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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent accounts/activity from my report. Thank you
Product: Debt collection

Validation And Cease And Desist Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Caine & Weiner, I received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Under the fair credit act of XXXX U.S. CXXXX XXXX - Validation of debts states you must provide me with the validation of the debt within 30 days. This is the 2nd letter sent requesting the validation of this debt. If you can not provide the validation for this debt by all the things listed below, remove this account immediately off my credit report or I will report you to the IRS and CFPB for violation of my right and will seek compensation. So, please supply me with a copy of any agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practice Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

XXXX U.S. CXXXX XXXX - Permissible purposes of consumer reports Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus have not responded to any letters since XXXX.
Product: Credit reporting

The inquiry XXXX/XXXX/16 from XXXX XXXX XXXX XXXX i did not authorize, all i did was call and get a quote for service. I did not not order service or authorize a credit inquiry, or was i told that one would be ran. I have contact XXXX several times asking then to remove it and was told that it would be but it remains! I have all so contacted Equifax and has been told that i ca n't dispute an inquiry and they can not remove it.I did not authorize the inquiry so remove it.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been notified or updated regarding my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.
Product: Money transfer, virtual currency, or money service

My child support XXXX  will not allow me to access my online account. Every time I call the wait time for customer service is approximately 90 minutes. Money is missing and they can not explain why? There have been several times I know there is money there and my transactions are declined and I can not access my account nor will they stay on the phone long enough for me to dispute my transactions the phone " suddenly cuts off. '' I am beginning to think this is a scam so that people do not have access to their accounts and have no way of knowing where the funds went or report fraudulent activity. 

I will need an investigation into this.
Product: Credit card or prepaid card

Hello : I made a charge with my Chase credit card and cancelled the transaction on the same day. I have the cancellation of the transaction from the vendor. However the charge is reflected on my credit card statement and the vendor and Chase are not removing the charge from my statement.
Product: Mortgage

XXXX XXXX XXXX, loan officer, advised me sign a disclosure stating that I the owner of the home to must pay {$10000.00} at closing and bring my mortgage payment to the table. He told me to stop the automated payment of my mortgage and just bring that amount to closing. ( I have made all my payments on time since 2015 through automated draft ) But I read the documents carefully and it stated that I am NOT to sign anything because the verbal rule is not enforceable. I told Mr. XXXX that I was not going to sign a document stating that I must bring {$10000.00} to closing and he told me that I must sign the document so that it could be negotiated by him. The interest rate that I signed was 2.28 % on the next document he changed the interest rate to 3.1 %. I did not agree to that new interest rate because my current rate is 3.5 %. Then, Mr. XXXX stopped all communications with me and on XX/XX/XXXX a letter was generated and on XX/XX/XXXX ( the day Mr. XXXX told me that was my closing date ) I received a denial letter from New Rez stating that my application was incomplete and they did not loan on those terms. Then New Rez tried to assist a late payment fee in which my documents state NO LATE FEES ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   2017 , I paid Barclay card a settlement. I have a confirmation letter confirming receipt of the settlement dated  XXXX   XXXX ,  2017 . As of  XXXX   XXXX ,  2017  the account continues to show unpaid/collections on my  XXXX  credit report. When I conta ct Barclay card  they said there was nothing they can do about it.     I was advised by my attorney that they are required to update every 45 days, and I am being denied credit due to this account appearing as collections,  despite Barclay car d acknowledging by phone on  XXXX   XXXX ,  2017 , that the account is paid and when I asked them to update the credit bureau they said " There is nothing we can do about it ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these companies certified letters requesting they show me proof of the negative items they are reporting on my credit reports by sending me copies of the original signed contracts that they by law are supposed to have on file before reporting the negative items on my reports.I have not had any responce from the companies and they did not fix anything that is incorrect and never showed me the requested paperwork i asked for.It has been over 60 days since i sent out these letters and i have had no responce.Please follow the law and remove the negative items off of my reports as you have not shown the proof that you are correctly reporting these items on my reports.This is my third time of saying this and reporting that you are not complying.Please remove the items from my reports at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

My info was shared, as well as accounts fraudulent
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID XXXX signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX XXXX Contact Information ]
Product: Mortgage

I refinanced my property with Nationstar Mortgage. I signed the XXXX XXXX/XXXX/15. In the NOTE and the Settlement pages ; says that my firstpayment will be on XXXX/XXXX/15. By the ending of XXXX, I tried to pay onlineand I could n't find my account #. Immediately, I called NationstarMortgage and this was the time that was horrible, frustrated, exhaustedand wasting time I never ever had. After, I called loan officers, differentLoans Managers different Department, Closing Coordinators, ClosingCoordinators Managers and Loan team Leaders, ETC ... .Today 's dateXXXXXX/XX/XXXX and still NOT getting any resolution to this legal matter. 
The last DOC Nationstar sent me by E-mail says and asked me to sign a Doc fora new refinance that I did not authorized. 
See attach,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries, i have no knowledge of. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM Bus Admin 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX XXXX Visa Card issued by XXXX  XXXX has the following rewards : 1. {$500.00} reward dollars ( unexpired, re-issued on XX/XX/XXXX and XX/XX/XXXX ) 2. {$95.00} reward dollars ( expired ). XXXX XXXX representatives has always assured me that expired reward dollars will be re-issued. 

I haven't been using the card because this type of reward dollars was not the most useful thing for me. I was saving the {$590.00} reward dollars for future purchases. 

I signed in to this account on XX/XX/XXXX to get them to re-issue the {$95.00} rewards dollars that expired, something that I routinely do because the reward dollars expire in 6 months. I found out that XXXX  XXXX has closed my account. I did not receive any warning about them closing my account and hence, losing all my reward dollars as well. 

While XXXX  XXXX might have the legal right to close my account without notifying me, I find this practice unfair and unethical. If XXXX XXXX had notified me that my account would be closed, I would have spent the {$590.00} before they close my account. In essence, by closing my account, XXXX XXXX   has saved the {$590.00} they might incurred if I had the opportunity to spend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. {$850.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFRA ). 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 disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Funds Transfer Act ( EFTA ) and regulations E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I entered into an agreement in XXXX of XXXX with XXXX  XXXX  who was managing a debt owned by USAA. At that time I owed USAA for two repossessed vehicles. One vehicle was a XXXX XXXX XXXX  and the other was a XXXX XXXX XXXX. Although both cars were under repossession, only the XXXX XXXX  was ever physically taken. When XXXX contacted me, we entered into an agreement to pay off the one car that was physically still in my possession, the XXXX XXXX. I made it clear to the XXXX agent that I wanted to pay off the XXXX XXXX. At that time she sent over an agreement with only an account number and reassured me that this was for the XXXX XXXX only. I spoke to the XXXX  agent on multiple occasions about the XXXX I was paying off and was never once informed that I was not paying off the XXXX. In XXXX of XXXX I completed our payment arrangement and contacted XXXX. They informed me I was done paying, and I could reach out to USAA to ask for the car title to the XXXX. When I contacted USAA they informed me that the XXXX XXXX  was now paid off, but no payments had been made on the XXXX XXXX. I never agreed to pay the XXXX XXXX  account at that time and only discussed the XXXX XXXX with XXXX XXXX. Since XX/XX/XXXX I have been reaching out to XXXX and USAA and have still received no resolution.
Product: Credit card or prepaid card

US Bank allowed my PA Unemployment Reliacard to be compromised. A US Bank representative allowed an individual to call into their service and request that the email address attached to my account be changed. I was informed by a second individual at US Bank that this is against their policy and that a written request or a fax request must be used to change an email address. 
This individual had US Bank change my account email address to their own. Then this person proceeded to the US Bank Reliacard website and clicked on " forgot username ''. My account username was then emailed to this person. The person then clicked on " forgot password '' and had my account password reset. 
The individual then went into my account and changed the bank routing number and account number then proceeded to withdraw {$1000.00}. Then this individual changed the bank routing number and account number again and withdrew another {$1000.00}. 
US Bank 's security system failed to detect all these suspicious behaviors. This was all done within a short period of time. The two large withdraws were made within 2 minutes. 

US Bank had previous shut off my Reliacard because their system detected a potential fraudulent attempt to use my card number at a restaurant in Florida. US Bank did not close the account and assign me a new card. Instead they just reactivated my existing card. The account was obviously compromised but they did not close the account. 

It seems strange that their system would detect such a small fraudulent restaurant purchase but would NOT detect fraudulent activity when the email address was changed, the website username was requested, the website password was requested, the bank account information was changed twice within 2 minutes and 2 {$1000.00} withdraws were made within 2 minutes. US Bank already had a class-action lawsuit settled against them in California for their lack of security measures such as a chip embedded in their cards. 

I have requested a new card twice and have not received a replacement card yet. It's been over a month and I can not access the money that is left on my account. I no longer have website access to the account. I can't pay any of my bills without the money in this account. I have called US Bank at least 6 times and got nowhere with them. 

I also filed a local police report. However, US Bank refuses to give me the person 's email address that he/she used when changing my account. This information alone would allow legal authorities to try to track this person down. I was given an absolutely ridiculous response that since I do not know the email address that was used, it would be a security breach if they gave that information to me. They were concerned about security when they allowed someone to change my email address without properly verifying whether the individual was the true owner of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

My ex-husband and got divorced in 2015. We had a business together, including a business loan. After divorce was final, I was removed from the loan by the lender. All other credit reporting agencies removed this account from my report except Experian. After being denied a mortgage loan, I found out that Experian was still reporting this, along with approximately twelve 30-60 late payments. I disputed this with Experian and they have now removed it but it should never have happened. It was an error on their part that caused me embarrassment with my bank and also caused me to lose the chance to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Transunion ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Transunion ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.
Product: Checking or savings account

Open in the account XX/XX/2020 with US Bank after paying off a debt I owe to the bank being Ave from the worker bee Branch sure that was there that XXXX I was notified that I can open a bank with them after going to the regulations to verify that I owed with XXXX XXXX and paid off my debt I open an account deactivate my account was closed due to suspicious fraudulent activity is what they said none the less I am being told that it was a third-party investigator investigation company of some sort that I notified under eye can I open an account they took the money that I had in my account and my account has been closed after that do I have to buy money coming from this account has been closed in my name and they expect me to pay off this money