23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Capital one has literially put some kind of rediculous hold on my funds of XXXX dollars for a week without reason or explaination. Along with that XXXX isnt doing anything as their banking customer to help come up with a solution. So between XXXX XXXX of dollar companies i have had no money available to me for over 6 days which literially immoral and wrong.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Product: Debt collection

1 ) UpstartXXXX XXXX  Upstart Loan Operations/Upstart Network Inc. - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to respond to my request, well past 30 calendar days.
Product: Credit reporting or other personal consumer reports

Balance has been incorrect for years. Payments were being made on time and balance kept rising. Asked debtor to investigate with no response.
Product: Debt collection

Company Crown Asset Management XXXX Cant get any information from company on lien on my moters house she has passed away her name XXXX XXXX XXXX My name is XXXX XXXX XXXX
Product: Debt collection

Unknown account and no way I owe this, requesting validation and verification.
Product: Credit card

I took a loan amount of {$15000.00} on XX/XX/year> and it's for 0 % due to an offer from chase on my freedom unlimited credit card after that neither the bank nor the bank mobile application ever informed me that I SHOULDN'T make any transactions APART THE LOAN on that card as you can never pay the higher XXXX  % XXXX transactions either through the bank app on apple app store or the going to the near by bank itself which is making customers like me force pay the either the whole amount on the credit card or making me pay force pay interest to bank in the increasing fashion although I am ready to pay off the card transactions & interest that has higher XXXX  % XXXX. This is like forcing me to quit many things in real life early like pay towards my rent or utilities and making life 's of customers like me a living XXXX forcefully. They are by default applying the payments towards XXXX  % APR loan than applying it smartly over the higher XXXX payments or applying the payments with out taking my consent towards where it should go. 

This actually is financially impacting me as it's making me miss a earnest money and down payment towards purchasing a potential home for myself. It ruined my life in a way simply to say.

Here the financial organization is JP Morgan chase bank and most likely other banks in XXXX are also following the same process.
Product: Debt collection

XXXX representatives from focus financial called me several times, very rude and threatened to take legal action if I do n't pay
Product: Credit reporting or other personal consumer reports

XXXX XXXXExperian credit reporting company refused to make very pessary adjustments showing on my credit report This account is REPORTING DEROGATORY ACCOUNT WHICH HAS AFFECTED MY CREDIT SOC RATEIN I CONTACTED CREDIT BUEAUS. Which has file on Going disputes XXXX xtimes who refused to make. Chances. RATES seen on my credit report XXXX NAME CREATED XXXX XXXX WHICH provide me XXXX a letter sending me a DIFFERENT lWhich shows NO LATE PAYMENTS how is being reported Delinquency on my credit report .Which ACCOUNT is. paid in full... also on time This account doesn't need DISPUTE. This account needs to make change on the Scores and the XXXX. 
For my personal records. due to this account wasn't never late account payments paid on time. And again. Credit Bureaus. REPORTS MAKES DECISIONS OF HOW these accounts are Graded not the companies
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Product: Credit card

I had a XXXX card through Barclay bank 2 years ago. There was a fraud after the second time of use. I did not use until XXXX or XXXX 2015. Immediately, someone was using the card on XXXX XXXX. I got a phone call and email to remind me that was a possible fraud in XXXX, the amount is about {$110.00} for gasoline and pizza, while I was at home in XXXX. I called to confirm the fraud and asked to cancel the card. However, it was nightmare that the payment due reminder kept sending to me. I called more than 5 times to tell the bank that was fraud and the card was cancelled. It continued to email to me for more than 6 months. I also received tons of magazines but the name was not my name. I am not sure if they are related. 
Now, I received a Letter from XXXX XXXX XXXX XXXX XXXX says that the card debt is {$440.00} and the account is listed as delinquent. Very scary and annoying. Please advise what I have to do. Thanks.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29.

Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX and Experian consistently responds within XXXX hours stating that the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with Experian. I sent them written proof that the following creditors did not report " dispute in progress '' on my credit report during the time of dispute. The creditors were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I sent them certified letters multiple times with the before and after credit reports. I also sent written proof about XXXX XXXX having a non deliverable address which is a violation of the FCRA. None of these above mentioned accounts have reported accurate information. Experian notified me that they would not investigate further and provided no written documentation. Because of that all of these inaccurate accounts should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Vehicle loan or lease

I was giving an opportunity of extension of payment on my car payment account and after paying the fee I was sent an email to confirm the program, I never received the email because they sent it to the wrong email which was their fault so 32 day went by and it was reported but I said the fee before the lateness and I lost XXXX points on my report I called to explain my situation they released it was their fault and they told me it would take 30-45 days to fix this problem. and I don't think it will happen. aim in the process of buying my first home
Product: Checking or savings account

On XX/XX/2021 I attempted to use my ATM card associated with my savings account at a casino. The transaction was declined. When I got a customer service rep on the phone at Chase, I was told there was a " fraud hold '' on my profile and no one was available in that department to assist. I then went to a local branch and was allowed to withdraw {$300.00} from my checking account. I attempted to call the fraud department the next day.i was on hold for XXXX hours and no one picked up the line. I checked my account activity the next day. My transactions included a {$260.00} non Chase ATM withdrawal. I suspect this is the casino withdrawal I attempted but was denied. So did the ATM state I received money when in actuality I did not? I tried calling again, to dispute the transaction and to see if this has to do with the fraud hold. Again, I was on hold for XXXX hours and no one assisted me. 
I can not file a claim for this transaction. Every CSR I speak with states only a specific department can assist, since it's a fraud hold. But no one answers the phone when I call the department. How are customers supposed to reconcile these issues when there is absolutely no assistance? Why does Chase hold money XXXX but refuse the right to speak with someone about these issues? I want to file a claim regarding the {$260.00} withdrawal and I want the fraud hold gone.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/2024 I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.
Product: Vehicle loan or lease

Requested FEMA Disaster Relief to be applied to payments ( XXXX XXXX ) due to back to back disasters and a request to lower payments to {$800.00} due to financial hardship once payments resume. Company has engaged in delayed tactics, unethical practices of requesting evidence of disaster and then providing inaccurate information ( such as manager providing wrong email to submit said evidence ) and then ignoring follow up request while placing account in a repossession status unfairly. Member service representative confirmed email was received and despite not getting a response from their time frame of two business days ( it's been a week ) they refuse to provide any information on who is handling and they continue to add late payment fees onto the account and kept in repossession status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX equifax is reporting wrong & misinformed information on my credit report, wrong payment times, is not consistent across all XXXX bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im disputing the both XXXX ACCOUNTS
Product: Checking or savings account

Received a debit card from M and T bank in my name and address. I did not open this account, nor have any knowledge of the account. There is no bank in my area. The account and associated debit card are fraudulent.
Product: Mortgage

I received a phone call from Huntington bank threatening that they would send me to collections if I didn't pay my mortgage. I was waiting for my next pay period to pay the mortgage and was still within the grace period. I have never been late with a loan payment ever and it wasn't late and yet I got a threatening phone call. I've never been called by a bank ever let alone to get yelled at for a payment that was not late.
Product: Checking or savings account

Back in 2022, I had provided my sister a power of attorney form as I was XXXX  she had picked up a check from a fire department that I had worked for, my attorney brought it to me and I signed it, along with letters giving my sister authorization to cash the check for me. Her bank accepts it at first, then they close her account for fraud. For 2 years now, we have been fighting with Chase bank to give me my funds, they keep saying they needed to verify I am who I am, I was released and went to the said branch and provided my ID and social to verify I am the owner of the check, and they still continue to ask for more documents. However I provided them everything short of a DNA sample. One occasion we spoke with a super visor whom told us to go into the branch with my ID, and they will have the check deposited into my sisters account. Then when we get to the branch, the manager says they need more documents. However I am standing there with my ID, and theyre refusing to give me my $ XXXX funds.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the steps advised by the companies involved, I have directly contacted each of them and initiated the necessary procedures. Additionally, I have filed an identity theft report with the FTC. I am now formally disputing the information contained within these accounts and kindly request your assistance in resolving this matter. Thank you for your attention to this issue. 
XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/AIDVANTAGE Reported XXXX late payments in XXXX  for this Education ( Student Loan ) account but, per the Federal Government ( 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 ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, once through Aidvantage & twice through XXXX disputes. 

Incorrect payments reported as XXXX  days late XX/XX/2022 & XXXX  days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX  for their blatant violation of a cease and desist email previously issued to them. As a consumer, I have been subjected to unwarranted harassment and continued contact despite clear directives to cease all communication. This cease and desist was acknowledged on XXXX case # XXXX dated XX/XX/year> On XX/XX/year>, I sent a cease and desist letter to XXXX XXXX XXXX XXXX XXXX XXXX, formally requesting that they cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the agency has persistently disregarded my request and continued their attempts to contact me through various means. 

Their actions not only violate the FDCPA but also pose a significant intrusion on my privacy and peace of mind. Despite my repeated attempts to resolve this matter amicably, COLUMBIA DEBT RECOVERY LLC DBA GENESIS has shown a blatant disregard for consumer rights and legal obligations. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate action against [ XXXX XXXX XXXX XXXX XXXX XXXX  for their violation of the cease and desist letter. I also request that the agency be held accountable for any damages incurred as a result of their unlawful actions. 

Below is their company response statement on my XXXX case # XXXX dated XX/XX/year> XXXX 's XXXX : We do not buy debt, we are working on behalf of our client XXXX. XXXX previously provide allowed for the use of collection to recover past due balances and for us to use your information for such purposes. Contact info already marked to cease and desist outbound communication but where required by law. 

Enclosed with this letter is a cut copy of the email correspondence regarding their continued harassment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appropriate action being taken against XXXX XXXX XXXX XXXX XXXX XXXX 

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

I need for you to send me the signed documents that has my signature that I had these accounts. And I need proof from these companies because you are violating me as a consumer. You as a Credit Bureau must show me proof from these companies that you said was verified and will remain on my account. If you can not furnish this information within 15 days you must remove all collections and closed accounts ASAP XXXX XXXX XXXX XXXX {$480.00} XXXX. XXXX {$300.00}
Product: Debt collection

Hello, My name is XXXX XXXX I opened and credit card at Nordstorm XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX Nevada XXXX XXXX XXXX Nordstoms on the following date of XXXX XXXX I then recievied at state form stating that the Nordtroms credit card had and addtional duplication of the credit card out I was asked to bring my credit card so the credit card can be closed due to there mistake the credit card was closed on the following date of XXXX XXXX the recovery unit for Nordstroms is XXXX after the credit card was close my personal information was sold to and debt collection agency the name of XXXX XXXX   debt collection the address is XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX