23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX & XXXX Original creditor : XXXX  - Account number - XXXX _____________________________ INQUIRIES _____________________________ XXXX XXXX Inquiry : XXXX XXXX, 2022 + Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX  XXXX  Inquiry : XXXX XXXX, 2022 + Credit Union XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 + Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 + Automotive XXXX XXXX ) XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, 2022 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Product: Payday loan, title loan, or personal loan

I couldnt pay the loan off due to the other party wasnt paying the loan. The other party agreed to make payments and didnt because of work related issues.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying through Experian and XXXX to have the delinquent status of the XXXX  removed from my credit report. I filed a dispute with Experian and supplied documentation from XXXX  of the payment accurately made and that XXXX had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information Experian has and investigation of the dispute not handled and below is the email received on the Experian dispute Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from XXXX acknowledging ( which has been supplied directly to Experian )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account which is reporting inaccurately to two of my credit bureaus, per the FCRA they have to report accurate information. Please delete these from my credit bureaus due to inaccurate reporting.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 60 days of opening your account. 

2. On XX/XX/XXXX, I met all requirements of the Offer. The bonus did not post. 

3. On XX/XX/XXXX, I contacted customer service for assistance via secure message ( Exhibit B ) and was advised by XXXX XXXX XXXX Specialist XXXX on XX/XX/XXXX that the bonus will be credited to the new personal checking account no later than 125 days from the account opening. 

4. Today is exactly 125 days from the account opening and the bonus has been credited. 

5. Please pay the advertised bonus of {$300.00}. 

6. Else this matter will proceed to trial. 



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

My address on my credit report is wrong. I was told by an Experian representative that I can not dispute personal information such as my address. I have talked to 2 people at Experian by phone. I first contacted XXXX or about XXXX. 

XXXX reference # for XXXX XXXX XXXX XXXX XXXX On my credit report it says I can file a dispute at www.experian.comXXXX but when I fill out the information and submit it says it ca n't honor the request to submit a dispute online. They actually said i can not dispute incorrect personal information such as an address I never lived at.
Product: Credit reporting or other personal consumer reports

I was a victim of your data breech and have been trying to remove incorrect and unvalidated information from my report to no avail. I have spoken to several attorneys who advised me to file a suit for the data breech and incorrect info but I dont wish to do that and just want my credit report corrected. I have resubmitted disputes and please address and remove this incorrect and negative information as it is stopping me from buying a house for my family. 

Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute the outdated and incorrect personal information listed on my credit report. The following items are no longer accurate and should be removed : Addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Upon reviewing my credit report, I noticed that the addresses mentioned above are outdated These entries are inaccurate and could lead to confusion or potential misreporting in the future. I have taken steps to update my information with all relevant creditors and financial institutions. For accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) .Pursuant to Section 605 ( 15 U.S.C. 1681c ) of the Fair Credit Reporting Act ( FCRA ), any obsolete information, including outdated addresses that are no longer relevant to my current credit report, should not be reported. The inclusion of this outdated address is in violation of this provision, as it is no longer accurate or applicable. 
Additionally, under Section 611 ( 15 U.S.C. 1681i ) of the FCRA, I am exercising my right to dispute this inaccurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with this platform my financial institution and Zelle failed to investigate my claims they informed me that recovering loss funds is impossible this shows how Zelle neglected customers and customers lost trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
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 # XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

Regions fraudulently accessed several XXXX fees on my checking as a result of a debit transaction that come through on Wednesday XX/XX/21 at approximately XXXX. It put my account in the negative {$12.00} on the same day I transferred XXXX bucks to put my account back in the black. I had XXXX XXXXavailable. After making the transfer I screenshot my account online as proof that I had indeed transferred enough. The following day Regions charges me XXXX dollars. I called and spoke to a Supervisor named XXXX who says I didnt transfer enough and he didnt know why Regions mobile app didnt show the correct amount. I told them they were participating in illegal resequencing and that I was filing a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of ED/XXXX is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XXXX and " will remain in that status pending further direction.. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the companies listed below ran my credit without my permission or signature through Transunion. Im a victim of identity fraud. Below is the list and dates these institutions ran my credit : XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX TXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report since I suspect identity theft. I lived shortly in the XXXX in XXXX then moved to XXXX XXXX. I came back to the XXXX in XX/XX/XXXX and was horrified to find so many accounts on my credit which I had never applied to. The items in question are : XXXX  XXXX XXXX XXXX {$5800.00} XXXX XXXX- XXXX {$32000.00} XXXX XXXX- XXXX {$6900.00}
Product: Payday loan, title loan, or personal loan

Loan for  XXXX  made on  XXXX / XXXX /  XXXX  , Im strangling making payments for this loan due to health problems. I contact the company but there said that is nothing they can do, so I call a not-profit organization and they mention that in California is illegal that the charge so much in interested 737.7301 % and that his company is been sue for this sent reason, I was recommended to do a complaint. I can keep paying and I need help.
Product: Debt collection

Santander Consumer aggressively called my phone during the time of my loan at different times of the morning continuing throughout the day as late as XXXX XXXX. I spoke with them inregards to the repeated phone calls, even after I spoke with a representative. Santander also created fee and over charged me for the vehicle with the APR standing at 25 %, which forced me to do a voluntary repossession. They have sold the vehicle and still are charging me for these fees. They have been sued by other customers with the same complaint in the XXXX XXXX XXXX vs Santander Consumer as well as XXXX XXXX vs Santander Consumer.
Product: Debt collection

I have been shopping for a refi on mortgage and found out that I had a collection on my credit report of XXXX. It indicates GC Services ( XXXX XXXX ) as the collection agency. I called XXXX on XXXX XXXX XXXX, paid the balances owed. I informed XXXX that it states GC Services on my credit report and I need that to be deleted. I informed XXXX that I have never been contacted by GC Services by phone nor mail. I did not know who this company was. XXXX stated that it would take 48 hours to delete the account from my credit report. I waited and nothing happened. I since sent a validation letter to GC Services asking for validation. I also made them aware that no one from their company had ever discussed or contacted me about their collection and I would like this to be removed from my credit report. It has created negative reporting and has / is affecting my score tremendously. On XXXX XXXX, I called GC Services and was told this was an attempt to collect a debt and it will not be removed from my credit report because they do not delete anything from your credit report. I believe that that my rights have been violated, as I never had any type of agreement with GC Services not written, verbal etc..GC Services should not be allowed to report any information on me. We have never had any type of contract between us. Also XXXX falsified information to me as they informed me that the credit report would be corrected with 48 hours of payment.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I purchased an upgraded card from cashapp that cost {$50.00} and after I received it, it never worked in any transactions i made. I asked to speak with customer service and I did not receive any help, I also looked up on XXXX that you can not be refunded for those transactions within the app. I then had to buy another card to be able to use and I still havent heard anything back from cashapp. I also have had many reoccurring mystery transactions in the app and I know for a fact how many subscriptions I have but they never tell me where it came from and I dont see any way to dispute the charges.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

My Coinbase account has been restricted and I can not neither solve the issue, nor get in contact with Coinbase support
Product: Credit card or prepaid card

hello, when Microsoft makes an offer, that says Free trial, you can cancel any time. I give them my credit card, which was blocked because it's very hard to cancel, they keep on charging that blocked credit card, and one day they put the charge on my open card without my permission when I complain about this and the credit card co. closed that card and issue a new one, one day they charged again my new card, I show the credit card co. the cancellation notice from Microsoft, and they still charge my card and close the complaint. 
please help me, XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX