23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was pressured to make a credit card to get a better deal on a mattress by a Sears employee. After creating the card, I expressly asked if I could defer payments and he assured me that I could, as long as I paid off the balance before the year was up. 

When he took my address, he did not take down my PO Box , insisting that he needed my physical address. Since he did not take my mailing address, I never recieved a bill from Sears.

Months later, the Sears company forwarded the amount due to collections and reported to my credit agency I had a delinquent account and 4 missed payments. At this time I had not received anything in the mail or received any phone calls and was not aware I had a missed payment. I promptly paid the collection agency in full, but Sears neglected to take the 4 missed payments off of my credit report, even after disputing it with them.

Sears has never sent me any documentation that showed they mailed me the bills to my correct address. It appears that the employee put my physical address as my mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXXXXXX XXXX XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Debt collection

This company not once sent me a statement but called and harassed me stating they were trying to serve me papers with a company called XXXX XXXX. They have left me Voice mails wishing me luck. Before my last name was XXXX and they leave all kinds of messages in XXXX harassing me about suing me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information.

This company has failed in their obligation to protect the privacy and confidentiality of my information.

Under under this rule financial companies are to have permissible purpose to furnish accounts to consumer report including THE WRITTEN INSTRUCTION OF WHOM THE CONSUMER RELATES. 

I have not giving any written instructions to furnish my non public personal information to any third party. 

This company has knowningly transferred my account personal information without permissible purpose of whom the consumer relates to XXXX, XXXX AND XXXX. 

Because of this reporting I have suffered damage to my reputation, my character, invasion of my privacy, emotional, physical and economic harm. 

I requested documentation of permissible purpose from this creditor and they refused to be in compliance and give that documentation to me and refused to DELETE my account if they can not give me reason as to permissible purpose.
Product: Credit reporting or other personal consumer reports

Huntington national Bank made error on my credit report statement saying that a loan was never paid and I still owe a outstanding balance for XXXX to all 3 credit bureaus saying that 0 % was paid but on their database it is paid in full sent information before due date to credit bureaus as unpaid when it is paid in full at the bank credit bureaus still says I have a outstanding balance of XXXX that 0 % was paid on this loan so every credit bureaus has dropped my score now it was a error at the bank as I set up auto pay to have all payments deducted but they never did instead they reported to credit bureaus as unpaid 0 % payments made but ther database it is paid in full as I have bank statements to prove it but credit bureaus all have it as outstanding balance that 0 % was paid on loan all three credit bureaus dropped my score I worked hard to get a good score now the bank has ruined it for me it was there error I was set up with auto pay with them but they never took payment instead they submitted false information to credit bureaus as not paid I dispute it but not getting any results just dropping my credit scores with all credit bureaus now as of there mistake I did nothing wrong it was the banks fault payment wasn't even due yet for one and I paid in full before due date plus I was set up for auto pay with them this should not have happened at all people work hard to get good credit now they destroyed my lively hood
Product: Credit card

I am writing to address the unexpected and unjustified closure of my Chase Freedom credit card account. This action is deeply concerning and unacceptable. Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right. Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.
Product: Payday loan, title loan, personal loan, or advance loan

I am deaf and struggling heavy debt bills in past and quit job XXXX and lost XXXX XXXX because my serious health problems I have XXXX XXXX XXXX XXXX stress, fatigue, becoming illness and regional financial loan keep pushing to hard rush force about money owe balance and keeping call or letters they need stop and respect me and threaten take me court and I am very sick and I have money problems situation if they keep do this I will go hospital again
Product: Credit card or prepaid card

In XXXX I received a XXXX $ virtual card from XXXX because my identity was stolen. It was given to me through a website called My XXXX XXXX. I used the code and retrieved a card. 

This month they sent me an email reminding me about the card and explaining how to get the actual card number by clicking a link. I had difficulty even accessing it and there was only a po box for the site, no support number. The only support listed was for the specific credit card. So I called the XXXX phone number listed on the site, and went through the automated XXXX which often ended with a " goodbye '' when I couldn't find the right option. 

I was finally able to reach a live person who helped me get access. 

Imagine my surprise to discover there was less than XXXX $ on my card because XXXX / myPrepaidCenter had been charging me a " Dormancy Fee '' of {$5.00} EVERY MONTH- on a XXXX $ card. I still couldn't access the card. I was unable to load it into my wallet, so the fees would continue. What happens when the card is empty? Would they send me a bill every month? 

I called again, another round of XXXX and wait times. When I asked if they would continue to bill me every month even after the card was empty and even though I couldn't access, she couldn't answer. When I complained, the support person said they didn't work for XXXX or for the website. She was unaware of any XXXX fee. 

It took several phonecalls before I could find someone who would help me. I complained until my persistence paid off. I was finally told that this was a mistake - since I only retrieved the card number today, I should not have been charged. 
Even if I had retrieved the number 6 months ago, that fee is absurd!! They promised they would give me my money back and would mail me a plastic card ( at no fee. ) We shall see. 

So first I suffered identity theft through XXXX, and then I was robbed by XXXX.
Product: Checking or savings account

Capital One has failed to provide proof funds were received from a closeout check reissued on XX/XX/XXXX, delivered the following day on XX/XX/XXXX. Prior to this, a check in the same amount of XXXX was mailed on XX/XX/XXXX, received on XX/XX/XXXX, the day before I left for vacation. This check had a stop payment placed on it prematurely, Capital One reps did not allow enough time for first check to receive before placing stop payment, reissuing it. I left for XXXX XXXX the morning of XX/XX/XXXX, XXXX XXXX with XXXX XXXX XXXX picked me up, drove me to XXXX Airport at XXXX XXXX, XXXX XXXX can be reached at XXXX. I have attached a statement from Mr XXXX stating he picked me up on said date and time, the itinerary from XXXX is also attached. I spoke with a supervisor named XXXX on XX/XX/XXXX, he stated if check was in fact intercepted and cashed by another party as it was then I am still owed funds by Capital One, he requested a replacement check. A reply from another rep, XXXX, states no check will be sent. Prior to this, I've requested Capital One review signatures on both checks, they will see signatures do not match. This was requested yet again, Capital One requested additional time to respond, then turned around and marked complaint as a duplicate. They fail to recognize this fact, my signature was forged, if they did so, they would have to reissue check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$630.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681b 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

I am part of the Borrow Defense against XXXX XXXX XXXX. The federal government has ordered all of my federal loans associated with the school to be discharged. Recently, this has been extended to private loans due to pressure from private corps. I called Navient to start this process and they refused to help me because I refinanced through a different company 2 years ago. I was forced to refinance due to the outrageous interest rates they were charging me and would not help me refinance with Navient. I believe that they have an obligation to pay the current holder of the private loans that they sold me in the first place. The fact that they no longer service them should not impact the obligation to discharge the debt. The federal government has already ruled the XXXX XXXX XXXX was predatory and my federal loans have already been discharged. By making me pay my other holder, they are forcing me to pay back the predatory loans that were fraudulently obtained by a for-profit institution.
Product: Credit reporting or other personal consumer reports

See the attached FTC report and remove the following unauthorized accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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. 
What would be a fair resolution to this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Alerted on XXXX XXXX that my personal information could have been affected by the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, XXXX XXXX. 

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission so you know it's not a game. I want you to remove out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of { {$1000.00} } per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and Transunion ) credit report and I noticed some late payments on there. 

XXXX XXXX : XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX XXXX
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 violated the Customer 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.