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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Vehicle loan or lease

My vehicle was repossessed after being late on my payment by a month during a global pandemic.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a welcome letter from AMERICAN EXPRESS and had never requested a credit card. I called them and they sent a letter to my attention, acknowledging this. As I have credit monitoring, I then noticed another inquiry for XXXX which again was a fraudulent inquiry. Both inquiries took place on XX/XX/23. I received a letter from both credit card companies since then, locked down my credit, however the two inquiries are still on my six months later.
Product: Mortgage

I have made two payments this month to my mortgage company through my online banking at XXXX XXXX XXXX. My mortgage company is Nationstar / Mr Cooper. Both payments have been rejected by the lender and returned to my online banking account. I havent been able to get them to mail me statements for over a year despite repeated requests so I have had to go online to their website to see my statements. When I logged on this evening I was greeted with a message saying my mortgage has been transferred. There is no information about where it has been transferred to, nor have I received any notice regarding the transfer. Can they do this? 

Additionally, there is a statement online that says my payment which is due to them, will be past due on XX/XX/XXXX! Yet they have returned my payments TWICE this month! 

I need help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

I'm leaving this link to give you the current best information available about the situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have an online checking account through XXXX  XXXX  Juno and it's banking partner XXXX XXXXe XXXX has frozen all user accounts tied to the brokerage firm ( XXXX  ), leaving me without access to my only checking account with ~ {$1600.00} and only way to pay bills ( in fact, my first car payment on my new car loan was reversed ). Fortunately, I was able to open a new account at XXXX quickly enough to change my direct deposit before my next pay day. Many others were not so lucky. 

Juno advertises that funds held at XXXX are covered up to {$250000.00} through FDIC. Some months ago, they informed us that XXXX may begin also spreading our money through several money market accounts (? ), which would be covered through XXXX up to {$500000.00}, allowing us to opt out by emailing XXXX  Directly. 

This leads us to believe that our funds are safe. What they don't tell you is that those regulators can only step in if the banks holding the money go under, per the Federal Reserve 's statement in court quoted in the above article. Just as the XXXX entities I've trusted with my money are pointing fingers at each other attempting to assign blame with no real progress on getting me access to my funds, regulators are also pointing their fingers at other regulators saying, " it's not our problem, try them. '' I am no fan of regulation. But I do believe in transparency laws and consumer protection. Apparently, even with all the protections I've been afforded through numerous banking acts, if XXXX goes under ( which, it will ), there is no entity to provide me recourse to ensure that I can receive my money held in highly regulated banks. FDIC and XXXX be damned. 

I'm at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account in several of my reports but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Balance I have reported this accounts above as not being mine and that I am a victim of ID Theft. These accounts are hurting my ability to get credit. Please send me proof where you have VERIFIED AS ACCURATE that these are my accounts.

I have supplied a police report that states I am a victim of ID Theft.

15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Debt collection

Wife filed for divorce. I moved out of the residence in XXXX of 2018. Wife kept XXXX account at that residence until late XXXX and then convinced XXXX to open a new account for her at the same house address. When the account was cancelled, they charged a {$280.00} XXXX  year cancellation fee to myself even though I didn't live in the house and I didn't cancel the comcast account or contract. I should haven't been charged this fee. It has moved to multiple collections agents, always lowering my credit score with new dings every several months. This charge isn't mine.
Product: Credit card or prepaid card

Applied for the credit card below with the new card sing up bonus was not given one. I was told capital one does not know the reason why but I don't get one. 
-- -- -- - New Cardmember Offer Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account openingfootnote22 -- -- -- - I satisfied all conditions and yet capital one refuses to give me the new member card sign up. I called multiple times to have the customer service explain why, but they don't know. I was told XX/XX/2020 by a existing account supervisor that what I saw under the application terms and conditinos changed once I clicked apply. because during the credit check process terms and conditions change. and I didnt get the " new card member sign up bonus '' since my " new terms '' that capital one generated when they approved for my card does not come with it. 

I as a consumer applied for this card reading and agreeing to " application terms and conditions '' I do not expect the compnay change the " terms and conditions '' during the approval process. 

I had a separate complaint for another offer not being granted for the same card. capital gave me a different term and condition sheet which I never saw or agreed to during the applciation process. Stating that 'this is what you agreed to '' but that is not the term I read and sign up for online. I applied through capital one website below where in the " application terms and conditions '' it clearly states new card sign up bonus will be granted as long as you satisfy the conditions which I do. 

https : //applynow.capitalone.com/? productId=9125
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND EXPERIAN ARE REFUSING TO REMOVE INFORMATION FROM MY CREDIT REPORT THOUGH I HAVE PROVIDED AN FTC IDENTITY REPORT, AND POLICE REPORT. 

I HAVE ASKED EACH BUREAU : Please block and remove all information resulting from Identity

Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

IN WHICH THEY HAVE REFUSED TO DO SO.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, AZ XXXX Social Security NumberXXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Please refer to previous complaint # : XXXX I am dealing with identity theft and illegal/unauthorized financial transaction issues from XX/XX/XXXX. After ( and continuing ) filing multiple complaints and reporting, Citibank confirmed the status of dispute with reference numbers ensuring me that the personal loan is in " pending status '' and their investigation team has been notified. 

On XX/XX/XXXX right as the business day turned, I received another email that my personal loan ( which is in dispute and pending status with reference number ) has been " approved and processed ''. I started calling the customer service numbers that the citi website provides, and also that I verified over the phone with the existing/communicating customer service representatives over the weekend. They are continuing to forward me to irrelevant lines, hanging up, and playing fake messages of " this line is unavailable '' to buy more time and not address my urgent need.
Product: Credit card or prepaid card

I notified money network card services of charges that were not mine they did an investigation and they informed me that the company for the charges gave my name and address. But when asked what name and address the company gave card services stated my name and my new address. But my new address was not my address when my card was used. So I sent two emails trying to get card services to revisit my case but I keep getting the run around. I spoke to several reps who said my email was recieved and I have to give the dispute department 90 days to make a decision but I can call every week for updates. OnXX/XX/2019 I was informed no emails have been recieved. So now they want me to submit another email but with all the false information how will I really know someone is working on my dispute for real. The card services also closed my case with their so called finding. I need to know that someone is looking into my request that I did not give permission to use my card for a purchase at 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report, governed by 15 USC 16c-2, which are negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

THE FIRST DEMAND LETTER WAS SENT ON XXXX XXXX XXXX This is my second demand to furnish the method of verification from experian on how they are conducting the investigation and the re investigation methods according to section 611 i sent experian a demand letter on XXXX XXXX XXXX  yet experian likes to play games and not abide by the FCRA. PLEASE HELP CFPB. EXPERIAN IS STEPPING ALL OVER MY CONSUMER RIGHTS
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected : Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Bank account or service

Fraudulent charges were made on my account, I have contacted the institution on a daily basis with no resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted equifax on 2 occasions. Each time the account I want to dispute is unavailable to dispute. However the same account is correctly reflected on other 2 major credit reporting agencys. 

XXXX XXXX account shows active with balance, however has been paid off for nearly 6 mos. I can not believe equifax is even used when their data is soo outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XXXX in XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
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  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I have contacted Cash App for over a year now about an account that I can no longer access because I do not have the phone number nor the debit card that is attached to that account. Whenever I reach out to them, I provide all information they ask for they then tell me that they can not grant access to the account for security reasons. There is money in this account that has been sitting there for over a year that I can not access. I have all of the messages on the chat on the new Cash App account. I had to create to be able to contact them.