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

I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reportsXXXX XXXX XXXX has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.
Product: Student loan

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 Section 604 A Section 2 : My student loans is all paid for. All student debt, loans, fed loans needs to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX/XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I want all accounts removed immediately!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against the 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 Funds 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 card

Citi Platinum Credit Card is horrible. I have been in a dispute since XX/XX/year>. Even though I received a phone call in XXXX from the Management assuring me that the dispute had been resolved and I did not owe anything I received a bill TODAY, XX/XX/XXXX, With a much increased bill to {$120.00} instead of {$84.00}. When will this nightmare end?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to 3 agents this morning. XXXX, XXXX, XXXX all of which are outsourced from the USA. They had difficulty getting information and provide assistance to me. I was transferred 3 times. Each of them put me through multiple questions to identify my of which I have, only to find out they could not help me sign in nor get my results. 
The last agent asked me to send my identification via mail to a Georgia address. I was not comfortable with sending identification my social security card nor license via mail. I asked fir the phone number to this Georgia address. They refused to provide. Equifax is making it difficult to retrieve my own documents and identification theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  promised over the phone to close my account and remove all related information from my credit report entirely if I agreed to settle the account. They assured me there would be no record of the account, allowing me to proceed with purchasing a mortgage. Based on this promise, I agreed to the settlement. 

However, a few months after purchasing my house, the bank reported negative information about the account on my credit report. I contacted XXXX XXXX XXXXXXXX, and they directed me to Experian. Despite disputing the information multiple times with Experian, they have refused to delete the account. 

This situation is now preventing me from refinancing, which puts me at risk of losing my home. 
Account Ending in XXXX XX/XX/year> XXXX XXXX {$000.00}
Product: Vehicle loan or lease

On XX/XX/XXXX we received notification through XXXX informed delivery that Ally Financial had mailed a document to our former residence.The subject vehicle was never registered to that address therefore no communications regarding that vehicles loan should have been sent there. As my wife works in title for a mortgage company she quickly identified this as disclosure of XXXX. I contacted Ally the same day to discuss this and see what there plan was to remedy the situation. They stated they had updated the address and no further communications would be sent to that address. 

This morning XX/XX/XXXX we were again informed by XXXX informed delivery that an additional 2 documents were sent to that same address. After speaking with a supervisor at Ally for a second time we confirmed that both of those documents also contained XXXX. 

As the address these documents were sent to was a rental property we can not confirm whom may have received this information and what they may have done with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, US DEPT OF EDXXXX : XXXX XXXX, US DEPT OF EDXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX and 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 XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF ED : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, U.S. DEPARTMENT OF EDU : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital ones has sited 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 card or prepaid card

I contacted you guys about a card that was lost. I sent in fax with the receipt and ID. They said they were not able to find this card and only the back office can. It's been 5+ days and the back office refuses to call back.

I called in and talked to a manager ( XXXX XXXX ) who was useless. She said just to wait 3-5 days. when I told her it has been 5 days she just acted like there was nothing she could do at this time. Followed up with why, not at this time? She said it was because the office was closed at XXXX XXXX eastern on a Thursday. So I asked if she could follow up on this for me she said she couldn't because of HIPAA. It's hard for me to use the phone due to a medical condition so I asked for reasonable accommodation of having her check on it for me when the back office is open. 
She refuses to be of any help It's bad when your company refuses to help me with a card. let alone refuses to do a reasonable accommodation for a medical condition so I can get access to a card
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. The 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$11.00} ; XXXX XXXX  XXXX Balance : {$3300.00}.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

in my TransUnion report i have 2 fraudulent hard inquiries from XXXX XXXX XXXX and 1 fraudulent hard inquirie from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i sent 2 letters with my informationcopy of my Social Security card , ID, a bill confirming my address which they received and they answer was a letter explaining the identity theft and they put a fraud alert, i called TransUnion and they told me that i have to communicate with the bank and do the investigation, i sent a second letter and they answered the same and i received a letter from XXXX XXXX XXXXXXXX indicating that i must contact the credit agency, the 2 inquiries are fraudulent and still reporting on my credit report after 45 days, i received a letter from XXXX saying that they will not continue with the application and i put this information on the letter and that inquirie is on my credit report
Product: Debt collection

XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
Product: Debt collection

I have been paying on this XXXX XXXX account for 3 years. I have paid faithfully. Now that the actual principal has been overpaid by me, I have offered to settle 2 times. Both offers of settlement have been ignored. The original debt was only XXXX and I have paid almost XXXX to this date. The debt Representative XXXX told me last YEAR that he would not stop the interest on my account unless he was able to contact me by phone every morning before I leave for work. XXXX told me he needed to check to make sure I was working even though I 'm a XXXX worker and only able to work part time. They garnished my daughters bank account last year and received child support. I have asked 4 TIMES for a WRITTEN financial account off fees paid to me mailed to me and XXXX refused. For some reason, these aggressive debt collectors falsely believe that unless they speak to me on my personal phone, then they are allowed to ignore me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX XXXX ) is reporting on my experan and XXXX incorrectly. I have tried working with Experian and XXXX over and over and have also sent several letters. The payments status is incorrect and the remarks are not correct. This is not a collection or charge off. I have never had a loan with this company please get this resolved asap. I want the payment status and remarks corrected. This should not be reporting as derogatory account.
Product: Credit card

in accordance with the Fair Credit Reporting act this creditor has my rights under ( 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose
Product: Credit card

Dear XXXX XXXX, I hope this message finds you well. 

I am writing to bring to your attention a matter concerning my Capital One accounts and to seek your assistance in resolving it. Over the past few days, I have been in contact with your customer service representatives regarding the 6-7 credit cards I hold with Capital One. I have been a loyal client since XXXX with a consistent payment history. 

Recently, while discussing my finances with my finance manager in preparation for purchasing a family vehicle, I discovered that 5-6 of my active Capital One Credit Card accounts were marked as late for XXXX and XXXX of this year XXXX. Additionally, an account from XXXX that was closed during the pandemic and subsequently charged off was also reported as late, despite being settled with your team and assured that it would be removed from my credit report. 

The primary issue seems to stem from a possible miscommunication or delivery issue with my statements. I recently moved from XXXX, MA, to XXXX XXXX XXXX, XXXX, MA, and I have not received statements for several months. Additionally, I encountered issues with my XXXX XXXX  account due to fraudulent transactions, which led me to transfer my accounts to XXXX. 

I have always taken great pride in paying my bills promptly, and this situation is causing significant XXXX. I believe the late payments might be a result of not receiving my statements and other related banking issues, including a recent medical emergency. 

I have already addressed the overdue payments with your customer service team. Given my longstanding positive relationship with Capital One, I kindly request that you review this matter and consider removing the late payment marks from my credit report. Additionally, I would appreciate it if any late fees assessed could be refunded. 

I value the positive experience I have had with Capital One and hope to continue this trend. I would be grateful for your assistance in rectifying this situation and ensuring my credit report accurately reflects my creditworthiness. 

Thank you for your attention to this matter. I look forward to your favorable response. 

Best regards,
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - XXXX {$870.00} XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX  {$1300.00} XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX - XXXX  {$230.00} XXXX XXXX # XXXX - Date opened XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX - Date opened XX/XX/XXXX XXXX XXXX {$870.00XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX - XXXX  {$940.00} Unauthorized inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and found accounts that did not recognize, please remove them from my account immediately.
Product: Payday loan, title loan, or personal loan

I started a case study with a company called XXXX in 2018 in that arrangement I an about 400 other people were to pay United consumer financial services XXXX a month and in turn XXXX would mail us a check for the same amount each month XXXX has not paid anyone since XXXX as they are a ponzi scheme I have spoken to ucfs and asked there representative to fogive our loans as a result of this but they have not taken any action since I let thme know about this in XXXX my account number with them is XXXX and the person working on the XXXX case study particiipants is XXXX XXXX extension XXXX please help
Product: Debt collection

jhpde is a debt buyer who purchased my XXXX account. The account was listed in a Ch7 in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a XXXX point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.
Product: Mortgage

I was being harassed and had called to be taken off the call list. After expressing that I did not wish to apply and that I was XXXX and it was too high stress the lender coerced me into giving out personal information and allowing a hard credit pull. I asked it be removed because I was coerced and it felt wrong and I had never been given information or anything and was told nothing was done incorrectly and that I had allowed it after several no 's so it's okay. This type of behavior is incredibly predatory. I had simply requested the credit pull be removed as a result of the lenders behavior.
Product: Debt collection

I never received notification of debt and never received information about disputing debt and never received verification of debt either. Delete off my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX states There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, and XXXX, and Early Warning Services are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it consumers and to protect the security and confidentiality of those consumers nonpublic personal information. XXXX XXXX and XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX, XXXX XXXX XXXX XXXX, and the consumer reporting agencies XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial Institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer report containing any of the following items of information any adverse item of information other than records of crimes antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law.

15 US code 1681-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to purposes listed under section 1681b of this title. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Early Warning Services are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.