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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states s 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 and crimes which antedates the report by 7 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
Product: Money transfer, virtual currency, or money service

I have four Chase accounts ( XXXX XXXX and XXXX checking ) which I have had for years. Yesterday as provided and recommended on the Chase website, I attempted to pay money to a very close friend ( who is a licensed therapist in CA for years ) a sum of {$200.00} through XXXX. 

XXXX times the payment was rejected for suspicious activity AND All of my Chase accounts were frozen. I called two times to Chase support and they statted they had " unblocked '' the accounts. The accounts remained blocked however. I also explained that my recipient was a close friend of many years ( we attended graduate school together ). 

Finally, a rthird call resulted in unblocking the accounts. I told Chase they definitely advertize XXXX transactions, but paradoxically put up barriers to complete the transactions. This is almost false advertizing and a burden on myself who had much business to transact on my Chase accounts, but could not as there were frozen for hours. 

Additionally, the first two Chase phone reps had strong accents and talked very rapidly, making it hard to understand their input. 

Algorithms are useful for scams and fraud, but Chase seems to employ highly restrictive and burdensome barriers such to honest banking members ( of years ) such as myself. 

I want consumers to be protected and relieved of such burdens, especially from a bank that I would assume has very high profits. I want whatever precipitated this fiasco to be re-evaluated by Chase and amended to prevent such situations. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and Experian, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. Experian has a XXXX XXXX collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/2019 and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/2019. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.
Product: Debt collection

Jefferson Capital Systems re-opened my account after it was charged off. There is now a missed payment showing up on my credit report ( false/ misleading ).
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear Regional Acceptance Corporation , I hope this letter finds you well. I am writing to formally dispute the 30-day late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXX Number : XXXX Paid in Full / Account Closed 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 XXXXXX/XX/XXXX I am requesting that Regional Acceptance Corporation remove this negative mark from my credit report for the following reasons : 1. Good Payment History : I have been a loyal and responsible customer of Regional Acceptance Corporation, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior.

2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an active duty member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again.

3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information.

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Completed XX/XX/year> Dispute Missed Payments I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Completed XX/XX/year> I Previously Disputed This I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account or delete the negative information in this account. 
Completed XX/XX/year> Victim of Identity Theft I am a victim of identity theft, and I never opened this account. 
Created XX/XX/year> Status Verification Request I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.
Product: Credit card

1. I left the U.S. and moved to work at XXXX in XXXX since XXXX XXXX. Therefore, I cancelled my Macy 's credit card. 
2. In XXXX XXXX, I received an email with my Macy 's credit card statement so I called the customer service immediately and told them that I already left the U.S. and could not receive any mails from them and I already cancelled this credit card. Their customer staff ( a girl with an XXXX accent ) told me that I still had XXXX unpaid payment with US {$44.00}, which was overdue at that time. I told her that I always paid before the due date ( my credit score was " XXXX '' as of XXXX XXXX, XXXX ) and this must happen during my travel so I asked her if she could ask her supervisor for one-time exemption of the past due fine. She put me on hold about 10 minutes and she said it 's been resolved and I only had to pay the remaining amount of {$44.00}, which I spent for my last purchase online in XXXX. 
3. After I received the confirmation from Macy 's customer service staff on XXXX XXXX, XXXX, I paid {$44.00} right away on the same day from my XXXX account ( banking record proof ). 
4. I thought my due payment was all cleared. However, in XXXX XXXX, I noticed that Macy 's still kept sending me bills by email. That 's very ridiculous! Therefore, I tried to email them at XXXXXXXXXXXX to reflect this issue. I emailed Macy 's at least three times and also left my official complaints online but had never received any email responses from Macy 's credit card center! 
5. I called their customer service number at XXXX more than 5 times and they told me it 's been taken care of and they assured me that I would not receive any bill from them. 
6. On XXXX, my last phone communication with Macy 's. I demanded to talk to the customer service manager of Macy 's because this situation was getting worse. I actually recorded our conversation as proof when the manager assured me that my Macy 's account balance would become zero in the following month statement ( i.e., XXXX, XXXX ). 
7. Recently I 've been notified that my credit score dropped from XXXX to XXXX because Macy 's reported a delinquent account with a total of {$270.00} past due payment. This is outrageous!!! I certainly do not owe Macy 's any penny!!!
Product: Debt collection

Sunrise Credit Services has falsely flagged an amount due of {$1800.00} on my credit reports on behalf of XXXX XXXX XXXX XXXX. 
The same scam was attempted earlier this year by another credit agency on behalf of XXXX XXXX XXXX too. That was dismissed. 
I called Sunrise and they were not able to provide any detail about the fictitious charge nor did they have appropriate contact details. 
The scams by XXXX XXXX XXXX XXXX and other XXXX XXXX XXXX entities should be addressed by CFPB as they are extremely upsetting and time consuming to deal with. Of course there is also the interim hit to credit ratings while one works to clear up the false charges. 
Please also know that I do not currently have any XXXX XXXX XXXX products/services nor have I had any for the past two decades. Furthermore, I will never again even consider XXXX XXXX XXXX given this on-going harassment.
Product: Checking or savings account

I am a beneficiary of a bank account from my my mothers estate account. I was trying to add a debit card to transfer money to my brother because I have the debit card. He put the account in his name because he lives in New Jersey and I live in Texas I wasnt there when he open the account so he just sent me the debit card so I would have access and he doesnt have a card.. 
I wasnt able to transfer the funds without adding, the bank account number and routing number and it needed to be in my name. I called the bank to get this information because it says suspicious activity when I was adding the card and wouldnt let me transfer the funds so I called to verify everything they told me I needed to have my name on the account to add the card and account information so I deleted the card and that was that nothing was transferred I later found out a week later that they locked my account and closed it due to this and asked me to send a verification of any transfers going into my account. I sent my cash app information and my Square account information showing that its my account and my last three months of transactions, I couldnt provide information on that card that I was trying to add because it wasnt my account but later I eventually sent papers because they were still saying they did. I didnt send all my information to add on. There was only email that I can explain any information to them so it was very hard to explain the situation if I couldnt speak to anyone either way, I finally ended up sending information showing that account information on the account and if information showing that Im beneficiary, although my name is not on that account, my name is beneficiary of the estate along with my brother nothing was suspicious again they kept saying that I transferred money that I didnt prove from an account that I have no idea of because only account money was transferred from was my own and I proved that and those transfers By me, not being able to speak to anyone, I never got this issue resolved, and I never found out what information they were seeking because I could not speak to anyone directly .. all of my bills are not paid for this month including my car on my credit cards insurance, etc. everything is locked in that account and they closed it and said that Im not able to get my money back.
Product: Checking or savings account

i got a notice from TD Bank that they are closing our account without giving us any reason i contacted TD Bank customer service, the fraud department and visited the branch and no one can give me a reason why they closing the account and if there is away to fix the issue if there any
Product: Money transfer, virtual currency, or money service

I used Coinbase on XX/XX/XXXX to buy bitcoin from my XXXX account. I thought this would be available. After contacting Coinbase about this, they told me I owe them {$2600.00} from my old account. My bank account was hacked and used on coinbase and they are trying to tell me I have to pay this to them. Now I {$1000.00} locked in Coinbase that they will not release to me. I never even received notification of these debts they claim I owe. They just let me use their service and then hold my money hostage. I do owe them any money. I would like them to return my money that I used through XXXX on their website.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is a very old alleged debt. Navient consistently call, text, emai and leave messages. During the pandemic when loans were supposed to be suspended, Navient has harassed me and did not cease from damaging my credit reports by not affording the protections encoded by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry Brclysbank de ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX XXXX took out XXXX Without authorization I called cash app right away when I seen pending transaction they said I had to wait until it posted on my account but try to call the company 1st I did call the lady said it would be back in there in 7 days well guess what When I talked to cash app they told me to wait near everything we went ahead and canceled that old card out and got a new one going back but they denied my 1st refund cash app dead for {$55.00} XXXX keep fighting fighting fighting I didn't authorize it and I should have got my money back from cash app since the company lied to me and then after looking them up it says they're a scam So I need your guys 's help to get that {$55.00} back in my account
Product: Credit reporting or other personal consumer reports

I recently pulled my experian credit report and saw that EXPERIAN reported on my credit report that I had one late payment in XX/XX/2021. 

In accordance with the Fair Credit Reporting Act, EXPERIAN has violated my rights. 

Under 15USC1681 SECTION 602 states that I have the right to PRIVACY.

Also, under 15 USC 1681 SECTION 604a SECTION 2 states that a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS.

I NEVER gave EXPERIAN or ANY CREDIT BUREAU written instruction to furnish any information on my consumer report, which is a violation of 15USC1681b.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland Credit Management is a scam company that tries to collect debt that is way past the statute of limitations. I owe them nothing, I owe the company they bought the debt from nothing, and they state as much in their postal correspondence to me. They actually write on there " This debt is past the statute, we will not sue you, paying this debt won't go on your credit report '' NONE of this is on my credit report anyway, but even if it were, I'm not paying these guys on a ten year old debt. 

They somehow got my phone number, I'd really like to know how, and call me every morning. I answer and they hang up. If I don't answer they don't leave a message. I called them back on a different number and told them not to call me number. They agreed, on XX/XX/XXXX that they would add my number to the " don't call '' list. Today, XX/XX/XXXX, they called again, and hung up when I answered. So I called them back and AGAIN told them not to call me. They wanted the last four of my social for " verification '' AFTER they already told me what my name was. I said " no, I'm not giving you anything, stop calling me, stop calling my number. '' These guys are criminals, they are everything that's wrong with collection practices, and this constitutes harassment.
Product: Money transfer, virtual currency, or money service

An account was made with crypto currency with my private info I did not authorize this and I contacted crypto support to get the account closed no one has gotten back to me I sent them everything they needed to do as I asked and the XXXX representatives have allowed days to go by without getting back to me on the account closure Crypto.com Crypto app