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

I am writing to you as the holder of LEASE account number XXXX XX/XX/XXXXto report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my LEASE have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XX/XX/year> XXXX XXXXXX/XX/XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX False Reporting. Debt has been charged off and agency is making derogatory remarks.
Product: Credit reporting or other personal consumer reports

THEY TRIED TO OPEN A CREDIT CARD IN MY NAME XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/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 violates 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

First Tech Federal Credit Union is engaging in predatory lending practices through deceptive marketing. On XX/XX/XXXX, I was sent an email ( attached ) offering a 0 % XXXX for balance transfers for 12 months and a second promotion offering XXXX bonus rewards points if I made {$3000.00} in purchases on the card in the first XXXX months. 

I called their support number to ensure by making purchases for the second promotion any payments I made would go first to purchases to avoid accruing interest before the 0 % balance. The representative assured me this was the case. 

I transferred {$15000.00} on XX/XX/XXXX and began making purchases. Despite paying thousands of dollars above the minimum payment each month, I have now been charged interest on purchases on my XXXX, XXXX, and XXXX statements. 

After repeated phone calls and emails, the XXXX XXXX XXXX XXXX shared the account opening disclosure, which includes a " How to Avoid Paying Interest on Purchases. section '' It reads : " To avoid interest on purchases after you transfer a balance, you must pay your entire balance, including any balances you transfer under in the introductory XXXX, purchases or cash advances, in full by the end of your current cycle. '' In effect, they are marketing two conflicting promotions. The first ensnares the borrower to transfer a large balance at 0 % interest and the second entices the borrower to make purchases which allows the entire balance to be subject to a much higher XXXX. 

I believe this practice, combined with the marketing emails, are predatory. I have made a complaint ( # XXXX ) with First Tech Federal Credit Union and they have agreed to reverse my interest charges and revisit their policies. 

I believe this joint promotion should immediately be discontinued. 

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

All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 U.S. code 1692d ( 1 ), 15 U.S. code 1692j ( a ), 15 u.s code 1692e ( 1 ) ( 2a ) ( 3 ), 15 U.S. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud.

You/reporting agency are also in violation pursuant to 15 U.S. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 U.S. code 1692k for damages.
Product: Mortgage

Ms. XXXX XXXX of Movement Mortgage kept sending my wife 's and my sensitive and personal information in CLEARTEXT over the Internet. When we asked her to stop sending our sensitive information in cleartext over the Internet, THAT'S when she then informed us that Movement Mortgage wasn't going to provide us with a mortgage pre-approval. We were ok with that. However, we were not ok with Movement Mortgage keeping our sensitive information in light of their poor custodial management of our information. We asked Ms. XXXX to please delete any and all information ( including emptying her email " trash can '' of any correspondences with our sensitive information and to delete any and all of our sensitive information from their servers. Ms. XXXX claims to have deleted all the emails. However, she then told us that Movement Mortgage was required to keep our sensitive information ( per CFPB regulations ) in case they are ever audited. When we asked her to provide us with the regulations, she was unable to. This is not acceptable.
Product: Credit card or prepaid card

I was never received any notification that would be charge a membership few and on top of not getting a notification, I was charged a late fee.
Product: Credit reporting or other personal consumer reports

I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remakes have been detrimental to my life and credit health.
Product: Debt collection

I received an alert on my XXXX account from the XXXX  and XXXX  Bureau stating that I had a collection in progress from the business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY. I was really concerned about this issue and I gave them a call on XX/XX/XXXX, XXXX. I explained to them that I never received any prior billing or statement from them, that this debt was new to me. The person I spoke to, took my information, name, address, phone number. ( I have her name for future reference. ) She asked me about receiving any notice and I told her no, that the only reason I knew about this matter was that I was notified by my XXXX account for my credit report. She explained to me that it was from the XXXX XXXX office XXXX XXXX sent to XXXX XXXX XXXX for the amount of {$340.00}, for a lab test done on XX/XX/XXXX. Apparently, the insurance was charged but the member information was inaccurate. I told her my insurance has always paid for my lab test. The lady asked me for my Insurance Id number, I gave it to her, and she explained that XXXX XXXX XXXX had a wrong digit number, that this was causing the insurance not to pay for my XXXX XXXX. She asked me to contact her in two weeks to get an update on this case, that she was going to contact the lab. ( I believe two weeks is too long, my credit is going to be affected by this and I am planning to buy a house. ) After that I called XXXX ( Doctor Office ) and informed them of what was going on, the lady said to give them a week to investigate this matter. On XX/XX/XXXX, I called the XXXX XXXX XXXX at this number ( XXXX ) XXXX, they are affiliated with XXXX XXXX, they gave me another number to connect to them directly at ( XXXX ) XXXX. I was able to speak to a lady that I also have her name, she asked me if I never received a bill from them, I stated no. She asked me for my information name, address, phone number. I asked her to give me Information about my account since I never received any bill I didn't have any account number. She said she couldn't provide me with anything because she was not able to retrieve anything from her system. I explained the situation, but she couldn't see my Insurance Id number. She asked me to take a picture of my insurance card front and back and to send it to the email she provided me with. When I tried to forward the email, it was returned as a failure because the domain email does not exist. After several attempts, I try to reach XXXX XXXX XXXX again but their voice mail keeps saying ( Due to unforeseen circumstances we are unable to answer your call right now, please leave a message. ) I would like to know what should be my next step, I don't want this to stay on my credit report since it was not my fault. Thank you so much for your time.
Product: Debt collection

I reached out to the company requesting validation of debt being owed to them. I never received any mailings, which I shouldn't have because they were never authorized to obtain my personal nonpublic information. I asked for all accounting history related to this alleged debt, as it relates to IRS publication 508, to include any signed contract with this company. 


I was never given this information, failing multiple requirements of the FCRA. Furthermore, I never authorized XXXX XXXX XXXX, whom they claim they are collecting for, to furnish my information. In the company 's terms and conditions, it strictly states that they will not sell any of my information, which they did when they sold Midland Credit Management my personal financial information. Since Midland Credit Management has decided to include themselves in this matter, they are just as much bound by XXXX XXXX 's Arbitration clause, as XXXX  XXXX. Midland Credit Management along with XXXX XXXX has violated my federally protected consumer rights and will be dealt with accordingly, if they do not remove this information from my consumer credit file within 7 days.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

On XX/XX/XXXX. I received a vehicle from XXXX ( I live in XXXX ) that I purchased from XXXX in XXXX. The vehicle arrived without a temporary plate. When I asked the dealership about this, they said the plate blew off in transport. The transport driver stated it did not have a plate when it was picked up. My loan was financed by Consumer Portfolio Services ( they were fined XXXX XX/XX/XXXX by the FTC ). For several months after I received the vehicle, the dealership would not send me the title and registration. XXXX got involved, but apparently the dealer did not own the car when I purchased it and CPS knew this and accepted the loan. On XX/XX/XXXX CPS sent a letter to the dealer that states they failed to perfect the lien within XXXX days and CPS is demanding the return of the monies. The dealer informed me that CPS told him I defaulted on the note which I have not. I missed a car payment and pay extra each month to make up for the payment I missed. Now the dealer is telling me he will be repossessing my vehicle because I am in default but I am not. CPS has colluded with the dealer to commit fraud as they knew the dealer did not own the car when they agreed to accept my loan. Now my car is being repossessed and I have paid my notes. CPS was fined by the FTC for these types of practices and now I am losing all of the money I invested. I have made several attempts to contact CPS regarding this problem but have not been put through to the right manager. I need someone to contact me before I lose my car. Both the dealer ( XXXX XXXX ) and CPS committed fraud. I need someone to contact me immediately so I can determine who is in the right or wrong.
Product: Debt collection

I am the victim of ID THEFT and my name and SSN was used to open FRAUDULENT ACCOUNTS. 

Please see attached FTC report for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my wife and I are on the Equifax " MyEquifax '' accounts. I was bumped off of the paid " Equifax '' account and when asked about it was told that the " Equifax '' accounts are no longer available to the public, they are now being used by businesses. But when going to Equifax.com we can see that there is still consumer access to the regular " Equifax '' account. And we also see that there is a " Family Equifax '' account that's fee based. We've been restricted from choosen the Regular and family Equifax accounts. And also find it very strange when talking to an Equifax agent where the story is usually very different from one to the other. But for sure this has been a problem for months now, much like us being able to go to " XXXX '' and download a credit report. It has been well over a year that I have not been able to download a free credit report that The FTC said should not be the case. 

Also, on our MyEquifax account, the Report reads as such : AS OF : XX/XX/2021 but the reported data is dated as : XX/XX/2021 - which means we only have access to outdated material. Or the account is not being updated to reflect what is being shown in our present reporting ... which has been something that we've not been privileged to for the longest. I'm told to open a separate report on not being able to download a free report from XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Huntington offered a service called stand by cash. They did not say how often you can use this service, only that it must be paid back if borrowed from and if not, you can not use the service again until loan is paid and also it reflects your credit. I assumed if you paid what you borrowed on time I would receive a kindly report! But when I used the service paid my debt on time and sometimes early in full I received a unfavorable report that lowered my credit by XXXX points the exact gain I worked so hard to achieve to be approved for my home upgrade loan I needed to install desperately needed XXXX XXXX  for my XXXX  and install a XXXX XXXX and XXXX  for my XXXX XXXX and other degrading conditions!
Product: Credit reporting or other personal consumer reports

XXXX reporting inaccurate Balnace XXXXXXXX XXXX placing recent high credit XXXX XXXX usage remarks on my report. Please see attached XXXXXXXX XXXX statement document below. XXXX did not investigate nor contact XXXXXXXX XXXX  for the correct balance for XX/XX/2023. Instead untilize the XXXX system resulting in reporting the same exact balance for XX/XX/2023 balance. Therefore, requesting XXXX CONTACT XXXXXXXX XXXX  to investigate and mail a response of all payments and balance of Stament date of XX/XX/2023. This month is almost over and XXXX refused to contact XXXXXXXX XXXX to report accurate balance information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, A wire was send to XXXX ( XXXX ) through Chase but using XXXX XXXX as intermediary bank. 

It was a wire of XXXX send on XX/XX/XXXX. Because of wrong information on destination XXXX XXXX returned the money to Chase ( See letter from XXXX XXXX received after complain to them ) on XX/XX/XXXX. 

As of today Chase has not returned those fund to us, and communicating with their wire department has been a nightmare ( hours waiting on the phone, them not beeing able to communicate with XXXX XXXX and they really do not seem to worry about our money .... 

This is the last answer from XXXX XXXX : ============================== We found that on XX/XX/2023 XXXX XXXX returned the wire in question to Chase bank. The wire was initially returned to XXXX XXXX with an incorrect case number attached. We found that the incorrect case number was previously provided to you. 

The correct case number is XXXX. Other numbers that might help Chase locate the wire are : XXXX XXXX XXXX and XXXX number of XXXX. A {$50.00} fee was taken from the wire before it was returned, {$6300.00} was returned to Chase ================================ So we would like Chase to return that money to our account .... It's been too long and we have been very patient
Product: Student loan

Employee of 501 ( c ) 3 organization for 12 years with student loans trying to apply for PSLF. Completed online help tool on XX/XX/XXXX. Employer not in database. Information sent to XXXX and told to wait 30-60 days. No response ever. Completed online help tool again on XX/XX/XXXX. Employer not in database. Information sent to MOHELA and told to wait 30-60 days. No response ever. MOHELA telephone system does not connect to human being and automated system under my Social Security Number indicates no file exists and call ends. Thus, impossible to get a final determination of employer eligibility in order to permit completion of application for the PSLF program.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I am unaware of this matter, and the company proceeded without my approval.
Product: Credit reporting

equifax is reporting name change and I contacted company and they say contact my creditor to see who issued name change. I did talk with my XXXX creditors and they know nothing of name change. 
Then I communicated with equifax again and their response : " Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 
If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days by simply replying to this email. 
Thank you for allowing us to be of service to you? 
Subject Name Change??? 
Discussion Thread Response Via Email ( Equifax Customer Care ) XXXX/XXXX/2016 XXXX Dear XXXX XXXX, We appreciate the opportunity to resolve this matter on your behalf. 
I sincerely apologize for any inconvenience you have experienced. 
For more information on this name change, we recommend that you contact each of your creditors and confirm that your name is correct in their records. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your creditor is correct. This would also make sure that this information was not changed fraudulently. 
You may also contact our Consumer Services Department at : XXXX. They correct and update any incorrect or fraudulent information on your Equifax Credit Report. You will be able to speak with one of our representatives Monday through Friday from XXXX to XXXX in your time zone. 
If you have any additional questions or concerns, you may contact our Customer Care Department at the telephone number listed below. 
Thank you for contacting Equifax , Equifax Personal Solutions - XXXX Equifax Personal Information Solutions Equifax Complete Premier Plan XXXX ( XXXX ) 24 Hours a Day, 7 Days a week Answers to your financial questions. All in one place. Check it out today. 
Equifax Personal Finance Blog : www.equifax.com/blog [ XXXX ] " Equifax refuses to disclose who submitted a name change.