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

When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX lawsuit.
Product: Credit reporting or other personal consumer reports

I have disputed this information with the original creditor and the consumer reporting agencies between XX/XX/XXXX and XX/XX/XXXX. Please see the attachment.
Product: Credit card

I signed up for a XXXX through TD Bank under promotional terms. The offer was a {$200.00} cash rewards bonus reflected on the account in 6-8 weeks after spending {$1500.00} in total net purchases within 90 days of account opening. I met the promotional spending terms by my XXXX XXXX statement ( well within 90 days of account opening ). By the terms of the offer, I should have received the cash rewards bonus no later than 8 weeks from XXXX XXXX, which would be XXXX XXXX. I have not received the bonus. I have sent ~XXXX secure emails and called ~XXXX times. TD Bank always has a different story. When I called in XXXX, I was told I would see the bonus on my XXXX statement. That did not happen. When I called today ( XXXX ), I was told the bonus would post 6-8 weeks after the first 90 days. However, this is not how the offer terms are written, and at this point the bank seems to be doing anything it can to avoid honoring the terms of the offer.
Product: Debt collection

Per usc 1681 you are in violation of my rights to privacy by no public personal information without my permission or consent. I demand immediate deletion of this data and formally Opt-out of any further reporting of such information.
Product: Credit reporting or other personal consumer reports

I have late payments from XXXX  XXXX XXXX and JP Morgan Chase Bank on my credit report. I have been on time for 99 % of my payments. The month that reports a late payment was due to an XXXX  payment issue with my bank and I was never notified about it. 

These creditors engaged in unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b, it is a billing error I did not receive a statement XXXX  days before the late payment error. If a finance charge was included there should be no late payments pursuant 15 USC 1605 ( a ), due to a finance charge bringing the sum of all charges current I can not be penalized for something that is already paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a dispute letter to all 3 Credit Bureaus in desired request to remove a Bankruptcy ( Public Record ) listed on my credit reports. In the letter document, I thoroughly described the issues, point of emphasis & reasons per the laws of the Fair Credit Reporting Act 623 ( a ) ( 5 ) : as to why I have requested prompt removal of the Bankruptcy. Reasons being that Bankruptcy Courts do not validate or verify Public Record entries onto my Credit Reports. Considering a violation of the FCRA & the fact that it has caused major hardship on my family by derailing my ability to be able to apply or acquire credit along to possibly purchase a home for my family it needs to be deleted off my report. XXXX  has removed the Public Record off my report. XXXX is currently pending. However Experian has taken every dispute I have submitted & just ignored my request by jist constantly updating my Credit Report with a " Verified '' status. I feel they have not taken any consideration to consider the reason for my dispute in the document that I submitted to them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account that is inaccurately reported on my credit report. 

Creditor : [ XXXX ] Account Number : [ XXXX ] This account was charged off but has since been paid in full as of [ XX/XX/year> ]. Despite this, it is still being reported incorrectly on my credit report as unpaid or with an outstanding balance. 

I have reached out to the creditor and the credit reporting agencies to resolve this, but the issue remains unresolved. I am requesting your assistance to have this account removed from my credit report or updated accurately to reflect its paid status. 

I have attached proof of payment and correspondence for your review. Thank you for your help in resolving this matter.
Product: Checking or savings account

XXXX I have two accounts with Santander bank and one I use to pay daily transactions XXXX, the other XXXX is where I have more money.The problem is that XXXX account reflects transfers that never reached the other account XXXX and this reflects exorbitant amounts for the level of monthly spending. the money disappeared almost daily transfers of XXXX, XXXX, XXXX impossible these expenses. I don't how this been going
Product: Checking or savings account

My last transaction was on the XXXX of XXXX. The same day my account was hit for several XXXX XX/XX/XXXXapproximately {$660.00}. I called the bank and they credited it back to me and told me my account will be restricted. While my account is being restricted I can not get to my money. I was told it would be investigated. Several times I have answered their questions and provided all the information they asked for. Including drivers license front and back, my address, my phone number and the last 4 of my social security number. I was told by several people several times that this would be expedited and my account would be reactive again. In the meantime who ever stole my banking information keeps hitting my card and has gotten into my account and changed my phone number, so now im not able to even see what is going on. I talk to a lady named XXXX from SOFI bank and she assured me this problem would be solved by the end of the day or possibly the next day. Those days she promised have come and gone and I still do not have access to my account.Before all this took place I had approximately {$820.00} and I can't get to it. I'm XXXX XXXX XXXX on social security and I'm XXXX. This ordeal has been a tragedy for me. I've called XXXX numerous times and they keep telling me the same thing over and over since the XXXX of XXXX today is XX/XX/XXXX. {$800.00} is a lot of money to someone on social security and XXXX. PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

XXXX  {$2500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

Robbery Description : Attached is Police Report # XXXX report detailing the theft of my purse and wallet from my car. My purse, phones and wallet were recovered by police officers, but my wallet contents had been emptied. This included my credit cards, debit card, and Texas Drivers License. As a result of the theft, my ID ( drivers license ), Debit card and credit cards were stollen and not recovered. Subsequently XXXX fraudulent transactions have been completed at Chase bank locations. 
Fraudulent Transaction Descriptions : XXXX. The first claim ( # XXXX ) is for {$1000.00} withdrawn from my savings account at the Chase Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX XXXX XXXX ( XXXX ) texted to my phone. I was on a flight at the time and received the text late. The attached Transaction summary shows the withdrawl happened at XXXX. 
XXXX. The second claim ( # XXXX ) is for {$2000.00} withdrawn from my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX, TX XXXX. This withdrawal was made at approximately XXXX PM on XX/XX/2023 according the XXXX texted to my phone. The attached transaction summary shows the withdrawal happened at XXXX. 
The accounts associated with these two transactions have been have frozen after each incident. 
I opened a new checking account on XX/XX/2023. 
The Police Report associated with these fraudulent claims is XXXX. 
XXXX. The XXXX claim ( # XXXX ) is for {$1800.00} and {$2000.00}. XXXX checks were written from XXXX XXXX to my name and were cashed in person with a forged signature. XXXX XXXX accounts were closed and the checks were returned resulting in cash being debited from my checking account. Cash from my newly opened checking account was given to an individual in possession of my ID. The dates of the checks are XX/XX/XXXX and XX/XX/XXXX. These transactions were performed on my new account. 
The police report associated with these fraudulent claims are XXXX, also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach disclosed on X/X/17 has resulted in the loss of my sensitive personal information as well as millions of other Americans. I am listed as a potential victim on their website, and was provided a date next week upon which I can return for free credit reporting that allegedly waives my right to sue. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Transunion has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

1. XXXX Inquiry XX/XX/XXXX 2.XXXX Inquiry XX/XX/XXXX 3.XXXX XXXX Inquiry XX/XX/XXXX 4. XXXX XXXX Inquiry XX/XX/XXXX 5. XXXX XXXX Inquiry XX/XX/XXXX 6. XXXX XXXX Inquiry XX/XX/XXXX 7. XXXX XXXX Inquiry XX/XX/XXXX 8. XXXX Inquiry - XX/XX/XXXX 9. XXXX XXXX Inquiry XX/XX/XXXX
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 ( Accounts names XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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

I authorize Carvana and associates to respond to this complaint in its entirety I XXXX XXXX am a consumer under federal law no third party is involved when creating this complaint. 
I applied to Carvana with the intent to initiate a consumer transaction. After I reserved one car your company told me I could not afford the first and needed to select another I than chose another vehicle while my employer is giving me a grace period to return to work time goes by and the vehicle chosen was still not available a month later, I ask your customer service reps will I still be approved for the vehicle or if I should choose a new vehicle. They stated I would be fine. I chose a new vehicle and now I am unable to get the vehicle or able to return to work because my job requires a vehicle. We sort the matter out and moved on to verification I verified who I was with multiple documents they told me the documents could not be used because they stated Street ( St. ) instead of Avenue ( Ave. ) which the us postal systems manage that information and says it is ok as long as the zip code is a match. After I sent in all documents I called the staff so they could allow me to know if the documents were eligible for approval the guy stated yes and he approved them. Told me congratulations we will send you a congratulations email and or text letting you know your vehicle will be arriving XX/XX/XXXX. I even started an insurance policy on the XXXX XXXX XXXX with XXXX XXXX because I was given the ok that this vehicle would be mine. I then receive a cancelation email from XXXX stating they will no longer approve my consumer transaction even when I already paid for the vehicle with my signature on the promissory note or contract which under 18 U.S. Code 8 - Obligation or other security of the United States defined https : XXXX Also this was deceptive and unfair practices 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.https : XXXX2 UCC 3-402. SIGNATURE BY REPRESENTATIVE. https : XXXX # XXXX If the represented person is bound, the signature of the representative is the " authorized signature of the represented person '' and the represented person is liable on the instrument, whether or not identified in the instrument. 

I have more violations with supporting exhibits that will be used in the Affidavit Of Truth and intent letter if this matter can not be resolved.
Product: Money transfer, virtual currency, or money service

I transferred money into my swan bitcoin account but it was never used for Swan 's services ( purchase bitcoin ). I've decided I no not want to purchase bitcoin so I asked for my money back and was told that they can't. I don't believe the terms and conditions say a money transfer is irreversible. I asked that they mail me a check if an ACH transfer isn't possible and they declined.
Product: Credit reporting or other personal consumer reports

My acconts have been removed from my Equifax report. XXXXXXXX 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. PLEASE ADD THESE ACCOUNTS BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes for this same issue. It was resolved temporally but now the same issue is reoccurring. My Child Support payments are automatically deducted from each paycheck and yet it keeps getting reported as a missed or late payment. I have the print out from DOJ 's Child Support payment schedule showing my payments are current as of last week. Why my credit score is dropping and reflects another missed payment that is false. Equifax resolved this twice already and posted my payments as 100 % on time. now its falling back 2 months in a row to 93 %. this is inaccurate and a reoccurring issue.
Product: Credit card or prepaid card

The whole process of getting a credit card after filing ch. XXXX bankruptcy is baloney. I could get a car but not a credit card? That's XXXX. THINK ABOUT IT -- since filing the ch. XXXX bankruptcy I have been inundated with junk mail to get me to buy a car with NO CREDIT baloney. A CAR?? Gas money? Repair money? But NO CREDIT CARD to help pay for those things? It is XXXX. Legal Aid provided a free clinic about filing ch.XXXX  bankruptcy and told attendees to expect all the offers after filing for bankruptcy -- including credit card offers with crushing finance rates. HOW is a person in a financial hole supposed to get out of it if the person is then BURIED in more XXXX like that? And I noticed a bunch of shady types at the meeting of trustees -- ready to pounce on people who had filed for bankruptcy. And the meeting was at a hotel by XXXX car dealerships. THAT was XXXX. This whole bankruptcy thing is a scam for lawyers and car dealers.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2019 with a balance of {$4600.00}.
Product: Debt collection

CHRYSLER CAPITAL FAILED TO Affirmation to Notary of Failure to Produce Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation made to Name of Financial Institution : CHRYSLER CAPITAL AND XXXX XXXX XXXX Specifically the Law includes the National Bank Act also known as the National Currency Act, The Consumer Credit Protection Act, The Fair Debt Collections Practices Act, The Fair Credit Reporting Act, the Truth in Lending Act and any and all laws applicable to Financial Institutions federal, state, or contractual ( commercial ) laws.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

THIS COMPANY ILLEGALLY TOOK WAGE GARNISHMENTS FROM ME. I WAS GIVEN A CREDIT CARD WORTH 10,000DOLLARS AND I ONLY USED 2000DOLLARS. HOWEVER THIS COLLECTION AGENCY SUED ME FOR THE VALUE OF THE CARD AND A ADDITIONAL XXXXDOLLARS A TOTAL OF XXXXDOLLARS. I NEED YOUR HELP BECAUSE THEY LIED ABOUT THE DEBT. I NEVER USED THAT MUCH MONEY AND WHEN I TRIED TO TELL THEM THAT THEY DID NOT CARE I AM MAILING YOU ALL OF THE PROOF AND ALL OF THE LETTERS I WROTE TO FIND HELP NOBODY HELPED ME AND I AM POOR. I COULD BARLEY FEED MY FAMILY AND THEY HAVE RUINED MY CREDIT AND HAVE CAUSE ME SUCH GREAT XXXX OVER THE YEARS. I AM TIRED OF THESE PEOPLE STEALING MY LITTLE BIT OF MONEY PLEASE HELP THANK YOU SO MUCH
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate 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 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.