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

XXXX XXXX auto finance, is violating my rights by changing remarks, amounts owed, balance manipulation, each month they are changing statuses, ultimately making newer derogatory remarks, as of XX/XX/2022 they are reporting a new charge off, this was charged off 3 years ago, and account is XXXX XXXX XXXX, now they are reporting a balance of {$1.00} to XXXX. This is moving my score up an down negatively, please remove this account from 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 confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

My available credit keeps going down because they are double charging me. I've contacted them two days in a row and asked them to fix it and they just keep saying it's updating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hello, It all happened on XX/XX/2019, I was buying and selling bitcoins via XXXX, the bank where I was getting paid every time I sell the XXXX  was a debit card ( Capital one 360 ) but they paid me via XXXX to that account. after like a week of selling I found that my account was block and the money in that account was freeze, I called the bank to find out what was going on and they said that I will get a call from the fraud department. 

After two days they call me and ask some questions about the account I couldn't hear pretty well because I was working, It was loud where I was located. I decided to called them back after and that is when they told me that some folk dispute some money that I got via XXXX. 

I explain them that it was a payment from XXXX  that I sell to him they just didn't hear me at treat me like fraud, I told them I had proof and everything to show them that I was not a fraud and that my money was getting stole, they just did not hear me and decided to send the money back at least that's what they said to me. 

I found out they report me to the Credit bureaus and I just didn't know what to do at the time until know, please help me with this matter I still have proof and everything you may need to show that I am not fraud, they took my money when I really need it in that moment, They just did not protect me and pretty much help the thieves get my money.
Product: Credit card or prepaid card

I applied for a Chase Sapphire reserve credit card. 

In spite of my longstanding and impeccable credit payment with Chase as an existing customer they pushed my credit application to a 1 to 2 week review process. Upon further inquiry I was informed after submitting my application that Chase ( upon pending approval ) is going to be pulling credit limit from one of my other Chase credit cards to use towards the Saphire Reserve Credit card that I had just applied for. Chase made no mention prior to the submission of the application that this approval would be contingent upon reducing the credit limit of one of my other credit cards to be used towards the new credit card. I had no way of making an informed decision about this application with regard for the aforementioned. The addition of this new card would not be decreasing my credit utilization ratio as I had thought it would be. These application stipulations should be brought to the attention of the consumer prior to completing a credit application. 

In short I blindly applied for a Chase credit card and had a hard pull on my credit report. Had I known they were going to be reducing the credit limit of one of my other credit cards, I never would have applied for their credit card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Open/Closed Account Type auto loan Balance {$2800.00} Date Opened XX/XX/year> filed a lawsuit against Experian for not notifying consumers of the dispute outcome and other reasons. They have not removed this error off my credit and it is effecting my credits score. I want this matter taken off my credit report. It isnt my debt and i have submitted proof several times to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a {$410.00} unpaid debt to XXXX XXXX. I contacted them, who said it is a XXXX account and that XXXX is in charge of the account. I contacted them and was informed it was in collections. I contacted the Collection Agency who said there was no record of this account and to contact Experian. This a fraud account from XX/XX/XXXXfor XXXX service at a Michigan address. I have been XXXX XXXX military since XX/XX/XXXX, and in XX/XX/XXXX I was stationed in California, so there is no way this account was mine. In XX/XX/XXXX I became aware of this and filed disputes with all 3 credit bureaus. XXXX and XXXX removed it from my credit report in XX/XX/XXXX, but Experian is still reporting it. I need this removed from my credit report.
Product: Checking or savings account

My card has been compromised several times the last time I went to the regions branch to receive a new card, the card that was automatically sent out sat in the same envelope it came in, XXXX  XX/XX/24 received notification that someone tried a transaction on this card that was never activated on my account, several hours later my active card was compromised, it would seem the bank is compromised from inside, I would like them to perform a security audit as this is a major breach for a failing bank
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 XXXX as they did not comply with or re XXXX re direments under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear Experian IdentityWorks Team, Re : Identity Theft Report and Credit Report Correction I am writing in response to your recent letter requesting documentation to support my claim of identity theft. I appreciate your efforts to verify my identity. 

As an existing customer of Experian IdentityWorks, I would like to remind you that my membership is a result of the data breach with XXXX XXXX. I have previously worked with an Identity Theft Restoration Specialist assigned to me by Experian, who has handled multiple cases on my behalf. 

To further support my claim, I am attaching a new Identity Theft Report, which states that all the inquiries on my credit report were due to identity theft. I request that you take immediate action to correct my credit report. 

Specifically, I request that you omit every single inquiry from the date of the last inquiry removal until the present date, [ Current Date ]. I allow four days, as permitted under the Fair Credit Reporting Act, for you to block all said inquiries from my credit report. 

I would like to emphasize the significance of this correction, as the inaccuracies on my credit report have severely impacted my life. I have lost opportunities to purchase a home, acquire a car loan, gain custody of my children, and even secure my own place of dwelling. These setbacks have caused me significant emotional and financial distress. 

As you are aware, the Fair Credit Reporting Act provides protections for consumers like myself who have been victims of identity theft. I am confident that your company values accuracy and fairness in credit reporting. I hope we can resolve this matter amicably and promptly. 

Please confirm in writing once this correction has been made. If you require any further verification of my identity, please let me know. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX... 

To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report. 
XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me. 


I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately. 

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within XXXX days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit card

I wanted to open a credit card with Wells Fargo to get reward points at XXXX, my most used place of business. My other cards do not allow membership reward points there. Wells Fargo denial me although I have an XXXX XXXXredit score and under {$600.00} in charges on other card ( s ). I own my home. XXXXXXXX XXXX XXXX company I had for years, did close their account with me due to inactivity. I am XXXX yrs of age and did not give Wells Fargo another name to add to the card I applied for, thus making me liable for all charges. 

Last week, I applied for a XXXX XXXX card and received approval instantly. Credit limit was only {$250.00} but that was enough for me to get the 20 % I wanted for a purchase. 

I really don't need credit as I have adequate funds, but I do like saving where I can. 

This is certainly a case of age discrimination! Please look into this matter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

PHEAA 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. PHEAA should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

XXXX  is still investigating this also, which tells me that PHEAA was prematurely assuming it had done nothing wrong without properly investigating. CFPB, PHEAA is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to PHEAA deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. PHEAA did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.
Product: Mortgage

My name is XXXX XXXX. I am a customer of Freedom Mortgage. My loan number is XXXX. After reviewing my recent mortgage statement I saw that the price had increased. I called Freedom Mortgage to ask why and they stated that it was due to an escrow shortage. The shortage is due to Freedom Mortgage paying XXXX money from my escrow account to another XXXX Policy Holder. 

This shortage is a result of discrepancy between Freedom Mortgage and my home owners insurance policy holder XXXX. XXXX XXXX is the Senior Premiums Receivable Specialist at XXXX. She reported to me that Freedom Mortgage sent a check to XXXX for {$1000.00} on XX/XX/XXXX. The check number was XXXX, attached t that account number was a policy number of XXXX and a loan number of XXXX belonging to someone named XXXX XXXX. 

Freedom Mortgage then sent another check ( XXXX ) for the same amount on XX/XX/XXXXwith the XXXX Policy number belonging to XXXX XXXX but with my name and my Freedom mortgage loan number. My only policy number XXXX was not on the check or payment stub. A review of the account for XXXX XXXX shows that on XX/XX/XXXX a refund of {$1000.00} was issued and cashed. 

I have attempted to contact both parties to remedy this. Freedom Mortgage has made the mistake of paying XXXX to cover another account out of my escrow account. However it is my belief that insurance companies need to make requests for these payments from mortgage lenders so I am not sure which one of these companies are at fault. What is clear is that my wife and I are a victim of this mistake and I would like for the consumer protection bureau to investigate this for me as I have been asked to continue to pay the increased mortgage amount and no one has guaranteed that this money will be returned to my account. Another concern is the ease as to which the name and policy number of the person who received the over payment was given to me.
Product: Credit reporting or other personal consumer reports

In XXXX I call Equifax because my mortgage broker wanted to check my credit report, but they told me there was fraudulent on my account. So I called Equifax they told me I needed to mail my information to update my address okay so I did I mailed them my driver license, cover letter, 2 Utilities bill thats all they told me. I call again 2 weeks later they received my information and this time they told me my date of birth was wrong on Equifax on there system its says I was born on XXXX. But I was born in XXXX. So I mailed the information again some documents and I also got a tracking number on it to make sure they received it. Now calling some time in XXXX there saying they received my information but they need documents birth certificate, tax returns, rental agreement, cover letter, driver license, utilities bill, and paystubs, So mailed these information for the third time they received it but now the issue was they needed my social security. Now this is the fourth times mailing them all the information they need to take the freeze on my account. So I called today XX/XX/XXXX they received all my information including social security and I also informed them I made the print large. Now they are telling to resent my driver license because the print is blurry. If I do send it ; it will be my fifth time mailing them information. I dont understand why didnt they tell me what all they needed from the first call I made.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very  serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 violate the customer service financial protection Act ( CFPA ). Specifically, cash app I failed to take the timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and defective, as they did not comply with air resolution requirements under the electronic fraud transfer Act ( EFTA ) in regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i SEND A LETTER TO TRANSUNION ON XX/XX/2020 AND THEY ARE USING TACTICS, DONT WONT TO VERIFY THE DISPUTES SAYING THAT THE LETTER CAME FROM A CREDIT REPAIR COMPANY WHICH IS NOT TRUE.THIS HOAX NEED TO BE STOPPED AND CONTINUE WITH THE PROCESS OF VALIDATING MY REPORT
Product: Debt collection

I have requests and updates on the attached XX/XX/XXXX letter from Chase. I am requesting a copy or at the least a summary of details of phone call reflected in letter on XX/XX/XXXX from XXXX. I am also requesting a copy and at the least a summary of details of the outbound phone call on same day. The phone number was never mine. 
In the attached, Chase requested list of fraudulent charges. The fraudulent charges started XX/XX/XXXX of {$450.00} to XXXX XXXX and all others after that. I was recovering from XXXX and faithfully making payments and not incurring any more debt. The fraudulent payments started one day after my payment on XX/XX/XXXX of {$220.00} on XX/XX/XXXX of {$2400.00} and made by phone. My payments were always on the web. Additional fraudulent payments were then made to circumvent Chases payment policy to exceed the credit limit up to {$12000.00}, {$5100.00} MORE THAN CREDIT LIMIT! 
Chase exacerbated the problem by not removing payments and charges. Then Chase charged off the card. I wanted to keep my card, continuing making payments on my debt. But now I dont have the {$5900.00} that was my portion. I am almost XXXX and dont have that money laying around. This problem was started by theft and fraud and view the {$5900.00} as fraud also. I had asked for return of cards but Chase isnt able to comply. What can be done? What are the options because my credit should be restored? Drastically discount the amounts due? 
Chase welcomed me to contact them to give fraudulent charges. Calling Chase is very difficult and it has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Chase to call the consumers when Chase is not so overwhelmed? My number is XXXX.
Product: Credit reporting or other personal consumer reports

I sent credit disputes to all XXXX credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX of inquiry XX/XX/2020
Product: Debt collection

No mail has been received, however multiple phone calls have been received by modern adjustment Bureau after I revoked my consent to be contacted, which under the fair debt collection practices act is a violation and can come with up to a {$1000.00} statutory damages award. If need be I will provide call recordings and transcripts. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX