23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have an American Express gift card that is declined everywhere I have tried to use it. The company claims that it is accepted wherever American Express cards are accepted but in my experience that is not true.
Product: Vehicle loan or lease

The company went out of business and sent my information to a debt collector who have came and repossessed my car.
Product: Credit reporting

XXXX account on my EQUIFAX credit report should have. Been removed it 's been seven years now since I returned the vehicle back to XXXX I returned the vehicle back into XXXX on XXXX 2009 and XXXX is saying I returned the vehicle back in XXXX 2009 if I returned the vehicle back in XXXX 2009 that means I would be XXXX months delinquent so my first delinquency would be in XXXX of 2009 and if I was XXXX months behind on a car lease XXXX would have came and repossessed the car but they did n't or my payment history would show when my last payment to XXXX was made be it do n't because XXXX is not showing any Payments made of my credit report or any payment history on my credit so they are reporting inaccurate information to EQUIFAX on my credit report and this should be deleted because it 's been seven years now since I returned the car back into XXXX or it would be seven years from my first delinquency
Product: Credit reporting or other personal consumer reports

I have Inquires that I did Not authorize. I have no accounts with none of theses companies. I did not apply for credit with none of theses inquires. Please help me remove from my credit report. I tried on my own with no success. Thank you in advance Experin Inquires 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 EXPERIAN 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 inquires 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 XXXXXX/XX/XXXX XXXX XXXX Inquires 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
Product: Credit card or prepaid card

I filled a complaint a week ago, about chase credit cards, they called me the very next day, but. But I had my hands literally full and couldn't hold my phone at the time, I asked if they could give me five minutes, call me back, they said yes, then asked if this was XXXX XXXX, I said it is. They have not called back, I tried calling the number they called me from, it doesn't work. And they haven't called back. So I would like fill another complaint against them. I would also like to mention that I've went into a branch, Iand tried to show proof, also tried calling to get an email to show proof. Neither have worked so far
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XX/XX/2022, XX/XX/2022. 
I was told by the employees at freedomplus that my credit score would not be affected. 
I was told they would only pull a hard credit check if I took out a loan. 
A hard check shows up under XXXX. 

freedomplus.com 2022 Freedom Financial Asset Management , LLC. 
All Rights Reserved. 
XXXX XXXX XXXXXXXX Main Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Branch Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Mailing : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

RGS Financial started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and RGS " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.
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 confidentially under 15USC 1681 XXXX  accounts listed below 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. 




XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX. XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX BANKRUPTCY XXXX Acct. # XXXX ( HARD INQURIES ) ( SOFT INQURIES )
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GM FINANCIAL XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Checking or savings account

I opened an account at Simple because I had learned about a promotion they were offering. If you opened your account before XX/XX/XXXX XXXX XXXX PT, deposit {$20000.00} within 15 days of opening, and maintain a balance of at least {$20000.00} until XX/XX/XXXX XXXX XXXX PT you would receive a promotion of {$400.00}. 

I met all of the conditions of the requirements and have yet to receive a promotion. Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/XXXX and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.
Product: Mortgage

Hi I called loan care who services my loan which transferred me to lake view who has my mortgage. They gave me the runaround but finally sent me to someone who was supposed to help answer questions regarding refinancing. This man was really agitated and said it didnt matter what questions I had because I would not be able to qualify because I am on forbearance. I let him know, I know but I was asking for the future once I was making my payment, so I can remove privarte mortgage insurance in the future. He said I should worry about making my payments and would not answer any questions regarding refinancing. I told him I needed this information to make an educated decision on wether I was going to do a partial claim or modification when my forbearance ended and he said to just pay my mortgage on time, or I wont qualify for anything. This call was done XX/XX/XXXX XXXX Ca time and the entirety of the call including being transferred was XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN CALLING THEM AND THEY TELL ME THE SOMETHING ITS ACCRATE AND ITS IS NNOT. THIS IS THE PROOF FROM XXXX COMPANY. THIS IS CAUSING DAMAGE TO MY CREDIT.
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 affective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute 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, and I seek appropriate redress for these violations.
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. 

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 inructions 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 XXXX 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: Credit reporting or other personal consumer reports

Hello CFPB, In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX Account Number : XXXX, Agency NameXXXX, 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. 

This account is not accurate. It is not my account, not now or ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE EXPERIAN SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL. 

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES. 

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXPERIAN IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/
Product: Checking or savings account

My funds from a check for XXXX have been on hold for over a month ( which is illegal ). I have told them several times I have documents showing the funds are legit, but they refused to accept them, and they refuse to deposit the funds. Now they are closing my account and still wont give me my funds! I requested my {$2800.00} to be mailed overnight in a check, or allow me to get it from a capital one bank myself! They say they will close my account, but keep my funds until XX/XX/XXXX, then possibly mail me a check.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address systemic issues with Equifax, including its failure to ensure accuracy, discriminatory practices, and its negligence in safeguarding consumer data. XXXX practices have caused me significant harm by denying me access to housing and credit, which are essential for basic living needs.

Violations and Legal Basis : 1. Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Equifax has failed to adopt procedures ensuring maximum possible accuracy, resulting in errors that have caused me repeated harm.

15 U.S.C. 1681g : Equifax fails to provide adequate transparency, denying me full access to information used in my credit file.

2. Negligence in Data Security Equifaxs 2017 data breach exposed the personal information of 147 million consumers, including Social Security numbers, which constitutes gross negligence in safeguarding sensitive data.

3. Discriminatory Practices Under the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 : XXXX reliance on discriminatory credit scoring metrics disproportionately harms individuals without traditional credit histories, creating systemic inequities. 
Impact on Me : XXXX practices have directly harmed me by : -Preventing me from securing housing due to inaccuracies in my credit report. 
-Hindering my access to credit, despite my lawful capacity to contract.
Product: Credit card

On the night of XX/XX/XXXX, I tried to call company to discuss a dispute. When I called I originally was on hold for 45 minutes waiting for the dispute team. When I finally reached that team the operator hung up on me before we even got a chance to talk. I then had to call back in 3 more times only to get transferred right back into the same queue to wait on hold again for a longer amount of time. This company needs a way to escalate calls for people that get hung up on, or the call center rep needs to call the individual back they hung up on. This company is not staffed appropriately. Nor is the company providing the level of technology needed to dispute charges. We attempted to upload video to the chase website, for only it to not work. Then they sided with the merchant without even accepting all the evidence required to make the right decision. Now I am asking that Chase kick off the arbitration process with the company instead of charging me for services not rendered. This company is going way out of the way to make the experience so bad, they are trying to drive customers not to call in. Then when I ask them to go back and review calls, or file complaints on previous call center reps, they say they dont have the technology or given the rights to do so. This company is so far out of line they need to be regulated to the point that the government oversight ensures the call center reps have all the technology they need to make the appropriate decisions. This company is doing this on purpose to protect themselves and the merchants and not the customer. They need to be fined for this activity. We are talking about technology that has been available for over 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 
XXXX XXXX XXXX and the following inquiries are still on my report your investigation did nothing zip szero zilcg you send me another ambiguous response and the following inquiries are still on my report your investigation did nothing zip zero zilch you send me another ambiguous response XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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

Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX
Product: Student loan

Student loan started in XXXX  with Sallie Mae then they transferred over to Navient. Then a few years ago transferred to XXXX. I recently found out about a lawsuit with Navient. Id like to find out more about it. I know they went bankrupt and I was still sending monthly payments.
Product: Payday loan, title loan, or personal loan

Took out a loan with this company. They keep calling and calling on my bill I spoke with them originally when I got injured at my job and then losing it a few weeks later. I told them I had an open workmans comp claim that would make a settlement and I would pay back as I could. Called them back on Monday after they kept calling me leaving me messages day after day and told them I still do not have a job because of my injury or have not gotten a settlement from workmans comp yet where I just had XXXX done and still doing treatment to figure every thing out. I asked them nicely to not call me back for a month because it would be at least that long before I'm even able to start looking for a job again. Then Friday 3 workdays later they are calling me again. What can I do?