23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XXXX XXXX am XXXX Status : XXXX Amount : {$40.00} Last XXXX of card used : XXXX Type : XXXX XXXX Statement Description : XXXX XXXX XXXX Cashapp case # XXXX, well Cashapp refused to provide any information about the vendor, I informed Cashapp it was a scam & I DID NOT receive a receipt. I informed Cashapp that I was continuing and I still am continuing to receive scam calls from the criminal organization, but Cashapp is a key participant in the scam. Cashapp refused to refund My monies, refused to provide any information about the fraudulent vendor, refused to provide a copy of My complaint. I made a purchase with an AI of {$40.00} to a XXXX organization for resources fo assist in My nephews XXXX battle. I only learned it was an AI voice system that captures your voice for later scams and responds amazingly real. Its similar to XXXX XXXX customer service system, I didnt know when I was communicating with the AI or a Actual Human.
Product: Debt collection

XXXX XXXX, Social # XXXX XXXX XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XXXX, XXXX under the account number ( private ), Credit Card Opened at XXXX XXXX opened XX/XX/XXXX, XXXX XXXX Credit Card opened XX/XX/XXXX, XXXX XXXXXXXX XXXX opened on XX/XX/XXXX an auto loan account opened at XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I ' ve attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information listed on my credit report as provided by your bureau. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable .Accounts in Dispute : XXXX XXXXXXXX XXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Paid Charge Off '' ) Payment Status : Reported as " Payment after charge off / collection '' - this is inaccurate as the account has been paid off. 
Last Reported Date : XX/XX/XXXX ( This is outdated and should be updated to reflect current status ) XXXX XXXX Account # : XXXX Account Status : Indeterminate ( should reflect as " Charged off as bad debt '' with accurate past due amounts ) Payment Status : Charged off as bad debt is misleading as I have made payments towards this account. 
Last Reported Date : XX/XX/XXXX ( This should be updated to reflect the most recent activity ) Capital One Account # : XXXX Account Status : Closed ( the status should indicate " Settled '' given the settlement accepted ) Payment Status : Reported as " Payment after charge off / collection '' which is misleading as it reflects negatively despite the settlement. 
Last Reported Date : XX/XX/XXXX ( Should reflect the current status ) FCRA Violations : The inaccuracies mentioned above constitute violations of the FCRA, specifically under 1681s-2, which requires furnishers to provide accurate information to credit reporting agencies. 
Additionally, under 1681i, I am entitled to an investigation of these disputes and a timely response. 

Compensation for Violations : Due to the inaccuracies and the potential harm to my creditworthiness, I am requesting compensation for the violations : XXXX XXXX XXXX : {$1000.00} ( inaccurate reporting ) XXXX XXXX : {$1000.00} ( failure to update account status ) Capital One : {$1000.00} ( misleading payment status ) In total, I am seeking {$3000.00} for the violations associated with these accounts.US Codes Referenced : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681i - Procedure in case of disputed accuracy I request that you investigate these matters and provide me with a corrected copy of my credit report reflecting the accurate information. Please complete your investigation within the 30-day timeframe as mandated by the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

I had XXXX XXXX on XX/XX/2017 my XXXX XXXX insurance paid my bill there are no other charges due. XXXX hires XXXX to collect money due to their error of billing. They have been paid and verified from XXXX XXXX. Remove at once from my credit report
Product: Credit card or prepaid card

I've purchased the {$500.00} prepaid gift card plus service fee {$5.00} at XXXX on XX/XX/2021. However, I am unable to use this card due to error. I called XXXX ( listed on the prepaid gift card ), they requested me to fax the copies of prepaid gift card front and back, the purchase receipt and my DL, and stated they will call me after 3 business days. I called preaid gift card 3 times, they always telling me that they're investgating and they will get back to me after 3 buiness days. However, I never received the phone call from them. 

Until I spoken with their supervisor- XXXX XXXX he can not provide the last name ), he stated my card was closed due to the register person under this card is not my name- So Weired!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

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,
Product: Debt collection

I was contacted by Ability Recovery Service XXXX XXXX, Wyoming, XXXX XXXX by phone concerning a medical debt from XXXX XXXX XXXX in 2017. When they first contacted me, I explained to them that I am a XXXX Veteran with a service connection rating of 100 percent by the US Department of Veterans Affairs and if they would mail me a statement verifying the debt of {$2000.00} that I would turn it in so the VA could pay it. They demanded that I pay something on it now. I explained to them again that I needed something in writing and updated my mailing address with them so they could mail me a written statement. The person put someone in management on the phone and he eventually told me that they would mail me a statement. After this no statement ever came in the mail and they continued to call me in a harassing manner demanding that I make payments on this debt. I tried explaining again every time they called to mail me a statement. Finally I received a notification from my XXXX  account that they reported this as a negative account to XXXX  and XXXX. I then contacted my credit advisor at XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX and explained what happened and she advised me to file a consumer complaint with FTC. The Department of Veterans Affairs will pay this debt for emergency medical services but they always need written verification of the medical services provided to veterans at civilian hospitals. Also I asked for written verification by mail to avoid identity theft because earlier this year my debit card information was stolen and I had to file reports with FTC and local law enforcement. The actions by Ability Recovery was harassing in nature by the repeated phone calls and vindictive by reporting me to the credit reporting agencies because I was trying to work with them to get this debt paid. Thank you for your assistance on this matter.
Product: Credit card

I have applied for a credit card on the app of Capital one. I applied for XXXX card which has no Annual Fee and when I received the card which is XXXX XXXX card that has Annual fee of {$39.00}. When I called capital one customer service and talked with few agents they said they didn't approve me for the XXXX so they approve for something else that I never applied for and there was no disclosure about the new card before they approve this and sent it to me which came with letter and has nothing about Annual fee. They said they sent me a letter which I never got a letter and asked me if they should send it now! I don't think this is right that they can give me whatever card they want without a disclosure of fees and what I didn't applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages 38 and 39 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report
Product: Bank account or service

Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.
Product: Debt collection

BANK TRYING TO COLLECT AN UNCOLLECTABLE JUDGMENT FROM AN UNREPRESENTED THIRD PARTY REAL ESTATE PROPERTY AND EXTORTING CASH UNDER THE FALSE PRETENSES OF MAP ASSISTANCE, LITIGATING DURING HER LONG XXXX  ILLNESS TIME FROM A XXXX  AND XXXX XXXX SENIOR WHERE HER DAUGHTER WAS PROMISED A ''WORKOUT '' TO DISMISS THE ISSUE THROUGH MAP AS SUCCESSOR IN INTEREST OF XXXX XXXX AND XXXX OF XXXX XXXX Nationstar dba as Mr Cooper is threatening to " sell our house without a hearing '' in XXXX  for an uncollectable judgment for a discharged debt of XXXX, with someone else who has not been on title since XXXX. 

Nationstar is trying to seize an asset of a third person to attempt to collect funds from a debt of a third party who is not on title. 

Nationstar has colluded with the debtors referred as " cons '' by attorneys consulted to swindle funds from a senior who has been inflicted with XXXX XXXX and take advantage of her XXXX to not only threaten her constantly that they " will see her house '' without a hearing but also collected the funds that have been deposited in court for the settlement of all debts in the house. 

This was a transaction originated and offered by XXXX XXXX The title is in XXXX XXXX 's name
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian and XXXX. 

Please delete the following account : XXXX XXXX Account number : XXXX XXXX : {$4900.00}
Product: Money transfer, virtual currency, or money service

I created a business account to use with Venmo. After creating the business profile Venmo froze my account & my funds and told me I cant access my money for XXXX days when Ive been with them over XXXX years with nothing like this happening before
Product: Credit reporting, credit repair services, or other personal consumer reports

Words can not explain how frustrated I am with EARLY WARNING SERVICES! The response that I received from the company is ridiculous! All that I received is an automatic response to my complaint stating " that the fraudulent account was verified ''. Still I have no type of original proof of contract signed between XXXX XXXX and me! or any type of paperwork! EARLY WARNING SERVICES is most definitely breaking the law ( FCRA ). I feel as though they are taking advantage of hardworking citizens such as myself who try their hardest to keep their credit report clean! by continuing to report inaccurate information on my credit file, and tarnishing my name, harming my credit worthiness and adversely affecting me as a person I will take take further litigation action if this company does not Freeze my credit file and remove these fraudulent accounts!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

This complaint is based on my attempt to obtain a conventional home mortgage loan from OneWest Bank, a division of CIT Bank. The loan officer pre-approved me for the required mortgage amount upon submission of relevant financial documentation. I also electronically signed and acknowledged the CIT Privacy Policy. A copy of the same is included herewith. As stated in the privacy policy, CIT does not share personal information with third party non-affiliates. When the mortgage application was sent over for underwriting, I received an additional credit authorization form. A copy of the same is also included herewith. The new credit authorization form requires the applicant to authorize release of personal information to any third party non-affiliate the bank chooses to do so. I was told I can not restrict sharing this information or decline accepting this condition. Based on talking to my legal counsel, it appears this indirect attempt by CIT Bank to force customers to authorize disclosure of personal information to third party non-affiliates may be illegal. I was urged to report this matter to the CFPB for further investigation. Considering the second authorization was disclosed only after the application goes into underwriting, most applicants may in the interest of time provide their consent. I value my privacy and protection of my personal identifiable information. Had to find an alternate lender who never required me to provide a similar third party disclosure consent. My closing was delayed by over two weeks and the sellers insisted I pay for the holding costs resulting from the delay. Would never have proceeded with the CIT Bank mortgage application if they had disclosed the second credit authorization form along with the original privacy policy.
Product: Credit card

I have a billing error and American Express is not crediting my account for my tender of payment I am making. I have 3 accounts with American Express. In XXXX, I endorsed a bill of exchange for each of the these account. An as the holder in due course, I turned the payment coupon I received into a payment instrument as a tender of payment, therefore they are suppose to accept my bill of exchange, if not, the amount tendered is automatically discharge. ( UCC 3-601 - 3-603 ) If my under of payment was not accepted, I was supposed to receive a notice of dishonor but never received that. ( UCC 3-501 - 3-505 ). Instead, I received letters from them stating that have received my payment coupon which has been modified as a payment instrument but they are not going to accept it. It appears that are forcing to make tender of payment for a debt in a a specific form and according to the US Constitution no one can debt a payment of debt in any form but gold and silver and I am fully aware that gold and silver can not be accepted as payment for debt because we are still in a state of emergency since the 1930s. In addition, I am also where that US Government is backed by the credit of the nation, we the people, so I also asked then who funded this account me or did bank did and I never received a response by way of a notice. I am believe fraud is being commit and that I am being swindled and force into paying with gifts via Federal Reserve Notes to American Express every month for my open ended credit account even though I already provided my credit application and the collateral ( Federal Reserve Act Section 16 ) which is sufficient setoff these accounts every month. I also requested over the phone that I receive the Federal Reserve Form 2046 and Federal Reserve Form 2644 know that all banks are requires to fill out these forms for each account with the IRS and they don't want to cooperate. They have been stealing securities and when I try to resolve the issue with them they don't want to cooperate. I also gave them a credit application for in XX/XX/2023 for a platinum card and they denied me. I never got anything in return of equal value of credit application. They claim that I could not be accept at that time because I did not have enough " income '' as if I never gave them anything of value when I gave them the application. [ CFPB 1026.2 ] I can not be denied my own credit [ Equal Credit Opportunity Act and Truth in Lending Act, Fair Debt Credit Practice Act and many other acts has been violated. I have the right to be secured in my person and my consumer rights are being violated in many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Equifax Credit Bureau dated XX/XX/2022 to DELETE this erroneous information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

From XXXX XXXX social security number XXXX on my experian credit report theirs a negative item that's 30 days late the account is not mine it supposed to be removed I have a federal trade commission identify report on file account ending XXXX