23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Checking or savings account

My wife opened an account with capital and deposited my check. Now capital is saying the funds arent available for withdrawal because the check was deposited in my wife account. My wife always cash my checks for me since I dont have a bank account. They asked why my wife and I why didnt we do a joint account and I didnt have my ID at the time. Now capital wont release my funds.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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

On XX/XX/2021 I mailed a certified letter to Experian requesting that they update spelling of my name and correct my address on file. The post office tracking number shows that the letter was received on XX/XX/2021 by Experian. They never responded to my request.
Product: Mortgage

I Have been trying to work with my loan company JP Morgan Chase to save my home from foreclosure for about 5 years. I have been sending in all of my paperwork that they have asked for and kept being told that it was with the underwriters and than after a few months they would tell me that my paper work expired and that I had to resend it back in and start all over again they kept doing this over and over. They also told me not to make my mortgage payments that they would not except them. I have done everything they asked of me and I recently let them know that I had a increase of income to our household due to my XXXX brother coming into my care after the death of my mother. When they seen that they suddenly informed me that even with the increase of money they could not help me save my home and that it was going up for foreclosure on XXXX XXXX, 2015. Than today I was informed that the sale date of my home was being moved up to XXXX XXXX, 2015. I have tried working with them on this issue from the start and have done everything they have asked me to do.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX Ct ] [ XXXX, CO XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2025 ] Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found an inaccuracy that I believe requires immediate correction. The information I am disputing is : Account Name/Number : Jefferson Capital Disputed Item : Did not open an account with that agency.

Reason for Dispute : Did not accept terms to that vendor for debt.

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this issue and correct the discrepancy. I have attached relevant documents to support my claim, including [ list any supporting documentation like payment receipts, bank statements, letters, etc. ]. 
Please investigate this matter and provide me with the results within 30 days, as required by law. I would also appreciate it if you could provide me with a copy of the updated credit report once the investigation is complete. 
Thank you for your prompt attention to this matter. If you need additional information or documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Citi Double Cash credit card. It was incorrectly flagged for fraudulent activity on XX/XX/2023. I called Citibank Fraud Prevention Services as instructed online at XXXX. However, they were unable to resolve the issue in a timely manner because of an incredibly frustrating identity verification procedure. They asked for several phone numbers that belonged to me and told me they " did not meet the criteria for verification '' without elaborating what that meant. Then, they asked me if I had any other Citi accounts, which I do not. The only remaining option, apparently, was for them to send me a letter through the mail with further instructions, which they said might take 7 to 10 business days. I am unable to use my card during this time. I can not even cancel my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian at XXXX today, XX/XX/XXXX to freeze my credit. I provided my data and was told I had to continue online or mail in a request. Having provided proper identification to the consumer reporting agency, they are required to offer a toll-free telephone to allow consumers free of charge to freeze their credit within one business day.

Please note that I am continuing to incur damages as a result of Experian not freezing my credit pursuant to the regulations in the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 and value damages at no less than {$500.00} per diem.

I request the immediate freeze of my account and the remittance of the damages incurred by Experian.
Product: Vehicle loan or lease

This was previously disputed. 
The dispute was resolved. 
Reporting as paid/closed. Paid as agreed. 

Lease is from XX/XX/16... Almost 7 years ago. 
This should not be reported as adverse information on any credit agency report.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT I HAVE NEVER BENEFITED FROM. I HAVE SENT SEVERAL DISPUTES TO EACH CREDIT BUREAU, AND WILL BE REQUESTING A FRAUD PACKET FROM XXXX SPECIFICALLY. I NEED THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORTS IMMEDIATELTY, FOR I AM A CURRENT STUDENT WHO IS FINANCIALLY BEING IMPACTED. I WAS ALSO PART OF THE XXXX XXXXXXXX DATA BREACH, AND HAD SOMEONE USE MY INFORMATION UNKNOWINGLY TO OPEN THE XXXX CARD. PLEASE REMOVE THESE ITEMS IMMEDIATELY
Product: Mortgage

Nationstar has consistently made errors in calculating my Gross Income. That is especially true for Social Security Income in all 6 of my applications for a modification. The last application for a HAMP 2 loan on XX/XX/XXXX shows that Nationstar 's computation resulted in $ XXXX/mo. less Gross Income needed for a HAMP 2 approval. and resulted in a HAMP 1 approval at a monthly payment of $ XXXX/PITI mo. instead of close to $ XXXX/mo.PI. They also had a value assigned to the property of {$140000.00}, as opposed to the XX/XX/XXXX certified appraisal of {$120000.00} or the last value of {$120000.00} assigned by Nationstar on XX/XX/XXXX. This was corrected on a review of the application on XX/XX/XXXX to reflect a change in forbearance form XXXX to {$51000.00} because of the 115 % rule. However, the monthly payment remained the same for 271 months as opposed to the use of 480 months, and the Social Security calculation was not corrected to result in an approval for the HAMP 2 modification.
Product: Money transfer, virtual currency, or money service

Hello Please can you help me what to do with this issue in my PayPal account? 

I just receive an email from PayPal that telling me that I can no longer do business with them. Right now I don't know what to think. I don't remember anything that i violated like PayPal told me. 

It all started this last transaction in my PayPal account. after I withdraw my money to PayPal and cash in in my XXXX account that I link to them. They send me the notification that I already receive the money and it will just take a moment to appear in my account. Before it's like a minute later, the money will already appear. But this last transaction that Im telling is not happen. And also I notice that I didn't receive a reference number from my XXXX account and no text at all like I always receive when I cash in in my PayPal. 

I also check my history in my XXXX if I receive the money but I didn't receive any. 

Since they send me the notification in my email that they already send the money I decided to email my XXXX account to tell them that I didn't received a confirmation text to them that I received the money from PayPal. 

I remember send the details from PayPal to my XXXX so they can also fix the issue so I will get my money. 
While waiting for my money to cash in in my XXXX account. 

PayPal send this email that I can no longer business with them. I can't see anything wrong that I did to do business with them. And it's really unfair. Because it will really affect my business. I'm worried because right now this is my only way to help my family. Can u help me to restore my account to them? 

Thank you so much
Product: Credit reporting or other personal consumer reports

INQUIRIES NEED TO BE REMOVED, I DID NOT REQUEST NO CREDIT DURING THOSE TIME. 

NEW AMERICAN XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint regarding my identity theft claim on XX/XX/year>. I received a response from the credit bureaus stating that they will not comply with section 605B ( 15 U.S.C 1681 C-2 ) which states that they are to BLOCK these fraudulent accounts off of my reports within FOUR days of receipt of the letters that I forwarded to them via CFPB. I have not seen any change to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute inaccurate information on my credit report and request an immediate investigation. As a consumer, I have the right to ensure that my financial records are fair, accurate, and verifiable under federal law. 

Upon reviewing my report, I noticed errors related to certain accounts and inquiries that should not be listed. These inaccuracies could be in violation of the Fair Credit Reporting Act ( FCRA ), particularly regarding privacy rights, reporting timelines, and data accuracy.
Product: Money transfer, virtual currency, or money service

For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via XXXX, in XXXX payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is XXXX 's limit per transaction for any XXXX period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have XXXX digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by First Citizens Bank ( see the bank 's letter of XX/XX/XXXX ), and that First Citizens had blocked that XXXX transaction, but that they would be reverting the {$3500.00} to me. I had XXXX three-way conversations with a representative of First Citizens and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX XXXX XXXX  account via an ACH, and that money would reach my account in XXXX business days. In the second, the representative insisted that the issue was out of First Citizens hands, and that I should have the XXXX XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that First Citizens insisted that the {$3500.00} should have automatically bounced back to the XXXX  XXXX XXXX ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of First Citizens Bank ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that XXXX informed the bank that they would actually refund you the money within XXXX business days because they regarded it as a XXXX reject since the money was not received. However, the bank found out later that XXXX did not do this. 
On XX/XX/XXXX, I filed a request with the XXXX  XXXX XXXX to recover the {$3500.00}. The XXXX  XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those XXXX phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and First Citizens Bank on XX/XX/XXXX. I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these inquiries XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unknown user sent an amount of {$70.00} to my cash app account. 
I did not know this user and therefore sent the {$70.00} back, promptly, on the same day, as requested by the user who explained they accidentally sent it to me. 
I thought nothing more of it until XX/XX/XXXX when cashapp notified me they would be taking {$70.00} from my account to pay to the same user because there was a dispute opened with the users bank. 
There was never any inquiry into the matter. I was never given notice or a chance to explain the situation. I was simply notified on XX/XX/XXXX and the money was taken right then. 
I have since tried to get the funds back with no reasonable resolution being offered by cash app ( Square inc ). I believe their actions are in violation of the ETFA and they have yet to offer any reasonable resolution to this matter. I simply want my money back in my account. I never authorized this transaction to be made. My explanation can also be ( and has been ) verified/validated/confirmed by cash app by simply looking through the transaction history on my account which shows the accuracy of my explanation! I would like the {$70.00} returned to me promptly! 
I would also like square inc to review its policies that would allow such a situation to occur in the first place. Their policies appear to allow financial scams to be perpetrated on their users and also makes them complicit in these scams!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 has violated my rights. 
XXXX XXXX XXXX  - The XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Department of ED XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Florida XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXXXXXX XXXXk has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I stayed at XXXX XXXX XXXX House in XXXX, XXXX for one night. We checked in on XX/XX/19 and checked out XX/XX/19. I prepaid {$500.00} for the room on XX/XX/19 ( non-refundable ). When we arrived I was told to sign the receipt for a {$430.00} deposit for " keys, minibar, damages ... '' After returning home I discovered that this business had no intention of returning my deposit and in fact steals deposits from people world wide. I received many nasty messages from the owner, one of which stated I would receive my refund in 3-14 working days. I never received the refund. 

This owner changes his lies as he goes as to why I will not receive my refund. The first was that I used the mini bar. There is no mini bar. I then contacted Chase to dispute this charge. As you will see in documents attached to this complaint, his lie to Chase was that the {$430.00} was the cost of the room, not the deposit. It even says on a document provided to Chase by him that the {$430.00} was for a deposit. I provided Chase 33 pages of proof, including the receipts for both the room charge and the deposit, bank records, messages from the owner that he was simply going to steal my money and much more. Chase has denied by dispute and has recharged my account for {$430.00}. When speaking to them on the phone they said they simply did not consider anything in the 33 pages I sent them. They said if a merchant charges someone, they make them pay, right or wrong.

I have attached copies of all of Chase 's letters to me as well as many of the 33 pages of documents I provided them, as requested. I can and will provide affidavits or anything else required to prove that Chase should refund my money stolen by this merchant.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Payday loan, title loan, personal loan, or advance loan

This company XXXX XXXX sent me documents for a loan approval. They claimed to be a company that helps clients with bad credit to improve their credit score by sending me checks to my email and having me send it to a XXXX XXXX bitcoin address. I was misled with information, they told me lies. By the third check i was notified that the first two checks bounced and my account is overdrawn by almost XXXX XXXX dollars. My bank account is closed and I do not want this situation to affect my future situation with banks