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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I received a check from one of my retirement account providers on the morning of XX/XX/2021. 

I used the mobile deposit process to deposit the check and Chime declined to deposit the check stating the following : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or the remitter not being able to verify the details on the check... " This email makes it clear, in unambiguous language that someone at Chime reached out to the issuer/remitter of the check, i.e., my plan manager, to verify the check details. That, as it turned out, was a bald faced lie. 

I called my plan manager and specifically asked if someone from Chime had reached out to them to verify the details of the check they issued to me and the answer was a resounding " No! '' He also told me that should I contact Chime, he would be happy to do a three way call to confirm the legitimacy of my check, an option I was not offered by Chime. 

I called Chime and brought this to the attention of their customer service department and, even though they escalated my complaint to a manager, even though I specifically read the contents of their declination email, and related the conversation to my retirement account manger to the customer service agent, ultimately I was told that they would not give me any information about their decision making process. 

I asked to know what process they used to determine the legitimacy of a check. I specifically asked why they had not, as stated in the email, reached out to the issuer/remitter or perhaps if they used a service like XXXX, a company with an utterly horrible reputation for placing random, false information on a consumers record, declining to deposit or cash government/financial institution checks. The customer service agent declined to answer that question. At that point, I stated that Chime 's email to me stating their " reasons '' for declining to deposit the check seemed, at minimum to be a lie and at maximum, fraud. How these decisions are reached should be completely transparent between financial institutions and their customers. That this is occurring when so many people are in financial dire straits is unforgivable.
Product: Credit reporting or other personal consumer reports

There are three addresses that are being shown as connected to my social security number. They are XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX. XXXX let me know that they are all connected to Capital One but Capital One is saying the last one they don't see as connected to me. I have never lived at these addresses ever and XXXX has removed them from my report but told me I should contact you guys to let you know.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Data Breach XXXX  confirm and remove all unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries.

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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

12 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

LVNV Funding provided a debt validation letter but then proceeded to start the owed date on the date of their response. This is a violation of my right.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA XXXX XXXX has violated my rights. 

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Transunion keeps reporting XXXX XXXX loan as derogatory loan and part of XXXX  XXXX BK when it was not included in the BK and was in fact paid in full. The account was paid in full and not included within any BK.
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 confidently under 15 U.S.C. 1681. 

XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account XXXX Dept of ED/XXXX Account XXXX DOE XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX
Product: Consumer Loan

Equitable Acceptance, XXXX XXXX XXXX, MN XXXX XXXX Toll Free XXXX I contacted this agency regarding assistance with repaying my outstanding Student Loans. I was informed that they would assist me in developing a repayment plan. I was emailed the documents to sign and return. Then they requested my Tax Returns for the past 2 yrs. be faxed to their office. I completed the process and then was informed that my payment was $ XXXX/mo. that would be deducted from my bank account at XXXX. I then received a statement stating that I owed {$1200.00} which is not my Student Loan Balance Owed. I contacted this company to cancel this transaction and was told that none of the monthly payments were going toward my Student Loans and that they had purchased my Student Loans from the original lender. I then contacted the original lender and was informed that they still are holding my Student Loans and they were never sold to this company. Equitable Acceptance is a loan company that is misrepresenting their products to students and getting them to take out loans thru their finance company. I did not request a loan with this company and was given false information regarding their service to people with outstanding Student Loan Debts. I want them to refund my money back and to be shut down from soliciting business on the radio to people with Student Loan Debts seeking assistance with a repayment plan to resolve their Student Loan Debts. I have been tricked into taking out a loan with a finance company that is not providing any assistance to me with repaying my Student Loan Debt. I want this loan cancelled and a full refund of my money. This was a horrible thing to do pretending to be a servicing agency to help people with outstanding Student Loan Debts. Thank you in advance for your time and assistance with this critical matter. Account Number # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Unauthorized Inquiries Dear Equifax , the purpose of my letter is to dispute the following eleven inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
Dept Of Education/XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times. 

Also my name, all the incorrect spellings of my name needs to be deleted.I have tried to dispute incorrect address, and /or addresses that I have never lived at! I've tried to dispute them many times.

Also my name, all the incorrect spellings of my name needs to be deleted.
Product: Mortgage

Re : Specialized Loan Servicing , LLC ( " SLS '' ) In an effort to do a Short Sale on a property that my XXXX year oldmother owns, SLS, has scheduled an auction of the property forXX/XX/2015. We have submitted all requested documents andwere initially told that consideration of the Short Sale process wouldproceed. Upon calling SLS yesterday, my mother was informed that SLShas decided NOT to go ahead with considering the property for ShortSale because we are too close to the auction date. We currently have aCASH offer for the house and are seeking postponement of the sale datein order to be considered for a Short Sale.
Product: Money transfer, virtual currency, or money service

I have not had access to my account for over one month. On XX/XX/18 coinbase disabled my ability to place buy orders on their system, and consequently blocked me from being able to log into my XXXX account. I have several thousand dollars that are inaccessible to me, with no explanation from coinbase as to when I will receive access to them. I have spent multiple hours on the phone and sent numerous email correspondence to the company, only to be given very limited information that they are behind, and my case has been escalated. Customer support is rude, dismissive, and often hangs up on customers. This company has no regard for any sense of professionalism and has held my money against my will for an unacceptable amount of time. In response to a previous complaint made on CFPB, coinbase also blatantly lied by saying that I can access my funds at any time. Once again to be clear, I have thousands of dollars I am unable to log in to see if they are even still in my account on XXXX, let alone withdraw them. At this point I do not know if my funds have been stolen by employees and some sort of fraud is taking place.
Product: Debt collection

The debt collection company is Orion Capital. The collector who was calling non-stop is XXXX XXXX. He repeatedly called my personal phone, and then began calling my work number. My co-workers told him he was not allowed to contact me at work, and when he would not stop, one of them, on XX/XX/year> told him I no longer worked there. He responded with, " Well, she did last week! ", and when she told him he had been repeatedly asked not to contact me at work he would not stop yelling at her, so she hung up on him. He immediately called back and asked to speak to MY SUPERVISOR!!! My co-worker told him that anyone who works here is going to tell him the same thing, it's a state office, he's not allowed to call here. She hung up again, and he called back a third time, all within a ten minute time frame, and he said he would keep calling over and over again because he had " all day ''. I told my co-worker to get his name and number and I would call it when I finished with my client. Before I called the number, I noticed that XXXX XXXX had left me a voicemail and in it, he said he didn't appreciate being hung up on that I was rude and that he would be calling back to talk with my supervisor. ( So, I have voicemail proof and witnesses to his collection practices ). When I finished with my client, after having been thoroughly embarrassed at work in front of all of my peers and the client at my window, I called Orion Capital and spoke with HIS supervisor, and told her everything that he had been doing. I explained it is not legal for them to call me at work, harass not only me, but my co-workers as well, OR talk to my supervisor or anyone else BUT me about any debt that I might owe. I asked her to send me communication via mail only, and that I would be happy to look at it and see what it is, and what they were offering as a solution, if I did owe the debt. I told her that I wanted XXXX relieved from servicing my account, and if anyone from Orion Capital called my workplace again, and/or if I happened to lose my job, I would obtain legal counsel. The supervisor 's name was XXXX XXXX, she was very apologetic, promised that nobody would contact me by phone again, and I would receive mail communication only from this point forward. I am complaining here, because if this is standard practice for this company, they need to be stopped!! They do not need to call incessantly, threaten people, harass them, or talk to others about someone's debt. People should not be subjected to that kind of stress, XXXX, and personal embarrassment just because they may or may not owe a corporation money. Nobody should have to deal with this kind of collection practice. Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. And, still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Personal Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any address other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inaccurate accounts XXXX. The balances are in flatted on accounts. 
XXXX. The date of the Last Activity are inaccurate. 
XXXX. The date Opened are inaccurate. 
XXXX. The Closed Date is incomplete on accounts. 
XXXX. The Dispute Status is incorrect. 
XXXX. The Payment History is incomplete and inaccurate. 

XXXX XXXX XXXX XXXX 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 Also I do not or have not done any business or have an open account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please take the time and consideration to remove the incorrect information from my credit report XXXX within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Arizona XXXX
Product: Debt collection

I am writing to formally dispute the reporting of certain collection account on my credit report that I did not authorize or contractually agree to. Caine & Wiener account number ( XXXX ) This account was reported without my consent, and I demand its immediate removal as they are inaccurate and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since I never entered into any contractual agreement with these collection agencies, I dispute the legitimacy of these accounts and request that they be deleted from my credit report immediately. 

Furthermore, I am issuing a formal cease and desist notice to any and all collection agencies attempting to collect on these disputed accounts. Under the FDCPA, I have the right to request that all collection efforts, including phone calls, letters, and reporting to credit bureaus, immediately cease. 
Any further attempts to collect on these unauthorized accounts will be considered a violation of my consumer rights and subject to legal action. 

I have already attempted to resolve this matter with the credit bureaus, but they have failed to provide sufficient verification proving the validity of these accounts. If these collection agencies can not provide a valid, signed contract demonstrating my authorization, they are in violation of federal law and must remove these accounts from my credit file. 

These inaccurate and unauthorized accounts are severely affecting my creditworthiness and financial opportunities. I request that the CFPB take immediate action to investigate this matter and ensure the removal of these accounts from my credit report. Please provide written confirmation of the actions taken in response to this dispute. 

I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I have been a customer with Speedy Cash XXXX loans online for several years. Then I experienced a sickness and had to extend my payments and I paid the loan off the end of XX/XX/2023. Then, I attempted to apply for another {$500.00} ( payday ) loan and the company told me I had to wait 60 days. I waited the XXXX days and today ( XX/XX/2023 ) then, I applied again today for a payday loan and all of a sudden the company denied my application again, all of my information has been the same for the last XXXX years when Speedy Cash has been approving my payday loans. 

Then all of a sudden the company is telling me they can not verify my banking information. That doesn't make sense because the information has been the same in the previous XXXX years when, I would applied and was approval for a loan. 

Now my spouse and I can not share the same banking account. Therefore, they deny my application and I feel the company has discriminator against me. I was referred to Speedy Cash by several friends that share the same banking account with their spouse and Speedy cash has approved their loans for years but, they are of other ethic groups and that is why I am complaining about been mistreated.
Product: Credit card or prepaid card

Wells Fargo has notified me of XXXX and XXXX fraudulent charges. I asked them to. Lose card. They read a closure telling me they are transferring it to a new card. 
I went through the same thing months ago with Wells Fargo and closed the card however they reissued a new card.
Product: Debt collection

I had an appointment with XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX for a sleep study. They told me the co-pay was {$35.00} and i paid for it on my CC. Months latter they billed me for {$160.00} additional co-pay. I called and they lied that my insurance company gave them the wrong co-pay. My insurance company says they did not make an inquiry about the co-pay. I think they drum up business by lying about the co-pay in hopes they can use the term " uncovered services '' threaten collection. If they had told me the co-pay was {$200.00} I would not have done the sleep study. I have disputed the debt on my credit bureaus twice and they keep validating it. The charge is not for " an uncovered service '' they I am obligated to pay. It is for an item I paid when the service was delivered that they mis-quoted the co-pay amount. It is not for another service that was not covered. The collection agency they are using is Forestrecvy and they opened the case with the credit bureaus on XX/XX/XXXX a year since the last transaction between us has occurred.
Product: Debt collection

I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. These are the certified mail tracking numbers XXXX along with numerous of other attempts to remove this invalid debt.