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

XXXX XXXX XXXX was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX  XXXX XXXX XXXX XXXX for them to release my medical information to a third party.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XXXX .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Checking or savings account

I made a purchase with XXXX and I never received the login information for the real estate sales course. The purchase was made on XX/XX/2022 in the amount of {$140.00}. XXXX never gave me the real state sales course on how to close real estate property by talking to real estate property owners. They never replied to my emails when I requested the information that I paid for. They just took my hard earned money and never gave me login information to access the real estate sales course that I paid for online at the website XXXX. Please refund the {$140.00} I paid for on XX/XX/2022 because I never received the real estate sales course. Attached to this e message is all the information I received when I made the purchase. Please have integrity and make this right by refunding me the money {$140.00} on XX/XX/2022. Thank you! 

In the above paragraph is what I wrote to the bank Navy Federal Credit Union. NFCU let XXXX keep the {$140.00} even though I provided documentation in the dispute showing proof and XXXX  never answered to NFCU during the dispute investigation. The bank just never refunded my money and they just let the merchant keep my money that I paid even though I never received services for what I paid for.
Product: Debt collection

Caine and Weiner has reported an open balance of {$1400.00} without prior contact or knowledge. I reached out to the agency and they would not provide me any information concerning the account. But continued to state that I must pay or they will take legal action. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid information and is preventing me from being extended credit. This has violated my rights 15 U.S.C 1681 section 602 A. The FCRA allows 30 days for this to be rectified, please remove this account from my consumer report and please provide me with a free updated copy of my report.
Product: Money transfer, virtual currency, or money service

A friend contacted me by XXXX and then by XXXX she said she needed some money to pay some stuff I believed her because we were really close at school she told me to sent the money by XXXX to this person and I did it just like she said, then she asked me for more and more again until I gave her all my savings she said she was gon na give it back but then the time passed and I had bills to pay I ended up giving her XXXX dollars and when I needed the money back I tried to call the number and no one ever replied then I contacted her sister who told me that my friends account was hacked and the person that asked me for money wasn't my friend. 
I talked to the bank but they weren't able to get my money back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering me. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : 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
Product: Vehicle loan or lease

Unknown to me at the time Credit Acceptance Corporation XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX  issued me a high interest vehicle loan that has extra charges and fees attached to it and seems to have locked me into a horrible circumstance. When I had a financial hardship I was not given a fair restructuring of payments and during the height of XXXX, though advertised, I was denied a pause on payments or a stop on credit reporting during time of past due balance. I am now in repossession status.
Product: Credit reporting or other personal consumer reports

Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.
Product: Debt collection

I file a complaint earlier against this company and they responded that I have file five compliants againt their company about this collection. I was unaware that their was a medical collection on my credit report until I applied for a car loan and was told that a medical collection was place on my credit report, that was XX/XX/2018. I was never notify by the hospital or a collection agency that I have a medical collection. I learned about this collection from the creditor whom I applied for a car loan. That when I disputed this collection not five times that the collection agency is claiming which is false. I receive a recent collection notice from them for first time about this debt. l am submitting a copy of the collection letter that was sent along with the hospital payment history.
Product: Debt collection

On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically.
Product: Credit reporting or other personal consumer reports

On XXXX, I notice that I was impacted by the Equifax Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : 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 am Writing to you to express my deep concerns over the fraudulent account on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need the fraudulent account to be remove within four days of receipt. 
Name and Account # XXXX. XXXX XXXX XXXX..
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized or misleading items, linked to my profile. These are not affiliated with me, and I never authorized them. XXXX XXXX XXXX **** Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed 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 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I requested to OPT OUT of any all authorizations I may have given to the company written, unwritten, verbal, non-verbal per 15 USC 6802. The company did not disclose to me that I had an option to OPT OUT. My request has been ignored. This is a violation of The Privacy Act of 1974.
Product: Money transfer, virtual currency, or money service

I had made a purchase online for a XXXX XXXX. the seller said to transfer the money through XXXX, I then send {$65.00} on XX/XX/2018. after the seller had told me that she had not received the funds and to send it again to another number, I told her I couldn't because on my side the money had been taken out. I then called Bank of America about my bank account and they confirm the funds had been taken out. after I was going back on checking the sellers page it was gone ... the next day the seller message me again that she had not received the funds. I then did not feel right and called Bank of America to file a fraud claim. they gave me the run around and said " we'll try to see what we can do and it'll take 10-45 business days '' after I asked " what do you mean " try '' '' the customer service rep. said. " if you initiated the transfer there isn't anything we can do '' which just made me feel unsafe with my own bank which I have been banking with over 10 years.The representative sure did not seemed surprised or like she would do anything else to help me resolve my fraud claim, I can not wait 10-45 business days for a response which by the sound of the rep looked like I wasn't going to be getting anything back. I have also tried to look through XXXX website and there is NOTHING about fraud ... or scams.
Product: Credit card

ON XX/XX/year> I RECIVED A CHECK FROM TITLE COMPANY AS A PART OF MY CLOSING PROCEEDS XXXX XXXXTHIS CHECK WAS FROM CHASE. I HAVE A CREDIT CARD WITH CHASE ACCOUNT. I DEPOSITED PROPERLY IN MY CREDIT CARD ACCOUNT. ON XX/XX/XXXX BANK RETUN THE CHECK WITH OUT CASHED. I WENT TO THE BANK AND REQUEST THE REASON. BANKER CALLED THE CREDIT CARD DEPARTMENT AND NO ONE HAS ABLE TO GIVE ANY EXPLANATION. I WASN'T ABLE TO REPLACE WITH ANOTHER CHECK BECAUSE THE CREDIT CARD SHOW BALANCE {$0.00}. As per banker XXXX i wait until XX/XX/year> to replace the check. I GOT ANOTHER CHECK FROM TITLE COMPANY AND DEPOSITED IN MY CREDIT CARD ACCOUNT. THIS CHECK CLEARED. BUT ON XX/XX/year> CHASE CLOSE MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I received a letter from the Bankruptcy Courts stating that they do not report the credit bureaus. All XXXX credit bureaus ( XXXX, XXXX, Experian and XXXX XXXX are reporting Bankruptcy on my report which is causing financial stability for me and my family. I demand any bankruptcy reporting be removed immediately from all XXXX major credit bureaus. I have attached the letter received from the Bankruptcy court. 

Best Regards
Product: Checking or savings account

{$820.00} was deposited to my account by XXXX XXXX XXXX and should have been available early on XX/XX/XXXX. It is now the actual deposit date of XX/XX/XXXX/25 and it is not there. I have tried to contact the company numerous times and have either not gotten through or the line went dead. I need this money to pay vital bills today
Product: Debt collection

These accounts are old and not authorize By in any manner, I was a victim of identity by my ex boyfriend..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I forwarded a letter Certified Mail to XXXX XXXX XXXX advising that Portfolio Recovery ( Debt Buyer ) reported a XXXX entry in the amount of {$8600.00} on my report as a RECENT Delinquency and placed for Collection on XX/XX/XXXX. 

I am aware of the ILLEGAL practice of False Credit Reporting otherwise called RE-AGING a debt to severely damage a consumers credit score. 

I have an older XXXX statement dated XX/XX/XXXX - showing this same account #, when it was XXXX XXXX - before XXXX purchased. Last payment made is showing XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, results state info updated, verified as accurate and updated In addition, Portfolio Recovery has illegally requested my credit report without my permission on XX/XX/XXXX, when they placed it into Collections XXXX XXXX XXXX on XX/XX/XXXX - sent a Collection letter regarding the XXXX account to MY MOTHERS address in FLORIDA!!!!!! How EMBARRASSING I have a copy of the letter. ( this was just prior to selling to Portfolio Recovery ) I am on the " OPT OUT '' list for Credit and Insurance. 

Portfolio Recovery from their XXXX XXXX NY telephone numbers continues to robo dial me several times a day and a week. 

XXXX XXXX, XXXX XXXX also known as XXXX XXXX , XXXX continues to Robo dial me from the telephone number XXXX and also has illegally requested my credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to severe inaccuracies in the reporting of this collection account by XXXX XXXX XXXX. Despite my numerous disputes over the past XXXX months, this account continues to be reported with conflicting and erroneous information across credit bureaus. 

Impossible Date of Account Opening : The account shows an impossible future opening date : Equifax : XX/XX/2024 XXXX : XX/XX/2024 XXXX : XX/XX/2024 Inconsistent Status : Equifax and XXXX list the account as Closed. 
XXXX reports the account as XXXX. 
XXXX XXXX : A balance of {$2400.00} is reported despite the status discrepancies. 
Dispute Status Conflicts : XXXX indicates the account has been deleted. 
XXXX continues to report it as negative with a dispute status. 
Lack of XXXX : Despite disputing this account multiple times, XXXX XXXX XXXX has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely. 

Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. XXXX XXXX XXXX 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.
Product: Money transfer, virtual currency, or money service

Scammers scammed money via provided the job opportunity and house purchasing for relocation. 

XX/XX/2020. I deposit a {$10000.00} check into the scammers ' bank account. 

Account name : XXXX XXXX Account Number : XXXX XXXX XXXX Routing Number : XXXX Swift Code : XXXX Address : Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

I get many phone calls from this " attorney '' and often a recorded message about debt collection for a XXXX XXXX ( or XXXX ). I don't know this person. This is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to send disputes or see the results of a previous dispute at all but the biggest problem is I am unable to dispute new items that are on my credit report. It tells me that I can't does not give me an option or it doesn't explain anything at..
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$1000.00} student loan account in collection/charge off that is reported to tranunion not XXXX  this inaccurate information is hurting my credit
Product: Mortgage

My husband and I had been strugglling with finances and made partial payments on our mortgage in the latter part of XXXX. We entered into a HAMP Program late XXXX XXXX early XXXX XXXX and had a temporary status while we paid less each month for three consecutive months which were XXXX XXXX XXXX. This was paid on time each month and them we would be approved. I paid them on time and then in XXXX when selling our house I found these payments were posted as late payments. When I spoke to Nationstar about that they informed me that was the trade off. Please help me get these removed from my credit. I had no idea gong into the HAMP program that this was the way it worked.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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: Checking or savings account

Wells Fargo closed my account and charged me in overdraft fees. Wells Fargo did not compensate me for loss and damages for the time of my account being closed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute and 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. I seek help and the ability to see CashApp ( Block , Inc ) prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to delete these items.
Product: Mortgage

On XXXX/XXXX/XXXX  reached out about a financial hardship did not get into much detail but income is much lower than before because my position could not be held but only so long due to no other options for XXXX  or time was exhausted so I called mortgage company Mr Cooper and was told I needed to have a job for options or no help could be provided so after I called and told I have a job but lower pay I was still told no options that I had 30 days to pay my mortgage, payments will continue to go up due to tax increase keep excepting late fees, account would have to go into delinquent status which would tarnish my credit score and even through the process its no guarantee, My situation is unforeseen I can not control that at some point of my life it will decline I have never experienced this a day in my life and to be in a position where the investors are trying to force you to foreclose and lose your home is a disaster, from Mr Copper I have heard no options but pay a high price as only option