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

im Writing t consumer reporting agencies ( XXXX XXXX, Equifax ) of a formal complaint against XXXX XXXXXXXX XXXX I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/year>, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXXXXXX 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 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: Student loan

My name is XXXX XXXX i attended XXXX XX/XX/XXXX while they were owned by XXXX. my question to you, is why do n't all students who attended the schools when corinthian owned it get relief of the private and federal loans from this lawsuit the cfpb has with them? i have been paying XXXX dollars a month and not getting anywhere with this loan that i was forced into having. my principal amount was XXXX with a 8.75 % interest and i have been paying for roughly 6 years and i now owe XXXX i feel like i need to be helped out by this lawsuit. i feel as if the school has done exactly what the article and lawsuit say, by the fact i have n't heard a word for job placement like they said they would, i do n't make the salary they said i would, i also do n't even work in the automotive field because quite frankly the pay is n't enough to take care of the loan payment and have a life. my loan servicer is Navient formerly known as XXXX XXXX and i have contacted them about this and i have been told i do n't qualify because because i attended XXXX XX/XX/XXXX, and students from XX/XX/XXXX to XX/XX/XXXX are the only students that qualify. i feel thats discrimination because i do fall under the same issues your lawsuit was based upon. and the school was owned by corinthian colleges during that time i attended. i feel that my student loan is predatory because its not getting any lower with every payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to CONVERGENT OUTSOURCING and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 700 complaints on XXXX  they also have over 650 complaints with the CFPB I Demand A DELETION REQUEST OF THE ACCOUNT
Product: Debt collection

Today a gentleman named XXXX XXXX working for XXXX XXXX XXXX XXXX contact my mother, brother, father, and wife and told them what the debt was for how much i owed and the amount they could pay to take care of it. i never once heard from the company and when my wife informed him that he was breaking the law he decided to hang up and call all of my family members back and leave voicemails demanding i call him due to her committing fraud. i emailed them a cease and desist letter and they continued to reach out to references and give them information after that. any contact they have with me needs to be through physical mail and that is all. we have the voicemails if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

JA Cambece Law Firm/Collection Agency located in XXXX, XXXX employees some of the most unethical and dishonest people in the State of XXXX. Their employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. 

This issue occurred to me unfortunately due to a divorce. I had an XXXX card at one time many years ago. XXXX is now out of business. The XXXX company and I negotiated a debt cancellation well over 7 years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This JA Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ) in XXXX, XXXX. 

They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX.. Extremely laughable and criminal.. I 've filed for CH XXXX bankruptcy with the US Bankruptcy Court in XXXX, XXXX. 

In the meantime they have harassed my work and are now looking to garnish my wages on XXXX XXXX 2017 which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. I have to testify at the XXXX District Court constantly. If this company thinks they can steal my money which I have none they are in for a rude awakening. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this company and XXXX actions, a lawsuit will be forthcoming. A copy of this complaint is being sent to my Attorney XXXX in XXXX, XXXX for possible legal action against JA Cambece and XXXX. 

That original judgement was also made without notification or contact from anyone. They lie, cheat, scam and steal from most everyone. Its proven by the multiple law suits against these " law firms '' and " collection agencies. '' They need to stop scamming the american people. Do something about these companies! 

They purchase bad debts for pennies on the dollar, some of which are already settled with the original creditor. They get " canned '' affidavits from employees at these creditors that have no knowledge of the actual debt. They harass and sue without the persons knowledge and obtain default judgements because they never actually serve the person. I 'm not making this up. There are countless class action law suits against these companies. They continue though without interruption even after being found to be scamming the american people and breaking the law.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filling 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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and a few of my federal rights have been violated!

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, as well as some of the following rights also! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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. 

XXXX : ACCT XXXX XXXXXXXX XXXX XXXX : ACCT XXXX XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX : ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXXXXXX XXXX : ACCT XXXX XXXX XXXX XXXX XXXX XXXX  : ACCT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report regarding these fraud accounts. They are not mine so please check with department and remove it as Police does not remove the fraud accounts.
Product: Credit reporting or other personal consumer reports

Account Name : National Credit Adjusters ( NCA ) Subject : Formal Dispute Regarding Collection Account To Whom It May Concern, I am writing to formally dispute a collection account that has been reported on my credit file. This account, which is being pursued by XXXX, XXXX, and XXXX, appears to be inaccurate or incomplete. I kindly request your assistance in verifying the validity of this debt and ensuring that all related activities comply with the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

On XXXX I was charged by merchant XXXX XXXX XXXX twice without my authorization. I was charged {$110.00}, and an additional XXXX ( with a {$5.00} tip included for a total of {$120.00} ), but the charge with the tip included is the only charge I authorized and signed for. I inputted a claim with Chase Bank and they notified me that there isn't anything they could do and to reach out to the merchant. When I reached out to the merchant, they tried to justify the double charge and the fact that they swiped my debit card twice for the same transaction. I have a receipt showing the charge for {$120.00}, the one which I signed for and submitted to Chase as proof, but they refuse to acknowledge it. Therefore, they advised they will be taking the provisional credit of {$110.00} back out from my account. I should not be responsible for the merchant double swiping my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told experian XXXX  and XXXX  that this debt was not suppose to me reported the company agreed to delete this debt. I have made complaints against this company. I will attach all documents to show this debt needs to be removed from my file. 

They have violated article 807 and 808
Product: Debt collection

Consumer Adjustment CO placed an account on my credit report. This item was disputed due to fraud on two previous occasions once in XX/XX/2021 and XX/XX/2021. In addition XXXX removed the item as a result of identity theft now my XXXX Credit Bureau report the identity theft account. The same debt continues to appear after being sold to various agencies. I have provided an original police report surrounding the identity theft. The item was just placed on the XXXX report and as a result of my identity being compromised this item should be removed.
Product: Checking or savings account

I had account with chime 4 years ago and it got colsed I had closed it bcouse I never got my card in the mail and they still have yet send me my check and they tell me 10 business days and mouthing coming
Product: Debt collection

We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.
Product: Checking or savings account

I held a checking account at Citibank, # XXXX, which the bank closed in XX/XX/2022. There was also a debit card issued on this accounting ending in XXXX. On XX/XX/2022, XXXX issued me a refund to that card ending in XXXX in the amount of {$79.00}. I've spoken wth XXXX and the refund was not rejected so this means Citibank still has my funds and as of the date of this complaint has not refunded this money to me. I am owed {$79.00} and the transaction ID for this refund per XXXX is XXXX. 

It has been 3 months since this refund was issue which is more than enough time for me to have received the refund from Citibank The only resolution I will accept to this matter will be my money returned to me. I have tried calling Citibank 's call center, however, they must have outsourced their customer service because the people that answer that line do not speak clear enough English in order to understand them. They tell me to go to a branch and when I go to a branch, the branch tells me I must contact customer service. At this point I am going in circles. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian had claimed that I have a late payment from XXXX  that is false Experian- XXXX late payment
Product: Credit reporting or other personal consumer reports

Experian will not remove the XXXX  XXXX  account from my credit report. on or around XX/XX/2025 I uploaded the necessary documents, I.e a valid ftc report, a valid police report, a copy of my drivers license and social security card. and a bill showing my address and other information. I uploaded these documents to their document upload portal. I keep calling but I wind up waiting hours and hours at a time to speak to someone and I wind up not getting my request granted.
Product: Credit card or prepaid card

After submitting my first complaint yesterday XXXX, complaint XXXX, this company Way2Go prepaid debit card changed the fraudulent/unauthorized charges to a different amount. There are 5 consecutive fraudulent/unauthorized charges in the amount of XXXX from a company in XXXX totaling {$160.00}. They would not stop this fraud from happening as I requested when these charges were in pending status. Do a quick search on this company and the parent companies Conduent and XXXX and you will find class action lawsuits in multiple states for this exact issue. I would also like the XXXX dollars back that I was forced to pay to get a new card. I can not access my money until the new card arrives. Its their security breach that caused this not mine. They also need to pay me {$100.00} a day for every single day since they allowed these charges starting on XXXX. 

I did not use this card online, it is in my possession so the only way these fraudulent charges could have happened is either by this company making up charges and stealing the money or allowing their system to be easily hacked. 

Their dispute process does not allow for disputing an unauthorized charge unless a PIN number was used. Their dispute forms do not include disputing unauthorized charges unless your card was stolen. This is why they are getting away with robbing the state and federal governments and in turn robbing citizens. They do this with unemployment, child support, social security, VA benefits and any other state or federal distribution of funds to a citizen. Again, a simple quick XXXX search finds thousands of complaints exactly like mine and class action lawsuits. Along with documented proof that they do little to nothing to keep their system secure. Why no one has connected the dots is astounding.