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

In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX acct XXXX XXXX has violated my rights XXXX XXXXXXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate
Product: Credit reporting

I had a loan with XXXX XXXX XXXX XXXX. I paid the loan in full, earlier than the original pay-off date. I asked Transition to update my file to reflect the loan as " paid ''. Instead they deleted the entire tradeline. Clearly, no proper investigation was conducted and I lost a positive trade-in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

I borrowed in 2005 from a private lender in XXXX Az the sum of {$15000.00} the lowest they would lend and got {$12000.00} after deductions of the financing from the personal lender. Some years later I married and my husband and I needed cash, It was XXXX neither of us were working and he wanted to relocate to a job in XXXX alone, to work as a partner in a XXXX. I married him to care for his daughter who had XXXX. The marriage was for the advantage of placing her a few days a week in a XXXX school. Me being her step mom would be easier, we thought. Any how the man was a close childhood friend. We went to a finace company to get a l loan on his truck, and spoke to the financer of my personal loan which was approved with my free and clear house deed, and i owed {$10000.00} We told them he was working and they said they could get the deed from the lender then add {$8000.00} and wallah, we did. I think that this company did something wrong like not subtracting the truck and just using my deed. My husband left to XXXX abandonded me aand the debt that he was part of and i struggled for a few years to pay with no husband to help. My house in in forecloure, they once said it was written off, but XXXX peopla a woman who used different names a man who was using diferent names also. My house was suppose to be auctioned off XXXX times but was poseponed. And now they said my house was sold, they offered a settlement but said 3 to 6 months for my deed. i dont know if my XXXX boys my XXXX year old mom and myself are gon na be homeless.
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XX/XX/2023. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.
Product: Debt collection

I am not aware of this debt and was not given the opportunity to dispute it. I did not receive proper notification regarding this debt. If you believe that proper notification was sent, please provide proof of delivery, such as certified mail receipts. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), it is my right to receive this notice within five days of the initial communication. Placing this debt on my credit report without providing proper notification within the required five days is a violation of my consumer rights.
Product: Debt collection

COLLECTORS KEEP SKIP TRACING MY CELL TRYING TO COLLECT FROM FAMILY MEMBERS. CALLS FROM XXXX XXXX COLLECTR FOR PROFESSINAL ACCOUNT SERVICES , INC PRESIDENT NAME XXXX XXXX.
Product: Debt collection

Collection agency claims that I signed a promise note ( which I did not ) on XXXX. They also claim that I came to their business & personally made 2 payments ( 1 on XXXX & the other on XXXX ). I had/have never been to the agency & up until XXXX, I had never seen this person before a day in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX, XXXX ; XXXX XXXX ; XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Product: Payday loan, title loan, or personal loan

I just found this all though I've been asking for a readout on my acct for more than a year. I have a false loan amount of more than {$8600.00} that apparantly I've been paying for now for 2 years. And also I had a wreck last year and instead of my car getting fix with my full coverage insurance One Main took my check to fix my car and cashed it without my consent. And it didnt close the acct. Out I'm still paying for a damaged car and I never got a loan for {$8600.00} I can prove this. They are also charging me 31 % interest so i am completely upside down on a loan i cant ever payoff for a damaged car they took the money for. And the kicker on that is the say the didnt cash it though i can prove they did. In total i did borrow over a 3 year period XXXX and am paying back {$24000.00} this is crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to Lexis Nexus on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they Lexis Nexus was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX Lexis Nexus verified this account with XXXX  Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied to Citibank and XXXX XXXX for their Advantage Card. They promised XXXX miles and {$100.00} if I qualify. Well, my FICO score is XXXX or so, so that should n't be a problem, I figured. They did n't approve, did n't write back, did n't communicate. I asked them for a reason over my secured email for the accounts I have with them, but they failed to communicate and also what is there to communicate. They know me as their existing well paying customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent XXXX not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount XXXX not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
Product: Prepaid card

My American Express Serve Prepaid card has been duplicating charges since XXXX/XXXX/2016. I did n't notice the issue until XXXX/XXXX/2016. I am now in the negatives in my account and American Express has not fixed the issue. I am traveling out of state and to have this issue because of American Express and to not be able to reach anyone with customer service is extremely unprofessional. I want the charges taken off of my account and my original balance restored.
Product: Student loan

I am a co-signor on a student loan. I received a phone call on Thursday, XX/XX/XXXX from a representative with Navient. He did identify himself ; however, I let him know that I am not able to pay this loan for this student at this time and whatever steps Navient needed to take, knowing that information they should take them. I asked him if he has spoken to the student and he said no and I asked why and he stated they can't reach her. I again ask that he not call me further and that I am unable and unwilling to pay for the student 's loan. He got aggravated and raised his voice, stating that I didn't have a choice in the matter and that I am responsible. He told me in a threatening tone that he would be forced to take action against me. I was at work during this phone call. Later that I evening I received an email at my work email requesting an employment verification. I am not sure what my rights are here, but I felt the call was very aggressive and threatening.
Product: Credit reporting or other personal consumer reports

In early XXXX, I discovered an unauthorized hard inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX dated XX/XX/year>. I have never had a credit card account with XXXX XXXX XXXX XXXX, nor have I authorized any credit inquiries from them. This unauthorized inquiry is damaging my credit score and is a clear violation of my consumer rights. Despite initial removal, the inquiry has reappeared on my report.
Product: Debt collection

Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX Put a negative charge on my credit report report rthey said I owed XXXX XXXX XXXX XXXX the sum of {$1300.00} They have an open date of XX/XX/2018.They failed to notify me that they were doing this and didnt give me a chance to dispute this. This same charge was put on my credit report 3 years ago I disputed the charges and was found to be in my favor and was removed from all 3 credit bureaus. It appears that nation Wide Recovery System has purchased this from some other company and put it back on my credit report
Product: Checking or savings account

I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I vehemently deny authorizing any of the following activity on my bank accounts ; however, the bank is refusing to reimburse my funds. I have taken the following steps to resolve this issue and prove to Chase that I was a victim of fraud : I realized my account had been compromised after logging into my online account on XX/XX/XXXX. My checking and savings accounts were drained by unauthorized transactions. In regards to my savings account, an unauthorized transfer of {$4700.00} was made to my checking account. In regards to my checking account, {$5400.00} worth of unauthorized transactions were allowed to occur by my bank. I immediately called my bank on XX/XX/XXXX, to report the fraudulent activity on my accounts. 

The Chase representative then opened a dispute on my behalf and stated I should hear from them within 10 business days. 
The Chase fraud department also locked my accounts and created a new username and password for online banking. The associate instructed a new debit card would be sent to me. When I asked the bank associate if I need to call the police, I was told no. The bank stated law enforcement would merely call them. 

I took it upon myself to make an identity theft report with the Federal Trade Commission and place a security freeze on my credit report the very same day. 
I also changed my email passwords and enabled 2-step authentication. 

On XX/XX/XXXX I visited my local Chase bank to close accounts and speak to a banker about fraud resolution. I informed the banker of the steps I have taken thus far and asked for further directions or guidance related to the fraud. I was only told that an investigation was taking place and I should be reimbursed within 10 business days. The banker confiscated my debit card to destroy, then created a new checking and savings account. 

On XX/XX/XXXX, I called the fraud department to check on the status of the investigation. I was informed that Chase closed my dispute because they believed the transactions were authorized. I escalated the call to a supervisor who informed me they would re-open the dispute and re-investigate the claim, and I would hear back from them in 3-5 business days. On XX/XX/XXXX, I sent through Chase online secure messages a request for any and all documents relied upon to make the decision not to reimburse me for the unauthorized transactions. On XX/XX/XXXX, I sent a copy of the Identity Theft Report made with the Federal Trade Commision as well as proof of the placement of a security freeze on my credit reports. I am still waiting on their decision ; however if you can offer any further advice or support regarding this issue it would be greatly appreciated.
Product: Debt collection

XXXX XXXX continues to insist that I owe {$67.00} for medical supplies shipped out on XX/XX/2020. XXXX XXXX currently has hired the debt collection agency I.C. System to assist them in their attempts to collect on a debt that is not owed. 

My health insurance company XXXX XXXX has already made payment in full to XXXX XXXX for the services rendered. I have included the explanation of benefits as proof. 

I have made nearly a dozen phone calls to XXXX since XX/XX/2020 but the imbeciles employed by XXXX have yet to fix this issue.
Product: Credit reporting or other personal consumer reports

The Attorney General XXXX XXXX XXXX is reporting that I have not made a payment in 180 days which is incorrect. I have obtained a up to date copy of my payment record and the credit reporting agency refuses to update my report with the correct information. It is being reported on XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am demanding immediate action to address and remove them. 

**Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed an identity theft report with the Federal Trade Commission ( FTC ) and insist on the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Money transfer, virtual currency, or money service

I received a 1099 Tax Statement with my SSN in XX/XX/year> from CashApp but I have never opened an account with CashApp nor even knew of the company 's existence. When reaching out to the CashApp to freeze the account, the CashApp Support representative, XXXX, explained that the account would only be frozen after local authorities were involved to investigate the potential fraud claims and redirected to report identify theft to the Federal Trade Commission. 

I've already submitted a fraud claim with the FTC and other consumers experiencing the same exact issue with CashApp recommended to submit a complaint to CFPB as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB 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. 

XXXX XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX  XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violates Federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX keeps attempting to remove money out of my account that I dont owe.
Product: Money transfer, virtual currency, or money service

I have had cash app for 6 years when my financial aid was deposited into my bank account that debit card was connected to cash app my entire financial aid was sent to another cash app account. And cash app. Only answers were that it had been done successfully and then closed my account because I was breaking there policies so I started another account and again my account was debited and sent to another cash app account and again after reporting it cash app trys to make me verify my identity which had already been verified for over a tear, upon trying verify identity the pages wouldn't load would kick me out and wouldn't allow me to upload documents and again over XXXX was stolen from. My account and cash app again closed my account saying I was breaking there policies and no fraudulent transactions had occurred on my account. I also track down the account and person where the money was sent to and this person was requesting that money be sent back and cash app only answers where the money had been successfully transferred and nothing could be done about it even though the account holder was notifying cash app support that this wasn't his money he hadn't authorized the transfers and that he didn't have the account it was sent to. Wanted then to reverse the transfers they closed his account and mine unlinked my debit card from account and say that transaction were authorized and nothing fraudulent happened and transfer were successfully done XXXX times it's happened to me in XXXX of XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXXn XXXX XXXX  tickets were bought with my account and r Reversed the. XXXX XXXX 4 months later made me pay the disputed amount to get on a plain after I purchased tickets as well as the data breach with evolve banking all been linked to my cash app my XXXX XXXX  was debited XXXX my evolve XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Equiant Financial Services Inc timeshare developers attempted to collect a debt using egregious conduct referring to debtor 's race forcing payment using prior court dismissals. As a result, compliant/debtor sought federal court action ( Edwards et al v. Flagship et al., 1:22-cv-05386-KMW-AMD ) in violation of 42 U.S.C. Section 1983 Civil Rights violation and under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, which prohibit debt collectors from engaging in abusive, deceptive and unfair practices. 
In addition, debtor filed in XXXX XXXX ( Edwards et al v. Flagship et al, ATL L-002502 22 ) against the above mentioned companies in violation of New Jersey Consumer Fraud Act, N.J.S.A. 56:8-1, which prohibits activities of " unconscionable commercial practice '' " deception '' " false promise '' and " misrepresentation. '' When called, the timeshare was never available for use under the timeshare agreement of odd year usage nor during alleged peak seasons. But, when called back minutes later there was availability at owners discounted rates. In XXXX, on top of the monthly payments there additional per night visit cost of {$45.00} dollars and one night {$100.00} dollars exercising a " double-dipping cost policy as a matter of practice and custom with deliberate indifference. We stop paying for something we has no access too.