23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 

Per 16 CFR 313.7 ( f ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt-out at any time. 

I have opted out but they are continuing to report my private nonpublic information against their terms and conditions by supplying it to non-affiliated third parties, not supplying me with the required opt-out documentation, and committing Identity theft by using my copyrighted name. 

16 CFR 313.1 Authority:15 U.S.C. 6801 313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Also, a charge-off is a " certificate of indebtedness '' and is now being reported as " INCOME '' which is " NOT ALLOWED '' to be reported on my credit report
Product: Credit reporting

I 'm filing this complaint today because my request to Experian have been ignored. Since XXXX XXXX, I have submitted multiple requests to Experian to provide me with documents that they have on file that was used to authenticate and verify the account showing as negative on my Experian Report and I have not yet received the verification I requested. On XXXX XXXX, XXXX I sent a certified letter requesting Experian to supply the verification process, including the name of the person they spoke with. After not being supplied the information I requested, I again sent another letter on XXXX XXXX, XXXX. I did not receive the information requested from the XXXX XXXX letter either. In addition, I have sent a letter to XXXX XXXX XXXX and have n't received the information requested from them either. Under Section ( 5 ) ( A ) ( i ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy. Please help me resolve this matter and have this account removed from my Experian report immediately!
Product: Checking or savings account

I try signing up for chime an it tells me my social security number is linked with another account but I never made an account with chime so I would like to know how that is XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I purchased gas at XXXX XXXX in XXXX Pennsylvania. The pre-authorization amount and hold was {$170.00}. In my other instances at this gas station, the hold was lifted within 24 hours. However, the hold was never lifted. I was charged for XXXX gallons of gas despite the fact that my gas tank can only hold up to XXXX gallons. I have disputed this twice, Capital One refused to reach out to the merchant. I had to spend approximately twelve hours on the phone over the course of three months, just to get a minimal amount of information from the merchant. Once I finally received the receipt from the merchant and uploaded it to a third dispute with Capital One I was informed that not only can I not be helped, but also that too much time had passed. This can not be accurate because my original dispute was within 10 days of the charge and I have been in contact on multiple occasions since that time. Compounding this issue is the compounded interest since that time. Ive been charged interest on the additional {$100.00} that I am owed and I have not been able to use my credit card since.
Product: Money transfer, virtual currency, or money service

My XX/XX/XXXXaccount and XX/XX/XXXX bank has been compromised. Transactions being made not authorized by me. Call bank speak to XXXX different ppl each time and can't get them to give me names or employees # 's. No documentation is being made on my accounts. Get transferred around not getting the issue resolved. Add {XX/XX/XXXX} on my XX/XX/XXXX Still don't have funds 4 days later. Been toXX/XX/XXXX4 times to fix this because XX/XX/XXXXis refusing to help. Even have them the reference # on the receipt from purchase that XX/XX/XXXX store XXXX told me to give XX/XX/XXXX.Then i. GaveXX/XX/XXXX the sequence and authorization #. STILL nothing has been resolved.
Product: Debt collection

Jefferson Capital Systems LLC, Garnished my wages due to Identity fraud account opened in my name, reference to Complaint CFPB # XXXX. On XX/XX/XXXX, Jefferson Capital responded with release of Garnishment & ref # XXXX no further collections & the account under XXXX XXXX would be closed. Jefferson Capital Systems Garnished my paycheck, taking more than {$2100.00}, without advising me of a refund. I am requesting an immediate refund. Jefferson Capital, Garnished my paycheck put me in a Hardship. I have over {$3500.00} in outstanding fees due to Jefferson Capital Garnishment ignoring the fact that myself & the three Credit Bureaus, XXXX, XXXX XXXX XXXX sent them the Identity Fraud packet. Jefferson Capital mentioned where they removed the Tradeline from all three Credit Bureaus in XX/XX/XXXX, however still Garnished my wages. I am demanding all monies Garnished & the Hardship that caused me to receive additional fees from where I live totaling {$3500.00}. This has cause me mental anguish, XXXX  & so much frustration due to Jefferson Capital Systems , LLC, greed. Please return all monies Garnished within 3 business days. I have received an eviction letter from my residence regarding this horrible issue.
Product: Debt collection

the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for Cohen and assoc XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
Product: Credit card or prepaid card

I 'm signed up for paperless billing because I 'm meticulous about paying my bills online and I hate the clutter of mail. So I was surprised when I received a bill for XXXX XXXX ( a furniture store ) stating I was 3 months past due for a monthly {$2.00} minimum charge fee and resulting late fees ( {$27.00} total ).
I recently paid our 24-month 0 % interest purchase ( 11/21/15 ) off ; and even overpaid {$75.00} because I did n't stop my $ XXXX monthly payment after making the final payment of {$1500.00} prior to the promotional balance ending ( X/XX/17 ).  XXXX XXXX refunded me my {$75.00} additional payment and my balance was {$0.00}. I subsequently, removed this creditor from my list of bills to pay.
I accept the fact that i did n't read the fine print because I would 've canceled the card after paying it off. But I 'm unable to locate the terms of service and the company is intentionally being opaque with providing the information on their website. I 've spent about 30 minutes looking for the terms of service and I continuously am directed to contact their customer service center. Why was I not charged a minimum fee in XX/XX/XXXX when I had a balance of - {$75.00}? Also, why have they waited 90 days for them to stop my paperless billing and send me a notification. It feels predatory to wait until my account is that past due to notify me.
Product: Checking or savings account

I saw Citi offering a bonus of {$400.00} for opening a savings account and depositing {$15000.00} for a minimum of 90 days. I created the account on XX/XX/XXXX, and deposited {$15000.00} on XX/XX/XXXX into the savings account. On XX/XX/XXXX, I received an email stating that I had earned the {$400.00} and it would be deposited within 30 days. On XX/XX/XXXX I still had not received the {$400.00} and called customer service. They indicated they would look into the matter and get back to me, but with no resolution. I called again on XX/XX/XXXX to inquire and they indicated they would resolve the issue in 5 business days. On XX/XX/XXXX, I received a letter from Citi stating that they had investigated my case and that I was not eligible for the {$400.00} because the checking account had been closed, whereas the terms state the account must be in good standing. I thought the promotion was for a savings account and didn't realize the checking account had anything to do with this. The savings account was still open and in good standing with the required balance, and I had take no action to close the checking account. I called Citi customer service on XX/XX/XXXX to ask about this. They confirmed that I would not receive the bonus because the checking account had closed because of a XXXX  balance. 

This seems unethical because there is nothing in the main terms of the promotion that there must be activity in the checking account, only that there must be a minimum balance. I see that in the fine print of the promotion, it states that if you happen to deposit the full amount in one account but not the other, they will close the account and void the promotion. If I had simply moved a small amount to the checking account, I would have received the bonus. This does not seem fair, especially since they sent me an email on XX/XX/XXXX confirming that I would be receiving the bonus, even after the checking account had been automatically closed without any notice to me. This fine print term is clearly a misleading advertising tactic to XXXX their customers and does not seem like a fair term to include.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App. ( Block, Inc. ) due to inadequate customer service and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent an 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

I applied for a capital one secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , XXXX and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , XXXX , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, XXXX, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. 
and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Product: Credit card

I ordered an item from Nordstroms a merchant online in XX/XX/2024 that was suppose to be delivered to my home address. When I was later notified it was delivered when I was not home I could not find the package. I then contacted the merchant about the problem and they did an investigation. I was then emailed that since it was delivered to the right address regardless of whether I was home that they are not responsible for a lost or missing package and would not provide a refund or replacement. 
I then contacted Nordstrom credit card services and filed a dispute as a billing error since the package was missing. After 30 days I received a letter stating that my dispute was denied and I am still responsible for the bill ( {$270.00} ).
Product: Student loan

I am currently on the XXXX program for my loan. its my understanding, that during this forbearance period, the minimum payment is {$0.00}, and interest should also be at 0 %. however, interest is at 6 % and still accruing on my loan. to date, interest has accrued in the amount of {$2400.00} and {$49.00} for my second loan. please see picture attached for more clarification. 

id like this to be remedied and revised to be taken off my account and my interest set to 0 % until forbearance is lifted. nelnet employees are incompetent and every time i call a representative gives me a different answer.
Product: Credit reporting or other personal consumer reports

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Fair Collections & Outsourcing is attempting to collect an alleged debt from original Creditor ( The Villas at XXXX XXXX ). When I left The Villas at XXXX XXXX in XXXX of 2019, they told me they would forward me any amount owed. This is due to Maryland Code, XXXX XXXX XXXX which states that " a landlord must make reasonable efforts to re-rent their unit instead of charging the tenant for the total remaining rent due under the lease. This is referred to as the landlords duty to mitigate damages. This means that if a tenant leaves the lease early and the landlord re-rents the unit before the lease ends, then the rent received from the new tenant will apply to the tenants debt. '' XXXX XXXX XXXX  XXXX XXXX never sent me a final bill and without ever attempting to reach me, conjured up a random number and sold a false debt to Fair Collections & Outsourcing. Now, the debt collection agency Fair Collection & Outsourcing is attempting to get me to pay a random amount claiming that it is owed to XXXX XXXX XXXX XXXX XXXX. They have yet to provide me with any sort of breakdown of what I owe and how I owe it. As a cleared government employee this popped up on my credit report as a collection, however, it is clearly erroneous and clearly an attempt to extort thousands of dollars from me. This debt collection agency has a history of unscrupulous practices, and they depend on individuals not filing complaints to minimize the scrutiny upon them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the Equifax breach I attempted to get my Equifax credit report and freeze my credit on Equifax. In both cases I received a time-out error message from the Equifax website. I tried the process on 3 different browsers to no success. I understand Equifax 's systems are under duress during this time but it is unacceptable that I can not protect myself due to their incompetence. Furthermore, the fact that they had to be pressured to waive their fee for credit freezes adds insult to injury
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Student loan

Good morning. As it is known worldwide, there is a COVID-19 Pandemic going on. I requested forbearance for my student loans ( which should of been stayed automatically ) and to my surprise, I received an automatic debit from AES in my account where no funds are available plus I requested a forbearance via AES 's website. 

I am being charged fees for overdraft and will pursue this issue as AES/PHEE and/or any servicer that has managed this account has caused great damage, harm and other damages. 

Stop auto debit as CARES  and and Families First act requieres, pay damages and return fees. Plus their is another complaint regarding illegal fees charged which is not closed and am awaiting for CFPB to inform about appeals and legal process and or guidance as how to proceed. 

Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I noticed that this account on my credit report is in violation of 15 US code 1692j. Furnishing certain deceptive formsXXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXXXXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/scrub>XXXX XXXX XXXX
Product: Debt collection

I received a letter from Radius dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at Radius. I do Not owe this debt and certainly would not agree to pay it. XXXX XXXX was the original creditor of this debt and XXXX XXXX has been deleted from my credit report. XXXX XXXX changed their name to XXXX. All XXXX accounts have been removed from my credit report because the were XXXX XXXX. XXXX sold this debt to Radius during the time I had a complaint with the CFPB against them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Experian reported several accounts on my credit report that do not belong to me. I am going to list them individually. This is very upsetting as my XXXX XXXX dropped and these accounts are delinquent. Here are the accounts in order of the credit report from Experian : XXXX ) Capital XXXX beginning with number XXXX with a balance of {$2500.00} and opened on XX/XX/XXXX XXXX ) Capital XXXX beginning with number XXXX with a balance of {$660.00} and opened on XX/XX/XXXX XXXX ) Citicards XXXX beginning with number XXXX with a balance of {$260.00} opened on XXXX XXXX, XXXX XXXX ) Comenitycb/Ulta beginning with number XXXX with a balance of {$330.00} and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX number with a balance of XXXX and opened on XX/XX/XXXX XXXX ) Netcredit/Republic Bank beginning with number XXXX XXXX XXXX balance of {$7200.00} and opened on XX/XX/XXXX XXXX ) SYNCB/Care Credit beginning with number XXXX with a balance of {$6700.00} opened on XX/XX/XXXX XXXX ) SYNCB/TJX COS beginning with number XXXX with a balance of {$460.00} and opened on XX/XX/XXXX XXXX ) XXXX XXXXXXXX beginning with number with a balance of XXXX and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX on XX/XX/XXXX XXXX ) XXXX XXXX with XXXX XXXX beginning with number XXXX with a balance XXXX {$13000.00} and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX beginning with number XXXX with a balance of {$36.00} XXXX XXXX and opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX auto loan beginning with XXXX with a balance XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX auto loan beginning with number XXXX with a XXXX XXXX XXXX and XXXX on XX/XX/XXXX This is very distressing to me as I do not own any of these accounts and don't even have a car and I do not belong to XXXX XXXX XXXX XXXX. I need these accounts removed immediately or I will take legal action against Experian