA violation and also FCRA violation.
Product: Debt collection

Under the Fair Debt Collections Practices Act, I am entitled to request validation of the debt that is allegedly owed. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had on-line access to my Experian credit report and the ability to freeze my credit report for the past 10 years. Experian revised their on-line access system and I was unable to access my account in XX/XX/2023. 

I was able to reset my password on-line in XX/XX/2023 and access the on-line service. However, I was unable to utilize ANY functions within the system. I am specifically unable to freeze or unfreeze my account. All actions resulted in an error page instructing me to call Experian for assistance. 

The Experian phone number provides access to a phone tree. There is no option to speak with a human being to resolve access problems. The phone tree offers 2 recorded messages to gain access to the new system : 1 ) Utilize the on-line website and 2 ) Submit a letter by US Mail with full information ( including pictures of drivers license, bank statements, etc. ) I then utilized option 2 and submitted a formal letter and all requested information to Experian in XX/XX/2023. Experian responded with a written letter within 30 days indicating that my account had been " reset '' and that I would be able to access the system. 

I attempted to access the system and encountered the same problem. I can not freeze or unfreeze my credit report. 

I would like Experian to provide me access to their on-line system to access my credit report AND freeze and unfreeze my credit report. I am currently stuck in an endless loop of submitting letters by mail without resolution. 

I have attached pictures of Experian 's system that indicate, step-by-step, the continued error that I am receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report and I dont understand why they are on there. Someone have tried to get credit in my name and open accounts. The one that concerns me is Capital One.
Product: Credit reporting or other personal consumer reports

I GOT A MESSAGE ABOUT MY XXXX ACCOUNT IN A EMAIL IT SAYS THAT MY ACCOUNT # XXXX WAS CLOSED AND A GUY NAME XXXX THAT WORK THERE HE ASK WHY DID DISPUTED IF I DIDN'T WANT THE ACCOUNT CLOSE NO THE MESSAGE HE SAID SOMETHING ABOUT EOSCAR UNDER 15 USC 1681-1681X UNDER THE FAIR CREDIT REPORTING ACT THE CONSUMER REPORTING AGENCY VIOLATED MY RIGHTS SOME HOW EOSCAR MADE A MISTAKE TO GET MY TRADELINE CLOSE IT HAD SOMETHING TO DO WITH XXXX THEY TOOK ADVERSE ACTION AGAINST ME FOR FILING A DESPUTE FOR INCORRECT DATES ON A TRADE LINE UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ONLINE ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00} AND ALSO ON EXPERIAN THERE XXXX NO CLOSING DATES ON IT UNDER 15 USC CODE1681I PROCEDURE IN CASE OF DISPUTED ACCURACY BY IT HAS NO CLOSING DATE IS A VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the equifax data breach and XXXX XXXX breach and may have reached the hands of a fraudulent person
Product: Credit card or prepaid card

I have been a with COMENITYBANK/VICTORI  customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit card or prepaid card

On XX/XX/2021, I paid the balance {$330.00} on my credit card from my checking account ( same company ). Normally the available balance adjusts accordingly. It did not. I waited until the next day to check, still not updated. I called the credit card company and they said my account was on a 26 day hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudulent account tp be removed. I have attached my Drivers license and the FTC reports
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 ) Account Number XXXX Account Name XXXX XXXX XXXX Account Number 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 mor

e 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

Ally Financial was a company that I had a car loan through for XXXX  years until I paid in full in XXXX. I received a letter of congratulations I was never laid on a payment. Now in XXXX, I received an update from my credit score that it dropped XXXX points because of a change in the system that this company did. I reached out since XX/XX/XXXX XXXX  repetitively every month and was told that it was under investigation and that they had XXXX calendar days to get back to me they never did get back to me and my credit score keeps dropping because of this company. The last interaction I had I was hung up on by a representative on XX/XX/XXXX after being told they have XXXX  days to review and if I keep calling they will keep hanging up on me, I unfortunately had a XXXX XXXX  and need my credit score to remain in good standings as I worked hard for this and will need to relocate in the very near future. I had a XXXX credit score that has now dropped XXXX points because of this company.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting

I received a credit report from Experian and they are refusing to dispute fraudulent accounts that are on my credit report, which they refused to dispute XXXX and XXXX. These accounts have been on my credit report since 2007, though old accounts, they do not belong to me. They belong to XXXX XXXX. I have attached supporting documents in regards to why these creditors should be deleted immediately. They are not my accounts. They are reporting the same accounts as duplicates. I did not live at the address listed on XXXX or XXXX 's application. I have attached documentation to show my addresses almost 20 years. I was not aware of the debt until discovering on my credit reports.
Product: Debt collection

The following attachments are to select portfolio servicing in the unresolved complaints closed by the cfpb. 
This is the first of 2 submissions to prevent timing out of the system
Product: Debt collection

Hi I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : XXXX. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
XXXX. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
XXXX. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
XXXX. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.