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

i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.-XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either
Product: Credit reporting or other personal consumer reports

The XXXX  XXXX data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. 

In response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge XXXX to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I attempted to break a lease with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I chose to break the lease due to Military Orders, with the clause that is included in the Lease that requires the landlord, by law, to terminate the lease at my discretion with military orders. The management team, specifically, Ms. XXXX XXXX, refused to take an official memorandum, from a military commander, that provided early notification as of XX/XX/XXXX, that lease termination would occur because a pending military deployment to a contingency operation. I was called to active duty on XXXX XX/XX/2019 for a 400 day deployment orders. Ms. XXXX claimed only the actual orders would suffice so on XXXX XX/XX/2019, we provided the copy of the official military orders to the office at XXXX XXXX. We were subsequently charged our entire security deposit, plus an additional {$840.00} and was sent to collection with a noted 18 % interest for late payments. 

We did not pay this because this is an erroneous charge. We consulted with the XXXX XXXX XXXX Assistance team and had a lawyers letter explaining this was a violation of the Servicemembers Civil Relief Act ( XXXX ), and further explained that Texas does not allow for reprisal by a landlord due to the breaking of the lease in this manner. 

The security deposit was taken and claimed that the apartment was dirty on moveout. This was also falsely claimed as we have pictures and statements from the two neighbors who helped us pack and clean the apartment prior to our departure. The XXXX management team refused to do a joint walk through inspection of the apartment prior to our departure or on arrival. Pictures of the apartment at move-in are also available. This adverse credit action in violation of Federal and State law effected my family from moving to another location from our current residence to be close to a medical facility since we have a child with a serve and life-threating medical condition and can not obtain a lease through a rental company regardless of income because of this adverse and erroneous credit action and attempted debt collection.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer ACT ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me. 
This account was not made by me or authorized by me. 

XXXX XXXX account # XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX. On XX/XX/2019, I went to check n go to  apply for a loan. They loaned me {$1700.00}. I paid {$240.00} On XX/XX/2019. I called check n go and they told me to pay off as of today is {$2000.00} and every day it increases. I did not know I was going to have to pay back so much. They put me in a loan that they knew according to my income, I could never pay off. I am mentally XXXX and on a fixed income and take care of my daughter with XXXX. Im taking them {$1200.00} today that I had saved up to buy a house for me and my daughter. They told me that this loan wouldnt show up on my credit report but its on my XXXX, XXXX, and XXXX. Please help me with this matter because Im on a fixed income and cant afford this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Mortgage

Our Home Loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services on XXXX XXXX, XXXX, to date ( eleven months later ) our account is NOT SET UP. I have not gotten a statement from Carrington since XX/XX/XXXX. 
They have not applied over {$18000.00} in payments all of which were sent via EFT from my Credit Union to Carrington, all of the mortgage payments sent by us ( and by our Bankrupcty Trustee ) have not been applied and are sitting in a suspense account. 
I had to call to get our account number so I could send the payments, then I started calling regularly after two months when we were getting statement showing a huge 'past due ' on our statements. I was told numerous different reasons why my statements showed that way but ultimately I was told that they had a backlog and our account was n't set up and that 's why we could n't access anything online. After calling them for months I suddenly stopped receiving statements ( I got statements from XX/XX/XXXX-XX/XX/XXXX ), when I called to find out why i was told because we were in Chapter XXXX we could n't have regular statements unless they recieved a letter from our bankrupcty attorney allowing it. My lawyer sent the letter immediately, I called a week later and they said they had it but it had n't been 'processed '. I called a month later it still had n't been processed, when I called in XX/XX/XXXX I was told yep it was recieved on XXXX XXXX but not processed but XXXX assured me they now had a dedicated staff to process those requests. A few days after that phone call I got a call back from XXXX telling me that eventhough their system showed they had the letter, they ca n't find it and I need to resend. She gave me an email address to send it to, the email failed. I refaxed the letter using the same number my attorney used. 
I then got a letter in the mail from Carrington asking for my SSN number, not sure how they can have our loan and not know my SSN. Anyway I filled that out and sent it back along with a HARD COPY of the letter from our attorney asking that statements be sent to us. It 's now XXXX and I have n't gotten a statement. When I called to inquire I was transferred around and no one could give me an answer. Finally I was put on hold by 'XXXX ' and then he disconnected the call.
Product: Credit card or prepaid card

i attempted to pay my bill online and was unable to do so. when i contacted the company they said my account had a " temporary restriction to protect my account ''. When i ask why, they are unable to explain what threat they are trying to address. i have had to speak to multiple people, all of whom i are requesting my confidential information. i am concerned that my account was compromised and as a result i am being treated in the same manner as if a fraud occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refused to respond back/failed to investigate. Per FCRA, credit reporting agencies have 30 days to respond. XXXX said " give them 60 days '' and yet no response from them. It's been 3 months now. I am unable to move forward with applying for a home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor XXXX not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
Product: Credit card or prepaid card

Synchrony falsely advertises my home card can be used at XXXX XXXX. I went to XXXX XXXX in XXXX ohii and the card would not work. I spoke to a supervisor on XX/XX/XXXX from synchrony who told myself and XXXX from XXXX XXXX that I should be able to use the card by XX/XX/XXXX. I went back today and the card still would not work. They are fraudently advertising my synchrony home can be used at XXXX XXXX. Then they are lying to XXXX  and myself stating that the card will work by XX/XX/XXXX.
Product: Debt collection

i never owed this debt and there claiming i owed it they lied in your response i have a letter from synchonry that says otherwise they need to be investigated for illegal collections tactics this was there previous response Crown Asset Management ( 'CAM ' ) is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX 's XXXX Business Credit Card account ending in XXXX on XX/XX/XXXX, for which XXXX XXXX is the personal guarantor. From XX/XX/XXXX until on or about XX/XX/XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX, and subsequently purchased by CAM on XX/XX/XXXX. Additionally, and as part of our investigation CAM is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, CAM shall cease future collection efforts from XXXX XXXX until said documentation is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX CT XXXX XXXX XXXX XX/XX/XXXX Balance $ XXXX Late Date XXXX
Product: Checking or savings account

XX/XX/year> Chime Financial , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Regarding Dispute Claim Decision for Account Ending in XXXX Dear Chime Executive Team, I am writing to formally express my dissatisfaction with the handling and outcome of my dispute claim regarding an unauthorized transaction on my account ending in XXXX. The details of my claim are as follows : Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Reported : XX/XX/year> Claim Amount : {$280.00} Despite providing substantial documentation, including proof of purchase of a replacement phone, a claim confirmation from XXXX, and an approved police report detailing the theft of my wallet and phone, my claim was denied, stating no error occurred. I respectfully believe that my case was not adequately reviewed or that critical information was overlooked during your investigation. 

Enclosed are the following documents that I previously submitted to support my claim : 1. Proof of Phone Purchase - Dated XX/XX/year>, from XXXX, confirming that I had to purchase another phone after my original phone was stolen. 
2. XXXX  Claim Confirmation - Dated XX/XX/year>, confirming that I created a claim with XXXX for a replacement phone. 
3. Approved Police Report - Report XXXX XXXX, dated XX/XX/year>, detailing the theft of my purse, which contained my wallet and phone. 

These documents demonstrate that I did not authorize the disputed transaction and that my cards were compromised during the theft. I kindly request that your team reassess my case with the additional evidence provided and reconsider the outcome of my claim. 

The unauthorized transaction has caused me significant inconvenience and financial hardship, and I believe that I am entitled to the protection and resolution promised by your services. If there are any other documents or details required, please do not hesitate to contact me. I am eager to resolve this matter as promptly as possible. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

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

I want to report serious issues I encountered with Experian credit freezing service and policies. 
I wanted to apply for an XXXX XXXX card in a process of purchasing International flight tickets ; therefore, I lifted Credit Freeze on XXXX and XXXX while I placed a freeze with these two companies. I was denied the credit card due to a Credit Freeze in Experian, which I did not place to my best knowledge. I keep paper records and do not have anything, nor I remember calling Experian. 
My wallet was stolen in year XXXX. I reported this to the police and three banks I had credit cards and bank cards with. I had credit frozen by XXXX and XXXX personally at that time. Probably one of the banks or credit agencies froze my credit with Experian as well. 
When I wanted to Lift the freeze I went to the Experian.com web site. Four out of the five questions I had to answer None because the information was not valid. The freeze was not lifted as a result of incorrect information submitted XXXX/XXXX/XXXX @ XXXX PM. 
I called Experian XXXX/XXXX/XXXX @ XXXX PM and was told my Lift is locked due to wrong answers given and that it will take three business days to unlock it after I submit an identification proof. I submitted a copy of my drivers license as requested to the Experian.com Upload web page @ XXXX PM. 

I called Experian Friday XXXX/XXXX/XXXX @ XXXX PM and found out to my deep disappointment that they are closed due to the Holiday. Their services list as working on Saturdays and Sundays as well. It is not Holiday yet, it will be on Monday XXXX XXXX XXXX. 

This is unacceptable. The International flying tickets I need to buy were down to the last two seats today in the morning.
Product: Credit reporting or other personal consumer reports

There is a debt owed with a company I never had any business with, I sent a debt validation letter, still no response
Product: Credit reporting or other personal consumer reports

Hello.I found three unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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

On XXXX I sent a letter to Experian asking incorrect reported items on my credit report to be reviewed and corrected and have not received any communication in over 30 days. FCRA says a response must be made within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account has been charged off and should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by Priority Mail. I also sent two checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I had applied for a checking account with Capital One and was denied based on a XXXX XXXX XXXX, I removed the freeze and waited over 24 hours to reapply on XX/XX/year> as directed, I was denied again. I waited and applied again on XX/XX/year> and received a denial stating there was a freeze on my consumer or credit records. It stated to contact XXXX XXXX. I did and XXXX XXXX confirmed verbally and in writing confirmed there was not a freeze on my XXXX XXXX ( I had also confirmed there was not a freeze on my big 3 credit reports. ) At this point I called Capital One, the representative stated there was nothing I could do but wait even though I had waited several days from the thaw and XXXX XXXX had confirmed there was not a XXXX XXXX XXXX. I asked for a supervisor and spoke with XXXX - employee # XXXX and opened case # XXXX because there is no freeze on my XXXX XXXX and Capital One 's system has not updated to recognize this and I have repeatedly denied an account strictly based on a XXXX XXXX freeze which is not valid. After speaking with Tim I waited until XX/XX/year> and tried again and received the same denial. I am also a current Capital One customer with other open accounts but could not receive any assistance to resolve this matter. I am concerned not only for myself but for other consumers that have used a security freeze that when they lift the freeze and apply for an account that they also will be denied due to a system malfunction at Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may  concern, I submitted a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be dis puted and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX XXXX, TRANSUNION, XXXX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.