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

My name is XXXX XXXX, yet Experian report has my name as XXXX XXXX XXXX. I have been trying to get a loan for a house for months but because of the incorrect name in Experian, the banks can not process my loan application. I worked with multiple banks and they came across the same issue. I have called Experian many many many many many times and they gave me hope that it would be changed, however, later they told me that their company policy doesn't allow them to have two letter names as the first name. Their customer service refused to help me many times. My dad was given that name at birth and that's his name in everything. 
We can't change his name and Experian won't help us fix it in their system.
Product: Debt collection

XXXX XXXX XXXX has failed to validate an " alleged '' debt in the amount of {$120.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Money transfer, virtual currency, or money service

I am filling 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 effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 's, was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and regulations E. These action have caused significant inconvenience and financial loss, and Im seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone asked for loan to a XXXX XXXX XXXX in my name for solar panels, XXXX for {$35.00} I don't have any solar panels, I already expained to them and they want the payment, I made a report to the credit companies : XXXX, XXXX, and XXXX but they said they have the contracts and if I want hire a lawyer.
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

I have been working to pay off my debts which include my student loans and car loan. I have not always been faithful in making payments but within the last 3.5 years I have committed to paying my loans off. I have talked with Navient on several occasions on how they allocate my payments ( principal vs. interest ). They have failed to fairly adjust the allocations. This unethical practice is unjust to me as a borrower and will keep me in debt on an account that can be easily paid off. At the rate I'm going I will finish paying off my car loan ( which had a higher balance and higher interest rate ) before my student loans will be satisfied.
Product: Debt collection

On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( Transunion and XXXX ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX has been very successful and very helpful in removing the same EXACT accounts that Transunion and XXXX failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.
Product: Debt collection

Voluntarily returned vehicle could no longer afford. Sold amount remaining XXXX Debt collector already took well over 6000 we are always told a higher amount when we call They take a huge amount weekly where we are facing eviction company says no hardship pay the bill /welfare food stamps goes by gross we don't qualify will be homeless..credit report and paystubs says this debt should be pd off as ofXX/XX/2018 still taking money saying now we owe another XXXX
Product: Credit card or prepaid card

I got a secured credit card with Us bank, I put XXXX dollars in the account was trying to build my credit and suddenly they closed my account without previous notification affecting my credit score for XXXX XXXX. So I called them to see whats going on, they said they cant verify my identity. So I sent them a copy of My driver license and social security, They never fix the problem, so I called them to Send my secured deposit back, and they refused to do it. So Im feeling discriminated because Im XXXX, they assumed the person on the the account its not me.
Product: Credit reporting or other personal consumer reports

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the XXXX XXXX XXXX. This statute, an integral component of the XXXX Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I opened an account with Jared. In XXXX of XXXX, I faced significant financial hardship and realized I would not be able to independently manage my debts. I contacted XXXX XXXX XXXX ( XXXX ) to help manage certain accounts that I feared I may not be able to manage independently, which included the Jared account. In XXXX of XXXX, XXXX contacted Jared directly and advised that they would be managing the account and presented Jared with a Power of Attorney letter executed by myself. In XXXX of XXXX, Jared verbally agreed to enter into a settlement agreement with me for 3 payments to be sent in XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. As such, XXXX issued the first payment to Jared in XXXX of XXXX. However, Jared took exceptional lengthy time to execute and return the final agreement ; and subsequently, changed the final written agreement to accept payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. This was after the first payment was issued in XXXX of XXXX per the verbal agreement. Therefore, the second payment was issued by XXXX in accordance with executed final settlement agreement. To date, the company continues to report this account as having late payments from XXXX of XXXX through XXXX of XXXX, for a total of 6 late payments, in spite of the settlement negotiations commencing in XX/XX/XXXX and the initiation of payments in accordance with the agreed upon settlement in XXXX of XXXX. 

I spoke with Jared at length on XXXX XX/XX/XXXX, and Jared refused to acknowledge any part of the settlement agreement reached with XXXX and refused to remove the negative reporting from XXXX, which is inconsistent with the legally binding verbal agreement and final written agreement entered into with the Jared.
Product: Credit reporting, credit repair services, or other personal consumer reports

This pertains to the Equifax security breach where my personal information were compromised. While I understand that Equifax is as much a victim in this as I am, I had placed my trust in them to protect my identity. While I do not fully understand the technical details of the systems they used, and the maintenance they performed on them, I do believe that for a company that handles such delicate information, their systems should have been more secure.
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. Send me an updated copy of my credit report and please block and remove all information from it. The following products were obtained through fraud that I did not authorize and are not mine : In accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates that these accounts be deleted within 4 Business Days of receipt, block and destroy all information arising from identity theft. 
Thank you Block and delete accounts.
Product: Debt collection

This complaint is about my efforts to return three ( 3 ) of the four ( 4 ) pair of boots purchased for my daughter at a Lane Bryant in XXXX XXXX, XXXX, MD. My daughter decided to keep one pair of boots and I attempted to return three ( 3 ) pair of boots. This store no longer exist in the stated location. 

The store location in which I attempted to return the boots purchased would not accept the boots for return for the stated reason that they were not in a box. Two ( 2 ) pair of boots/shoes were not in a box when purchased. I had a receipt and the attempted return was made within the time allowed. 

Three ( 3 ) pair of boots I purchased for my daughter were too small so I initially attempted to return the boots to a location other than the one where the purchased was made. The store location in which I attempted to return the boots purchased would not accept the return because they were not in the original box. I explained to the then store manager that the boots were not sold to me in a box. 

I went back to the original store where the purchase was initially made in my efforts to initiate the return. However, by that time, I could not locate my receipt and the store manager at this location could not find the purchase in their records. The purchase was made using a Lane Bryant stores credit card. The style number of the boots I purchased and are still awaiting return to Lane Bryant are included below. When I purchased the boots, they were on sale.
Product: Credit reporting or other personal consumer reports

I have called and emailed Nelnet requesting correct and fair credit reporting for my student loan. They have not done so for all 3 credit bureaus. This is preventing me from getting a mortgage.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE ACCOUNTS THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete XXXX Inquiries
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. The purpose of this communication is to follow up on my previous complaint dated XX/XX/XXXX. I want to inform you that I will be updating my credit reports within 15 days from today, the date I sent this complaint. I sincerely hope that the items listed in this complaint, for which I have filed a report with the FTC under reference # XXXX, will be removed before the 15-day deadline. Please take note of the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Agency is not licensed to collect in the state of NC. I would like the services removed off credit report with all 3 credit bureaus. 

Amounts : {$2800.00} {$2800.00} {$2000.00} {$380.00} {$610.00} {$230.00} {$210.00} {$50.00} the agency is not licensed to collect in NC. Agency has filed items on my credit report.
Product: Credit reporting or other personal consumer reports

I was recently denied life insurance due to a 2017 Bankruptcy being reported on by XXXX on my credit report. I contacted XXXX regarding this misinformation and was told that it was verified through XXXX. This is absolutely not true. I have a XXXX consumer report and it is clear that there is NO bankruptcy being reported on this report. I have submitted a copy for your records. 

This information is inaccurate and causing me to loose needed coverage.
Product: Debt collection

I have made several attempts to rectify this matter with Experian and XXXX. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I had a business XXXX  account with Santander Bank. the XXXX  account was only used to hold rental property money, therefore very little activity took place with the account accept to deposit rent monies. Fraudulent activity started on the account XX/XX/XXXX through XX/XX/XXXX. I boarded a plane on XX/XX/XXXX for vacation for XXXX  days. Hence, I was not accessing/reviewing this account during that time, nor did the bank notify me during the time frame regarding any fraudulent activity. Within this time frame, the account was hacked and drained of all XXXX  XXXX I filed claims with the bank for reimbursement XX/XX/XXXX. & the account was shut down. The bank is stating that I didn't do timely filing. Their policy is XXXX business days once fraudulent activity starts. So they will not reimburse me for unauthorized epayments to XXXX and XXXX cards. I was reimbursed by XXXX and XXXX XXXX for unauthorized online payments that took place on XX/XX/XXXX. I did file a police report. I did try to speak with the fraud dept directly, but was told by the claims dept that it wasn't a fraud dept issue. It was a claim dept issue. Hence they wouldn't let me talk with the fraud dept. I did check my credit report and didn't see any fraudulent activity,. I never gave out my password, pin or ever used the debt card associated with the account.I also don't understand why timely filing applies to XXXX and XXXX but it didn't apply to XXXX or XXXX XXXX who settled their claims.
Product: Checking or savings account

On XX/XX/22, there were 18 fraudulent withdrawals made on my savings account from two Chase branch ATMS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) 8 withdrawals of {$20.00} each 4 withdrawals of {$40.00} each 4 withdrawals of {$100.00} each 1 withdrawal of {$200.00} 1 withdrawal of {$500.00} Total : {$1400.00} I immediately reported these transactions as fraud to Chase that same day ( I am a customer ) I also filed a police report with the XXXX Police Department. Chase denied my claim, as according to their records, the transactions are listed as coming from the XXXX XXXX on my phone. I was home that entire day with my phone and debit card and have never lost or had my debit card or phone stolen, nor have I knowingly given anyone else the log in credentials to my phone or debit card info. 

I have worked with Chases complaint escalation department and they continue to refuse to refund this money. I have also gone into the branch at XXXX XXXX XXXX XXXX and had the branch manager speak with them. Chase has also have refused to review the surveillance footage ( that they own ) from their ATMs where this theft occurred. They have told me I need to work externally to get access to this. If they reviewed the surveillance footage they would see that it wasnt me who made these transactions.
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. 

XXXX 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 has violated my rights. Or a 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: Student loan

Under **the Family Educational Rights and Privacy Act ( FERPA ) ** ( 20 U.S.C . 1232g ) and **the Privacy Act of 1974** ( 5 U.S.C. 552a ), my student loan information is protected from unauthorized access and disclosure. The Department of Education and loan servicers are legally required to safeguard my personal and financial data, ensuring that it is not accessed or shared without my explicit consent.

If Elon Musk has gained access to my student loan records without lawful authorization, this constitutes a clear violation of federal privacy laws. Such unauthorized access compromises my rights and may constitute grounds for legal action, including but not limited to, seeking the discharge of my student loans due to privacy breaches and noncompliance by the responsible entities.

I formally request an immediate investigation into this matter and the appropriate remedial actions, including the potential cancellation of my student loans due to this serious breach of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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