23daVinci/CFPB_Complaints huggingface dataset:
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 under 15 USC 1681. 

1. professional debt me # XXXX XXXX. # XXXX XXXX. # XXXX XXXX american credit acce # XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair 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 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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 1681 s-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 causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX, and I am writing to formally dispute an account reported on my credit report. The account in question is with XXXX XXXX XXXX, and I am concerned about its legitimacy. Below, I have outlined my dispute : Dispute Statement : I am not aware of this account or if I ever signed up for it. I contacted XXXX XXXX XXXX, but they have not provided me with any evidence confirming whether I personally opened this account. Therefore, I would like to dispute this matter due to the lack of identification verification in the opening of the account. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. Additionally, as mandated by the Truth in Lending Act ( TILA ), creditors are required to verify a consumers identity and obtain consent before opening an account. Due to the absence of such verification, this account does not seem to be attributable to me. 

Action Requested : I am requesting that you : 1. Immediately investigate this matter in compliance with the FCRA.

2. Provide me with all documentation related to the opening of this account, including but not limited to any signed application forms or identification used during the account opening.

3. Correct or remove this account from my credit report if verification can not be confirmed.

I appreciate your attention and look forward to your prompt response. Please let me know if additional information is required for your investigation. As stipulated by federal law, I expect a written response from you within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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.

XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 was told I owed money for medical bills for my son that had already been paid. I informed them the bills had been paid over 6 months ago. I provided them with proof that the bills had been paid and they told me that the debts could be bills with the same amounts. I told them to check the information I provided, the claim numbers matched and I also verified there are no other claims from my insurance company with the same amounts. They still did not want to listen and told me to pay the debt.
Product: Payday loan, title loan, or personal loan

In the Fall of XXXX, I obtained a loan from OneMain Financial located in XXXX, Alabama for around {$3500.00}. In the process of getting the loan, i set up monthly payment to be withdrawn from my bank account. 
I refinanced the loan, at the request of the OneMain Financial reps in XX/XX/XXXX. Things were going great until XXXX XXXX. This is when OneMain Financial quit taking the money out of my account. I never noticed this because it was my account i was using just for them. I was told that they would just take the money out of the account on a regular basis. 

I started receiving phone calls from them in late XXXX, about the account. 
What worried me is that when the people from the XXXX office would call, they were rude and disrespectful. XXXX from that office called me 5 times within a 3 minute time span. When i finally answered, i explained to her that it was illegal to call me so many times and I could would. XXXX explained to me that she could call me when ever she wanted, how many times she wanted. The people from that office started calling my phone and hanging up in my face when i would answer the phone. 

I want my debt dismissed because i have tried paying them but they are relentless.
Product: Checking or savings account

A Huntington bank representative called me on XXXX of XX/XX/2022 from phone # XXXX and promised that {$150.00} would arrive my account XXXX by XX/XX/2022. However, it did not arrive by today XX/XX/2022. I called the phone # but reached no one. I left message twice but no one called back by this writing. I request Huntington bank to keep its promise. The bank said phone conversation would be recorded. I recorded it too, hence available for checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the 3 major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hi I belong to Experian my credit Report Shows, Some XXXX Ripped me Off by my ID, XXXX, XXXX XXXX Theft and Frauds Acts, I will be criminaly asking these Co, XXXX were it was n't Me applying for, Credit Cards XXXX Financing, Loans, Advances, Cars Boughten, etc will be listed, I have suffered a major financial loss from these and jobs loss, and anxiety problems from these crimes, I Need a Criminal Case Made on all these Co, s to Show Me, Restitution $ $ and a Court Case Will be Made on All of them if Not Settled and Restitution to the Best Amounts, Plus I, de like a Full Report on the Pictures, Emails, IDs, Signatures, Times and Dates of transactions / Finger Prints, Etc in Full Details Back Please, Heres The Co , s that someone Applied and Got Funded $ $ in my ID Entity and went on my Credit Report, Experian XXXX Lists, Free Score Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not in service new number? 
XXXX XXXX XXXX Bank = XXXX - XXXX - XXXX XXXX XXXX XXXX Bank = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX Bank = XXXX XXXX XXXX A lot of Accounts Here? 
XXXX = XXXX XXXX XXXX Financial = XXXX XXXX XXXX for the Following below # fluris lend up = XXXX XXXX - XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX Total Accounts = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX accounts there XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX Credit = and XXXX Cash Loans servicesXXXX =look up Website contact Please?, XXXX XXXX = XXXX XXXX XXXX XXXX Loans = XXXX to XXXX Accounts Please ask Thankyou XXXX XXXX Web Loans XXXX accounts there Accounts = XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX or XXXX Loans, there accounts = XXXX XXXX XXXX = XXXX or XXXX Accounts there Look Up Center XXXX XXXX = XXXX or XXXX Accounts there = Loans XXXX = XXXX or XXXX of them Accounts = Loans Look Up Website & Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts here Please Find All Thanks .. 
XXXX Pay Day loans XXXX Total Accounts = Look Up Website Please, All these Accounts through XXXX XXXX? above, XXXX Bank XXXX XXXX XXXX = XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX, = XXXX XXXX = XXXX XXXX XXXX XXXX = XXXX XXXX Bank loans = XXXX XXXX XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I , m Being Monitered while Doing these Co, s I Made a Crime Report to the XXXX XXXX Police Department, I XXXX m giving this to them also, theres a Real XXXX from these Criminals havnt Gone to SCARED STRAIGHT, Class or Death Row Education for further Proceedings,, this is on my Experian Credit Report No lies No perjury,
Product: Credit card or prepaid card

I was looking at my credit report as i am looking to purchasing a home, and there is a charged off account from  Cap One in th e amount of {$2200.00} that was opened in my name  XXXX / XXXX / XXXX  via phone/internet. It had a bill that was last charged  XXXX / XXXX / XXXX  and a last payment received on  XXXX / XXXX / XXXX . I am aware of none of this. I have tried repeated through mail and phone to correct this. I have asked for any verifiable proof bearing my signature. I keep getting a copy of a bill with purchases i never made and payments i never sent, but nothing containing a signature that can help me find out who opened the account and nothing that proves the account is mine. Meanwhile, the account is sitting on my credit report, inaccurately, ruining my credit and preventing me from purchasing the house i want. All i have asked is that it be removed from my credit report until there is some proof bearing my signature that I ever applied for or used this card. I am being unjustly accused of defaulting on a loan i never even applied for. This is defamation of character, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Credit card or prepaid card

In XXXX of XXXX Capital One Bank owned Household Bank ( XXXX ). Having a credit card account with XXXX since XXXX, we battled with them to remove an add on product that gives consumers debt protection, called AccountSecure Plus which was never removed and we were charged monthly for the product. In XX/XX/XXXX when Capital One took over, we asked Capital one to remove the program and told them our problems with removing it previously. Capital One assured us of its removal. In XXXX XXXX after a few phone calls to capital one in previous months about the product still on our account being charged, an employee let us know that third party vendors were being removed from all companies offering these products and we will be reimbursed for the fees soon. In XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX repeat phone calls to Capital One bank, talking to countless different employees asking them to please stop charging us for this product and the phone number listed on the bill for the product no longer was in service since XXXX. In XX/XX/XXXX our billing statement states " " As you requested, we cancelled your enrollment in Debt Protection ''. 
We were no longer billed from that date for that product. 
We called Capital One asking for reimbursement for the past 3 years of repeatedly trying to cancel this product and asked them about a consent order issued by the CFPB ( file number XXXX ) that they were supposed to reimburse anyone who tried to cancel the product after XX/XX/XXXX and was unsuccessful. They responded that we came from Household Bank at that time. They took over Household Bank XX/XX/XXXX on our end, the CFPB issued the order in XXXX of XXXX. Whether or not that applies, the Administrative proceeding, terminating the consent order on XX/XX/XXXX from the CFPB, states that Capital One canceled their add on products since XXXX, this is obviously not true and I believe because of the different name of the same product of concern. We were being charged for a product that was an add on that we asked repeatedly for 3 years to cancel through Capital One, throughout the entire Consent order they needed to comply with. Was the consent order specifying a particular add on product for debt protection? Are they allowed to just ignore us repeatedly when asked to be reimbursed after they said they would the first time we canceled?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on 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, credit repair services, or other personal consumer reports

Dating back to XXXX XXXX2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, Equifax, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, Equifax, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Product: Student loan

I have kept up with my monthly loan payments with Navient, however, I am concerned that my overall balance is going up and not down. I am currently on an income driven repayment plan and I would like to understand why my balance is increasing. I attended and graduated from XXXX XXXX, TX location but that locations has since closed due to fraudulent financial aid practices. I 've provided the school I attended here because it is not available in the section below for " What college or university did you attend when you received the loan? '' category. I believe it 's closure is why.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX : {$240.00} I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, XXXX, I even sent documents and called XXXXXXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a FEMA employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS
Product: Credit reporting

I was denied credit, based on an Experian credit report. I quickly fill out a request for my credit report at experian.com/reportaccess, as stated in letter, and it gives me a timed out error message every time. I feel this is an attempt to block people from getting their credit reports. Error page is attached.
Product: Credit card

I filed a dispute with Chase XXXX re : a charge from XXXX Hello, This dispute has been going on for 3 months now and I expect this to be swiftly handled by the Chase team. I am explaining the entire dispute here AND have attached all supporting documentation. 

XXXX/XXXX/XXXX - Reservation booked through XXXX XXXX for {$950.00} ( attachment pages XXXX ) XXXX/XXXX/XXXX - XXXX changed my reservation without consulting me to XXXX ( attachement pages XXXX ) XXXX/XXXX/XXXX - I called XXXX regarding changed reservation since it was not the reservation I paid for. XXXX offered to refund the reservation instead since they could not honor the original reservation. ( attachment pages XXXX ) XXXX/XXXX/XXXX - Followed up with XXXX who said the reservation had been refunded to my original credit card. ( attachment page XXXX ) The refund email clearly shows that the amount has been refunded to card number ending in XXXX [ Chase XXXX XXXX Card ] So, in this entire ordeal, which merchant is lying to the consumer. Either XXXX or Chase is. If you would like further documentation, please contact me at XXXX XXXX. 

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

In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to XXXX XXXX XXXX ( XXXX  ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When XXXX took over from XXXX, XXXX failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. XXXX  reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have XXXX correct this error but was given no attention. I have since paid off the mortgages.
Product: Bank account or service

Wells Fargo cancelled my debit card and I did n't know and never received a replacement card. I found out when I was at a gas station fifteen minutes from my house because my card would n't get approved. I called in to Wells Fargo and they said there was nothing they could do and told me to go to a physical location to get a temporary card ( which I could n't do because I had no fuel ). Because of their actions I missed a meeting with a very important client who might not do business with me now. I also had my screaming XXXX stuck at this gas station unable to leave or get her anything.
Product: Checking or savings account

Incompetent bank Citibank XXXX wont let me register my phone number to another bank cause XXXX said its registered to your bank. 
I closed account number XXXX From Citibank already. 
I just called customer service and the XXXX that is another incompetent hung up on me. 
Is your bank a joke or a serious bank? 
Remove my number from your bank so I can register it with another bank for XXXX If not compliance several complaints will be filed
Product: Debt collection

I have sent in XXXX/XX/XX/XXXX payments and XXXX XXXX has not cashed my checks. I tried to call them and got recorded message they are not accepting calls. When I checked the internet to see if they were still in business it indicated that XXXX XXXX closed effective XX/XX/XXXX to contact a number that is listed for XXXX. When I called the number it was Resurgent spoke with XXXX XXXX on XX/XX/XXXX he confirmed that XXXX XXXX closed effective XX/XX/XXXX. I advised that I have not received any letters or documentation of this. He directed me to contact new servicer XXXX, XXXX, XXXX XXXX XXXX. Who are these people? Are they going to steal my money like XXXX XXXX? Why are these companies/lawfirms sending letters notifying customers? I need debt validation letters from Resurgent and the new servicer. I need proof.
Product: Student loan

Hi, a while ago I contacted Mohela to request my deferment be removed. I was told that I could not do that because I was still in schoool. Mohela gave me the runaround multiple times so I moved to XXXX XXXX. Now Mohela is handling PSLF so I have no choice but to use them as my servicer. I am trying to remove deferment retroactively to XX/XX/XXXX. Payments were paused around that date and since that point payments were {$0.00}. 
Mohela gave me bad information and I have since learned that XXXX WAS allowing PSFL eligible people to retroactively remove deferment for this reason. I didn't take out more loans since before XXXX, so I wasn't adding to my loan balance. I want to get credit for the payment pause toward PSLF as I had asked previously. 
Mohela is also not showing my dates correctly now -- all of my loans show as XXXX but I stopped needing to take out money to pay for graduate school much earlier than that. My old messages are gone from Mohela as it shows they delete messages after 12 months. But I DID contact them with this request. 
Also, they sent me a tax statement claiming I had paid over $ XXXX in interest last year which I had not done. All I had done was move to XXXX XXXX. 
I know these are multiple issues, but the one I'm most concerned with is why they claimed I couldn't take deferment away while still enrolled in graduate school to take advantage of the {$0.00} payments counting toward PSLF. 
I do have record of correspondence with Mohela dating back to XXXX wanting to update my status, but do not have the emails since Mohela deletes them and they don't send the content of e-mails in their notice of a new message. 
Please feel free to contact me with questions. I really hope I can get credit for those payments since I did ask them to remove it.