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

Chase JP Morgan has an account with me listed on it as an authorized user under my maiden name XXXX XXXX XXXX XX/XX/XXXX ss XXXX yet has never reported to the credit XXXX score in my name its been there sense XXXX I need them to report. I also tried to replace my card now 5 times and can't seem to get any answers on why they don't know how to issue my replacement. Main name on accout- XXXX XXXX XXXX my uncle.
Product: Debt collection

XX/XX/2021 Sequium Asset Solutions LLC placed derogatory entries on three credit reporting agencies claiming I am in default of some kind of debt from who knows who for {$1400.00}. They are wrong. I owe nothing to anyone at this time. I have attempted to contact this company by email on XX/XX/2021 and have not received a response back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX acct XXXX has been DISPUTED multiple times and it remains DISPUTED and it will forever remain DISPUTED. Every Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX have Willfully, maliciously, knowingly, negligently, deliberately, purposely, wantonly, intentionally, and incompetently violated the Fair Credit Reporting Act ( FCRA ) and Metro 2 protocols by failing to permanently mark my account as DISPUTED as clearly required by the FCRA and Metro 2. I demand {$1000.00} in statutory damages against every CRA and Furnisher for every day my credit file has not been reported as Disputed. The record is clear that I have bona fide disputes which have been admitted by every CRA and Furnisher. Moreover, XXXX XXXX, Senior Vice President in charge of credit cards, XXXXXXXX XXXX, has sent at least 4 personal letters to myself and the CFPB effectively admitting my disputes. Moreover, my Disputes have been escalated to the XXXX XXXX Chairman of the Board due to the obvious illegal conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a negative listing on my credit report for {$1800.00}, which I disputed and it was listed as verified without providing me a copy of a contract signed or any supporting documents. This account is not mine and should be removed from my report.
Product: Credit reporting or other personal consumer reports

Hello, THis company has reported me to the credit bureaus as being 120 days past due for just {$40.00}. 

First, All my loans are in forbearance and XXXX I did not even know I owed {$40.00} for this loan. This is ridiculous and unfair and dropped by XXXX XXXX by XXXX points. 

I am a teacher and am asking for loan forgiveness for XXXX and This loan was also paid off and forgiven. 

Also, when I log onto the website to even see my debt there is no information where to send a payment as there is no " collection '' agency listed. 

these are unfair and deceptive practices under the FCRA and Also Fair Debt Collection practices act. 

I would like to have this collection removed from my credit report IMMEDIATELY. THIS LOAN WAS PAID IN FULL {$1200.00} and these {$40.00} are fradulent and uncessary fees and has nothing to do with the LOAN ITSELF!!!!!!
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Bank of America for infringing upon my consumer rights. Bank of America has failed to provide me with the opportunity to opt-out before disclosing my personally identifiable financial information to third parties, including other financial institutions and consumer reporting agencies. This constitutes a violation of both my federal rights under the Gramm-Leach-Bliley Act ( GLBA ) and my state rights under the New Jersey Data Protection Act ( NJDPA ). 
Upon informing Bank of America that I did not consent to the sharing of my private information, they incorrectly claimed that they had the right to share my personally identifiable financial information as per their privacy policy and notice. However, these notices explicitly state that such information is instead subject to other federal privacy laws, such as the GLBA, and that for New Jersey residents, information will not be shared with non-affiliated third parties except as permitted by New Jersey law, such as for processing transactions or maintaining accounts. 
I have never signed any contract nor granted Bank of America permission to share or sell my nonpublic personal information or account details to another financial institution. I have requested a full accounting of this account, including specific documentary evidence signed by an accountant representative, to clarify the funding source and the actual amount owed. Despite this, Bank of America has failed to provide the requested accounting information and only sends me a copy of the Promissory Note, which itself contains multiple violations of the Truth in Lending Act ( TILA ). 
Furthermore, I have clearly specified in my most recent communication with Bank of America that all mail must be sent to a particular address, and any correspondence sent elsewhere will be considered an invasion of privacy and inconvenient. Despite this request, Bank of America persists in sending mail to an inconvenient address. 
Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). Bank of America is committing identity theft by sharing my personally identifiable financial information with third parties without my legally obtained consent in order to deprive me of my rights ( 18 USC 242 ) and to collect on extensions of credit through extortionate means ( 18 USC 894 ).

Pursuant to the GLBA and NJDPA, consumers must be provided with a reasonable opportunity to prohibit the disclosure of their nonpublic personal information before it occurs. I assert that Bank of America 's actions are an attempt to commit identity theft, deprive me of my rights, and extort payments. As such, the contract/Promissory Note is void and unenforceable, and I may be entitled to damages for violations of the FCRA, TILA, Uniform Commercial Code ( UCC ) , contract law, and New Jersey consumer protection statutes.
Product: Mortgage

The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ), An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 

*I was on a Covid 19 Forbearance Plan, and was never late on payments. I am now out of forbearance and mortgage is in good standing. I was given an accommodations, and as a result I can not have any negative effects on my credit. This is preventing me from pursuing any type of loans.
Product: Payday loan, title loan, personal loan, or advance loan

Sent documents regarding SCRA to Moneylion on XXXX, received no response until XXXX that they would not apply SCRA benefits as my debt was incurred during XXXX XXXX. It was previously stated that I am an XXXX  XXXX, and attached the laws specific to me for convenience multiple times, and was once again denied on XXXX. 
Paid off loan # XXXX : XXXX Paid off loan # XXXX : XXXX Current loan : XXXX
Product: Debt collection

We sent the collection agency to provide additional document and trail for the incorrect billing amount. Instead of sending details and copies of claim, they just sent to credit reporting, negatively affecting my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB collection dispute complaint. 

On XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX  and XXXX. Upon further research, this account was transferred/ sold from XXXX account to XXXX XXXX XXXX 



I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Product: Debt collection

I had a company Tek report on all three of my credit reports a collection debt that is not mine for the company XXXX XXXX in XXXX Texas. I contacted both companies to get the original contract that was supposedly signed by me and has my social security on it and I have yet to receive anything from them. I did some research and have proof that this account belongs to someone else similar name different social. But they are trying to attach it to me. This account was also proven to be fraud with XXXX XXXX who has the original information who we had to deal with this situation before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor XXXX I have no knowledge of this " original '' creditor 2. I have no knowledge of this account
Product: Credit card or prepaid card

It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.
Product: Credit reporting or other personal consumer reports

I dont recognize these accounts, delete XXXX *XXXX XXXX XXXX *XXXX XXXX *XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report regarding my account with XXXX XXXX, account # XXXX, which was opened on XXXX. The balance being reported is incorrect and the late payments being attributed to the account are inaccurate. However, I acknowledge that this is my account and I take full responsibility for its management. 

I have reviewed my records and can confirm that the current balance on my XXXX XXXX account is not as high as what is being reported. The balance being reported is {$53000.00}, but according to my records, the current balance on the account is significantly lower. This is reporting incorrectly.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2.  Debt disputed with TD Bank while account was in good standing 3. TD Bank  withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 
4. My last communication with TD bank supervisor ( XXXX ) was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to TD banks blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. 

Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with TD Bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and unauthorized actions taken on my credit file. Equifax has unlawfully reinserted a fraudulent account and failed to remove a promotional block on my credit file that was added without my consentall in blatant disregard of federal law. 

Fraudulent Account Reinserted in Violation of FCRA Creditor : XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reinserted : XX/XX/XXXX I initially disputed this fraudulent account under FCRA 605B ( 15 U.S.C. 1681c-2 ), submitting all required proof of identity theft, including : FTC Identity Theft Report # : XXXX Official police report from the XXXX Police Department Despite this legally sufficient evidence, Equifax refused to block the fraudulent account, directly violating FCRA 605B. 

I previously filed a CFPB complaint on XX/XX/XXXX, regarding this issue. Equifax responded on XX/XX/XXXX, confirming the fraudulent XXXX XXXX account had been removed. Yet, just two months later, on XX/XX/XXXX, Equifax illegally reinserted the account, proving a pattern of deception and noncompliance. 

Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) : Prohibits the reinsertion of previously deleted information unless the furnisher provides certified accuracywhich Equifax failed to obtain. 

Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) : Requires Equifax to notify me within five business days of reinserting any information. Equifax failed to notify me, making this an illegal reinsertion. 

Unauthorized Placement of a Promotional Block on My Credit File : Equifax placed a promotional block on my file without my consent, which is unauthorized and illegal under the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I used the bill pay feature from Capital One to transfer {$1000.00} from my Capital One personal checking account to my XXXX business account. The money never made it into my XXXX account. I have contacted both financial institutions and they each say that the fault is on the other. Capital One has provided me with a proof of payment. When I gave that to XXXX, they stated that they have done an extensive search of their national data base and have not been able to track down the payment. I even had a joint call between the XXXX institutions and we are at a stand still, both stating that there is nothing else they can do.
Product: Debt or credit management

Subject : Discrepancies in Credit Report and Transaction History - Request for Rescission, Compensation, and Credit Report Update I am writing to bring to your attention significant discrepancies that have been identified in my recently obtained credit report and transaction history through Credit Acceptance. Upon careful review, it has become evident that both my name and address are incorrect in the report, rendering the entire agreement null and void due to the inaccurate representation of my personal information. 

Additionally, I believe Credit Acceptance has engaged in fraudulent practices as defined under 15 U.S.C. 1662 ( b ). During the loan application process, I was explicitly informed by Credit Acceptance that a down payment was mandatory. Consequently, I made the required down payment in good faith. However, it has come to my attention that the down payment made by me was not applied to my loan amount as initially stated. This discrepancy has caused significant harm to my creditworthiness over a period of seven years, which is a substantial violation of my rights as a consumer. 

In light of these findings, I hereby exercise my right to rescind the transaction under 15 U.S.C. 1635. I request that the transaction be immediately rescinded, and I be provided with a full refund of the down payment amount. Furthermore, I would like to draw your attention to 15 U.S.C. 1681n ( a ) ( 1 ), which outlines the legal provision for compensation due to inaccuracies in credit reporting.

According to 15 U.S.C. 1681n ( a ) ( 1 ), I am entitled to compensation for each inaccuracy in my credit report. I request compensation of {$1000.00} per inaccuracy, as outlined by the aforementioned statute. Given the multiple inaccuracies in my credit report and the resulting harm caused to my creditworthiness, I expect an appropriate compensation amount to be awarded to me. 

Furthermore, I kindly request that all accounts pertaining to Credit Acceptance be removed from my credit report. These accounts are based on erroneous information and have contributed to the inaccurate representation of my creditworthiness. Therefore, their removal is necessary to rectify the harm caused by these discrepancies. I also request an updated credit report reflecting these changes to be provided to me. 

I expect Credit Acceptance to promptly investigate these matters, take the necessary actions to rectify the inaccuracies in my credit report and transaction history, and provide me with a written confirmation of the rescission of the transaction, along with a detailed breakdown of the refund amount. 

Please be aware that failure to address these concerns within a reasonable timeframe may leave me with no choice but to pursue legal remedies available to me under applicable consumer protection laws. 

I look forward to your immediate attention to this matter and a satisfactory resolution. Please respond to this letter within 30 days from the date of receipt. 

Thank you for your immediate attention to this matter. 

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

Hi, my name is XXXX XXXX and i had just recently opened a Venmo Account because a close friend of mine was offering to help me pay my past dues for my vehicle and rent. Especially my vehicle since it was repossessed by the bank. XXXX. We're on a time limit by the XXXX of XXXX before the vehicle goes to auction.. it's all been a struggle.. 

My husband recently passed away last year on my birthday ; XXXX XXXX and after all that hardship struck my son and I. We were falling behind only a bit before he passed away but after, things started piling up on top of us XXXX after the other. 

So my friend had heard what had happened and offered to help me financially. As stated before, i never had a Venmo account so i created XXXX with the help of my son and had everything set up to the best of my abilities. 

Once that was done, the next day my XXXX XXXX sent me an amount of {$3300.00} dollars to my Venmo account and from there, started the transfer progress. The total amount includes what i owe to get my vehicle back and my rent for the month. 

Today, i received an email stating that my account will be restricted and my transfer was " completed '' and that i will no longer be able to use Venmo 's services because i was in violation of their user agreement. But the money is nowhere to be seen in my account. It said that it was supposed to be transferred by today the XXXX of XXXX but it hasn't. 

And as for why I'm being restricted and and suspended, The Venmo payment only listed it as " XXXX XXXX ''. So i don't know what happened. Please help, we need this money, i need my car back and i need to pay my rent.. I don't know what to do. XXXX
Product: Credit reporting or other personal consumer reports

I disputed information on all three consumer reports and information such as balances and pass due were updated on these charge/off closed accounts to reflect open and revolving. For example XXXX account mentions an account opening in XX/XX/XXXX but also says first delinquency was in XX/XX/XXXX. This is a complete validation of my rights. As with other accounts there is no payment history and they were able to validate these debts. Nor did I give written consent to any company to use my credit profile or history to report incomplete and inaccurate information to any of the consumer agencies. These following companies violated my rights given to me based on ( FCRA ) 15 U.S.C. 1681. These companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened a Chase Southwest account in XX/XX/2020. At the time, there was a XXXX mile bonus. We received that. Then, on XX/XX/XXXX, another incentive was released : Additional XXXX points if you spend {$5000.00} in first 6 months. 

I called and inquired about that ( the additional XXXX points ). It's on my file and a representative told me I must call back to redeem the points. 

We have met the spending threshold. I called back. 

For some reason, they are refusing to add the additional points.