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

I have 2 prepaid Visa cards. the expiration dates on the cards is XX/XX/23. Went to site on the card PREPAIDCARDSTATUS.COM to request the cards to be reissued ( which can be done up to 12 months after expiration ) I get the response " The card you are attempting to access has expired and has passed the eligibility period for access or replacement. ''
Product: Debt collection

XXXX car and home insurance premiums have been payed for several years on autopay from our checking account. When we moved, we kept the old account, and they continued to be paid that way, including the home insurance on the new home. Once our cars ' insurance went to a new XXXX company, it was fine. We don't know why, but the auto withdrawal did not happen in XXXX. They sent a bill in XXXX. It was cleared up, and they got paid via autopay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX dollars and XXXX XXXX cents {$180.00} Details Statement Description : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID XXXX Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : negative XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents {$150.00} Details Statement Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Type : Debit These are either the car OR home insurance. We know we owe for the one it is not. We called, told them autopay is still OK, but they are not paying THEMSELVES, they are welcome to be paid with autopay. 

It is really kind of silly. 



Received Collection notice dated XXXX  for {$240.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I was sent a loan for {$800.00}. I paid 4 payments of XXXX since then. It still says I owe over {$790.00} dollars of principal. They are also not licensed in Washington State where I live. I was not aware of the high APR rate nor is this legal in my state. There is also no record of payment history made available on their website, so one can not see the record on their end. However I have the bank transactions.
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 violate 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 Transfers Act ( EFTA ) and Regulation E. These actions have caused financial loss, and so I seek proper redress for these violations.
Product: Vehicle loan or lease

Was a car loan labeled as a retail installment contract and security agreement but I found it was really a credit application 15 USC 1692e misleading representation 15 USC 1692J False and deceptive 15 USC 45 Unfair methods of competition 15 USA 1605 15 USC 1602
Product: Debt collection

I was served at my home to appear in court but I was never given any notice that legal steps were being taken against me for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems and XXXX ( XXXX ) are in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I the consumer have never given explicit written consent for XXXX ( XXXX ) to " communicate '' or chexsystems to furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished. 

I demand Chexsystems and XXXX ( XXXX ) cease and desist pursuant to federal law 15 usc 1692c ( c ). XXXX ( XXXX ) and Chexsystems are in violation if the account is continuing to report and XXXX ( XXXX ) and Chexsystems do not have permissible purpose to report this account pursuant to XXXX XXXX XXXX. 


Immediately remove the XXXXXXXX XXXX with account # XXXX with a balance of {XXXX}.
Product: Credit reporting or other personal consumer reports

M & t Bank. They used to hold my mortgage before it was bought by someone else. After my injuries became so severe I could not work, and in between the time I started my VA claim and the time I was awarded 100 % with the VA, my mortgage was late. It was 30 days late. And then it got paid every month, without missing another payment. This is called a rolling 30... When you get 30 days behind and no more. This company are recording that the account went 60 and 90 days late which is an absolute lie. I dispute it, and the credit bureaus come back in less than 24 hours saying they have completed the dispute and the information is accurate. That's not even time to do an investigation. I know for a fact this loan was never 60 or 90 days late, not even once. The mortgage company refuses to prove their claims, and the credit bureaus refused to make them prove their claims.

Account number for mortgage company is missing last four digits, as entered. For some reason, the credit bureaus are hiding my own account number from me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$24000.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I just find few hard inquiries on my credit report which is not authorized by me. Name of the companies are XXXX ) XXXX XXXX, XXXX ) XXXX, XXXX ) CBNA/THD
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I pulled a copy of my Experian consumer report and noticed some items I would like to dispute. They are as follows : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 

Creditor : XXXXXXXX XXXX XXXXl Account Number : XXXX Balance : {$19000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 


Creditor : XXXX Account Number : XXXX Reason : This account was reported without my written consent and therefore is a result of identity theft and the XXXX late payments should be deleted. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer and the XXXX late payments reporting should be updated to paid on time, never late XXXX the entire account should be DELETED.
Product: Debt collection

Hi, Ive be found to be a victim of identity theft/ fraud however I obtained a police report for the following issues. 
However I have a pending mortgage and Im unable to move forward with this issue on my report, I need this remover immediately Ive been in contact with jefferson capital on several occasions only to reach dead ends every time, it has been over a month and still Im just waiting. Please help me get this issue resolved. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just  to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as XXXX, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX   ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please help!
Product: Debt collection

account XXXX account balance : {$330.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt. 

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I do not know who this collection agency is are I have never been in agreement to work with them.
Product: Debt collection

XXXX XXXX XXXX Social : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers? 

XXXX. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 
2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation XXXX. ) They have now chosen to harass and cause me XXXX  not only XXXX XXXX XXXX XXXX XXXXXXXX XXXX but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. 
Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? 

Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated
Product: Checking or savings account

Over draft fees. I was advised they could be waived as a courtesy due to employment situation. I have a financial hardship with {$230.00} of fees on a balance if {$320.00}. Im a long time customer with Wells Fargo and they always say theres nothing they could do
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have not resolved my dispute issues. They are still reporting multiple inaccurate collections and accounts. Equifax has not added my current capital one accounts that they removed inaccurately. I had 3 credit accounts with capital one that equifax removed on purpose to mess up my credit. I have called to rectify this issue and the agent was impossible to work with. He would not answer any of my questions and refused to assist me. This issue has still not been resolved. They removed accounts in good standing and left an account that was inaccurate from XXXX XXXX on my credit. They also left several accounts from XXXX XXXX  on my account that were inaccurate. XXXX and Equifax are both reporting the number of collections and amounts inaccurately. Neither have done investigations to properly verify and validate the accuracy of these accounts. XXXX is the only credit report that is currently reporting accurately. They found these midland accounts to be inaccurate and have removed them from my reports. XXXX and Equifax, please be advised that each inaccuracy will cost you up to {$1000.00} per inaccuracy. If this is not fixed immediately, I expect to hire counsel and collect on these amounts from the both of you. XXXX is accurate, XXXX and Equifax are not reporting accurately and they are not conducting investigations of disputes properly, because if they were, these collections would have been removed like they were with XXXX, and Equifax would have never removed my three positive good standing accounts with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not make any of these inquiries. Ive been on XXXX for XXXX years, so I know I can not receive credit without a job.
Product: Mortgage

I have requested on several occasions, verbal & in writing, to have the PMI removed from the mortgage on my home. The LTV has been below the threshold for several weeks. The response has consistently been unless a XXXX is provided, the PMI can not be removed. Mind you an appraisal dated XXXX has been provided. First request was made on XXXX. 
I have confirmed with XXXX XXXX, the investor, that the appraisal will suffice. 
The servicer, XXXX XXXX, refuses to do so without a XXXX  being performed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft
Product: Credit reporting or other personal consumer reports

I placed a Security Freeze on my Lexis Nexis/XXXX XXXX Report back on XX/XX/XXXX. If there is a Security Freeze placed on my consumer report, then Lexis Nexis does not have the authorization to share my consumer report or any information on my report with third parties. On Tuesday, XX/XX/XXXX, I received a credit denial letter from XXXX stating that they obtained information from one or more consumer reporting agencies as part of their consideration of my application. The notification listed LexisNexis Risk Solutions Bureau, LLC and XXXX XXXX XXXX as their sources of reporting agencies. I have attached two documents : Proof that my Lexis Nexis Consumer Report has an ACTIVE SECURITY FREEZE since XX/XX/XXXX and Proof that Lexis Nexis/XXXX were listed as sources of consumer reporting agencies that provided my report under an ACTIVE SECURITY FREEZE.
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, defamed my character and caused me great emotional and physical stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

For the other accounts : 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX  - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX