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

PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX COLLECTION/CHARGEOFF Other XXXX COLLECTION/CHARGEOFF Personal Loans {$3100.00} XXXX XXXX Other {$310.00} XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my private information which puts me and 209,000 other people at risk. I am listed as a potential victim according to their website - equifaxsecurity2017.com - and I would like a resolution. I 've worked hard to build my credit as a XXXX year old, I 've worked hard to maintain a good score with a good history, and now all of that is at risk because of gross negligence by this company. Now I have to pay a fee to freeze my credit because of incredible incompetence, since my SS number, DOB, address, CC numbers, and possibly even driver 's license number are likely indexed as, at this point, they 're public information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has shared my information without written consent
Product: Money transfer, virtual currency, or money service

I made crypto currency deposit to Robinhood. They say they can not verify the legitimacy of the funds and so closed my account with my funds still stuck there. 

Now they say they are unable to return the money to me. Can they return it to the depositing source then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I took out a no-interest financing loan from Green Sky to purchase new blinds for my condo from 3-day blinds. See attached contract. The special financing would end XX/XX/XXXX. The blinds were installed in XX/XX/XXXX. 

To pay off this loan in a timely manner, I paid XXXX a month. Then, I noticed in my XX/XX/XXXX statement ( see attached statement ) that another charge from XXXX  XXXX  had been added to my account on XX/XX/XXXX for {$2100.00}. I never authorized this charge at all. From an email document from XXXX XXXX  sent to me by a XXXX, there was an account posting to XXXX XXXX XXXX XX/XX/XXXX for {$2100.00}. See attached png photo. I suspect that somehow this got charged to me for some reason. I notified both Green Sky and XXXX XXXX of this account error. All I want is that the {$2100.00} charge placed on my Green sky account be removed Despite the fact that I notified Green Sky and XXXX XXXX  of this mistake it has yet to be corrected. There have been all sorts of strange actions taken on my account, leaving me with a negative balance of - {$1200.00} ( see excel file attached ), which makes no sense to me at all. I still owe money on the account from my last XX/XX/XXXX statement to the tune of {$2200.00}. I called Green Sky on XX/XX/XXXX and spoke with the case manager XXXX XXXX on my account who did not seem to understand what I was saying and was unable to resolve the situation. Hence, I am turning to you for assistance. Thank you very much.
Product: Debt collection

c/card charge off date XXXX/XXXX/2004 this is beyond Oregon State Statute of Limitations to collect the debt was mine, but now beyond collection effort limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

they sent a fax to the head of HR and accounting at my company with a fake wage garnishment form. luckily she realized it was fraudulent and illegal before sending it through to garnish my wages. I sent them an e-mail, fax, and certified letter telling them to cease and desist all contact with me and my employers. they continue to call and send e-mails to my company e-mail threatening to send another fax to garnish my wages. i received one of those emails agian today. i have included the latest e-mail. i told them to stop this harassment back in XXXX.
Product: Credit card or prepaid card

On or about XX/XX/2022, i received an email from American Express for a XXXX card offer with a bonus of XXXX miles, if I charged {$3000.00} in the first 90 days. I already have a gold card with Amex and the new offer was because Im a customer in good standing. I clicked on the apply Now button, was immediately approved. 2 days later I received notification card was delivered. I hadnt received it, was unable to freeze it so no one could use it. I called customer service, the representative froze it on my behalf and answered my inquiries about the miles, when, how much and so on. I finally got the card 2 days later as it was delivered in error to another address. I immediately used the card to purchase several items, spent {$2500.00} and researched my account to see exactly how much was needed for me to reach the {$3000.00} amount required for the miles. I found nothing. The sign-up offer disappeared. I called and a representative told me, the offer was canceled. He didnt know why, when, or how. I kept all emails as is my practice and found no mention of the offer being withdrawn. 

I sent a complaint by email to the Executive Team. XXXX with the executive team called me this morning. He insisted that their system has a pop-up which tells the applicant the offer does not apply. He couldnt produce such pop-up and said if I produced a subpoena he would then do it. I asked to escalate and he arrogantly responded that he was the highest authority. And nay the CEO is above him. I asked him to send me a letter reiterating what he said. He refused to do that too because the Executive Team does not do that. 

My credit rating is XXXX and my cards are paid in full monthly. There would be no reason for me to apply for a credit card which has a {$250.00} annual fee except for the miles offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting unwanted phone solicitations from this company claiming to be chase bank to give me better credit options. These calls come on my personal phone during my work hours. The number they called me from was XXXX. They called me 3 different times in the same hour CST today XXXX18. Time 1 : XXXX ; Time XXXX. ; Time 3 : XXXX. I was unavailable working with my caseload when these calls occurred and it was very disruptive to my professional work ethic to be interrupted. I am on the national " Do Not Call '' list.
Product: Credit reporting or other personal consumer reports

I do not have a contract with the current creditors. Please remove the following accounts from my credit.
Product: Debt collection

I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XXXX. I am now XXXX retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only XXXX credit reorting agency. I was also informed that the loan has since been sold to Navient ( whom this complaint is being filed against ) but is being serviced by XXXX XXXX. I contacted XXXX XXXX to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.
Product: Money transfer, virtual currency, or money service

I am writing to complain about how Zelle handled the disputes. Particularly in light of the CFPB. Lawsuit and highlights. Despite using Zelle numerous of times and reporting discrepancies. My financial institution and Zelle failed to investigate my claims. This lack of transparency is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Equifax credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX.
Product: Credit reporting or other personal consumer reports

THIS DEBT WAS PAID IN FULL WITH THE INTENT THAT IT WOULD BE DELETED. THIS COMPANY LIED AND DID NOT FOLLOW FDCPA GUIDELINES ONCE PAYMENT WAS MADE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and Equifax has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to Equifax in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. Equifax must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/scrub>XXXX XXXX XXXXTransunion Attn : Credit Reporting Dispute Department Subject : Dispute of Continuously Reported Charge-Off Status on Account Number XXXX. 

Dear XXXX XXXX, I am writing to formally dispute the continued reporting of a charge-off status on my account number XXXX to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) . Despite this account being charged off, it has been reported with monthly charge-off statuses, which is both inaccurate and misleading. My account number is also listed as last XXXX being XXXX in some instances, and XXXX on others. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is illegal for any credit reporting agency to report information that is inaccurate or incomplete. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. The continued reporting of a charge-off status for this account every month as if it is a new negative mark not only violates these statutes but also severely damages my creditworthiness and impacts my way of life.

The persistence of this reporting error has unjustly affected my ability to obtain credit, secure housing, and find employment, causing me significant financial and emotional distress. Given these circumstances, I am demanding the following actions to be taken immediately : 1. A thorough investigation of my claim concerning the account specified. 
2. Removal of the inaccurately reported charge-off statuses from my credit reports at all three major credit bureaus ( XXXX, XXXX, and TransUnion ) . 
3. Written confirmation sent to me upon the correction of my credit reports.

4. A statement detailing the steps taken to ensure such inaccuracies do not recur.

Please understand that if this matter is not resolved promptly and satisfactorily, I am prepared to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursuing all available remedies under the FCRA, FDCPA, and any other applicable state laws.

I have attached copies of documents supporting my dispute and expect a response within the statutory timeframe of 30 days upon receipt of this letter.

Thank you for your immediate attention to this serious matter. I hope for a quick and favorable resolution. 

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

I am filing a complaint against Cash App. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App. failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I was contacted late last week about a supposed debt I owed on behalf of my company. Never received any documentation or correspondence prior to this debt collector calling the business. Since I had switched banks, it seemed plausible that it may be correct. I have him my email address and told him to email me evidence of what he was saying. In the email he sent with evidence, he said I have 4 days to pay this amount in full before it goes to the credit bureaus as a collection. Thats giving me 1 week to make the payment in full. A payment that I havent even verified I owe yet. 

This seems ridiculous and like a strong arm tactic to try to get someone to pay something they may not even owe. Obviously, if I owe the debt Ill pay it. But not within such a short period. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I have listed the fraudulent accounts I want deleted from my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX was in XXXX XXXX XXXX  The balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my account six times. 

XXXX XXXX XXXX XXXX XXXX balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my credit report seven times with fraudulent information. 

XXXX XX/XX/XXXX account does not belong to me. Duplicate account. I have a Navient account in good standing. This one is not mine. Inaccurate information. 

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. All three Credit Bureaus have closed student loan accounts posted to my credit report.
Product: Credit card or prepaid card

I was charged on my capital one card for an order by some adult store online. I contacted Capital One who blocked the charge and card and replaced my card. 

The following week I received and order from this adult company but I told XXXX refuse it, so the driver took it back. It was NEVER opened and we don't even know what was inside. 

I got an email from this company but. not to my real email but to a XXXX that I have used in the past but do not use all the time. Regardless of this the company admitted to receiving the order back and claimed that they issued a credit. But I never got the credit, because Capital One refused the credit. 

I have now contacted Capital One XXXX times and they give me a different excuse each time. So I guess it is o for an adult store to charge my capital one card and I never got anything? No product or service? That is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted and filed disputes unsuccessfully with XXXX, XXXX, and TransUnion. I have provided them the appropriate documents indicating that an account is paid in full. 

They are refusing to make adjustments and are still displaying false information, willfully at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as requiredunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provideme with any verifiable proof. So, my question comes up again, WHO VERIFIED THESEACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX .... Late dates XXXX, XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ...., Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late dates XXXX
Product: Checking or savings account

I bank with JP m organ Chase bank they close my account with out telling me and I didn't nothing wrong I had a chase prepay card that was economize 5 times in less than 3 month I been with chase for a lot of yeas and the wouldn't tell me why they close it it just ruin my life
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Report Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX  and never had an issue. Then XXXX XXXX  sold to XXXX and they constantly report this incorrectly. The loan is paid off and yet XXXX reported late. I have disputed with Transunion multiple times. XXXX has ignored over XXXX emails and have XXXX customer service!! They have a XXXX  rating of XXXX Transunion needs to remove all lates and update this account to paid in full immediately
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to have this information remove from my credit report XXXX XXXX, XXXX, and experian have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX company as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way