23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Central Kentucky Management Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit card or prepaid card

Follow-up to XXXX. Company never requested any sort of verification from me, and actually called me to set up a meeting just before closing the complaint.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX # XXXX -BALANCE- {$1100.00} DATE OPENED- XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX -BALANCE- {$770.00} DATE 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy 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, credit repair services, or other personal consumer reports

The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out a letter to TransUnion about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

According to XXXX, there is an " at fault '' claim on my report for an accident on XX/XX/year> that did not occur. My current auto insurance has the correct information. This was a comprehensive claim for a windshield repair. I am having difficulty getting cheaper auto insurance due to this incorrect information on my report.
Product: Credit card or prepaid card

long time Capital One Visa card holder. Capital one keeps adding to my interest. I talk to a regular representative Friday XXXX XXXX and a supervisor I believe her name was XXXX. I tried to get them to credit my {$340.00} dollars in interest charges. They gave me some mumbo jumbo about not being able to credit the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance 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, and I'm including it again XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Student loan

After graduating college in 2002 I began to repay my student loans. I had approximately {$17000.00} in Federal subsidized loans. After struggling to repay them, XXXX XXXX reached out to me to consolidate my loans into a lower, monthly payment. I agreed to consolidate my Federal subsidized loans with XXXX XXXX. Unfortunately, I ( nor my mother, who was helping me make this decision ) did not fully understand what I was agreeing to, nor was XXXX XXXX forthcoming in disclosing that the lower payment would be interest only. Not until the interest only period was up, and I received a notification that my payment was increasing to include a small portion of my principle, did my spouse and I inquire about the terms of my loan. I contacted XXXX XXXX to ask for a copy of the loan terms and promissory note. After several more requests for this information, XXXX XXXX finally agreed to send me a copy. The promissory note did not have a physical signature on it and the note itself, was very vague pertaining to the loan terms. 
Clearly the terms were not fully disclosed to me because shortly after I consolidated the loan, I went back to school ( which was my plan at the time of the consolidation ) and made interest only payments during that time. However, if I had left them as Federal subsidized loans, I could have deferred them while I went back to school and not paid any interest. 
After reviewing the loan with my spouse, I reached out to XXXX XXXX to attempt a mutually beneficial resolution because I felt mislead and uninformed. XXXX XXXX refused. 
I contacted the Inspector General 's Hotline to report this. They told me that there was nothing that they could do for me. I did n't know that the Bureau of Consumer Financial Protect existed to assist similar people in my situation, until a recent report was published describing a lawsuit involving Navient ( i.e. XXXX XXXX ).
Product: Checking or savings account

Overdraft fees from Navy Federal. Navy Federal knowingly approved charges although 0 balance and overdraft fees charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized fraudulent inquiries on my report is an act of identity theft. I'm demanding that the credit reporting agency known as TRANSUNION, remove these inquiries from my credit file immediately and/ or show just cause and The Method of Verification in to this matter. I'm demanding physical documentation that verifys these actions. Please remove the following unauthorized inquiries. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX  ( XXXX ) 8 ) XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute the subject matter of my previous complaint against XXXX on my Transunion credit report. Transunion 's website did not accept supporting documentation despite several attempts to upload it, and did not offer any explanation for the failure or any alternative way to submit documentation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXXXXXX  According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A few days ago, I created a Cash App account, and without warning or reason, it was immediately closed. I have never violated any terms, yet when I attempted to create a new account, I was falsely informed that my device was involved in a violation of Cash Apps policies. This is a completely baseless and unjustified restriction on my ability to use their platform.

I escalated my case multiple times, reaching out to Cash App Support, including a manager-level representative. Despite my repeated efforts, Cash App has : Refused to provide a valid reason for my account closure. 
Blocked my device entirely without justification, preventing me from ever using their services again. 
Ignored my legitimate concerns, responding with vague, automated replies that fail to address the issue. 
Closed my case without resolution, making it impossible to appeal further. 
Why This is a Serious Issue : Cash App is wrongfully restricting financial access without cause or due process. 
They are engaging in unfair business practices, banning users without transparency or the ability to dispute false claims. 
Their failure to provide real customer support or escalation procedures violates basic consumer protection rights. 
What I Demand : A complete review of my case and reinstatement of my account. 
Immediate removal of the device ban, as it is based on false claims.

A clear, written explanation of why my account was closed in the first place.

If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX and my states Attorney General for an investigation into Cash Apps unfair and deceptive practices. Additionally, I will seek legal action to hold Cash App accountable for wrongful termination of my account and financial interference. 

This issue has caused significant disruption to my business, and I expect a real resolution, not another dismissive response. I urge immediate intervention from regulatory authorities to ensure that Cash App is held accountable for its unfair treatment of users.
Product: Debt collection

A " representative " by the name XXXX XXXX from Weistein Karp and Associates, continues to call and text me repeatedly at all hours of the day from blocked numbers. First and foremost, I do not answer blocked calls. Secondly, this person continues to leave " smart allec " and condescending comments in an attempt to belittle me. This " company " failed to follow appropriate collection activity that in turn, violated the Fair Credit Debt Collection Act. This person is using legal terminology in attempts to harass and cause intentional emotional discomfort. I have contacted local law enforcement because it now has become Menacing under the XXXX. This agent can not even pronounce my name correctly. This person continuously calls back to back from blocked/unknown numbers. Finally leaving inappropriate messages.
Product: Credit reporting or other personal consumer reports

Violates of 15 U.S. Code 1681 In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Violates of 15 U.S.C 1681c ( f ) Indication of dispute by consumer - If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) 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, not later than 4 business days after the date of receipt by such agency. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtedness with 1099c and is now INCOME, furthermore income can not be on a consumer report. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged. When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). The companies decision to terminate collection action and accounting decision to write-off DEBT. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT. Also 15 USC 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Pursuant to 16 CFR 313.7 under the Continuing right to opt out. A consumer may exercise the right to opt out at any time. These laws are here to make sure my credit file and credit report has the proper reflection of each account. I attach proof from current consumer report of inaccuracy in report from multiple reporting agencies on multiple accounts. All information on Consumer report must be true and accurate reflection of the account. DELETE IMMEDIATELY AND INDEFINITELY. These accounts have already been disputed and investigated, I request immediate deletion of all inaccurate reporting. DELETE IMMEDIATELY AND INDEFINITELY. Further investigated is not needed theses account have been disputed, investigated and " verified '' as accurate, which they are not, DELETE IMMEDIATELY AND INDEFINITELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT has come to my attention that there are late payments being reported on my consumer credit report and per. 15 US CODE 1681A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 OF THIS TITLE IS TITLED EXCLUSIONS AND SUB PARAGRAPH ( A ) SUBSECTION ( i ) STATE THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

This account doesnt belong to me, please delete it from my credit report because it is causing me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not share what my XXXX and information would be. They are a main credit bureau and connected with big apartment databases like XXXX  They advertise their XXXX here https : //www.transunion.comXXXX I contacted TransUnion by phone today to ask for my XXXX  and information to make sure my rental applications would go smoothly. They told me there is no way to give me that information without a rental application already being submitted. 

If TransUnion can provide a XXXX and other information about me to landlords- I should be able to see and monitor that information to know what is on there, make sure it is accurate, and have a chance to preemptively dispute any inaccuracies.
Product: Student loan

Hello, My Name is XXXX XXXX, i am currently XXXX years old, I have retired. I have a student loan that i cant repay. I filed For bankruptcy around XXXX and tried to stop the debt collector, but found that that is impossible. 

I have lost everything when the market crashed in XXXX, and had since been permanently XXXX due to a XXXX. I live with my kids, I no longer work and only live off my SS RETIREMENT. I cant seem to stop the penalties and interest on a student loan that took out for my child in XXXX. The school has closed, ran with the money and never was able to offer a degree. We are not the only ones affected by XXXX COLLEGE which we are very disappointed. The Loan was with XXXX XXXX and has been moved to XXXX. I no longer have any information. 

I dont have any ability to earn money and cant afford payments.
Product: Checking or savings account

On XX/XX/2022, a check from XXXX XXXX  XXXX XXXX XXXX, XXXX WY, XXXX, was cut to all 3 account owners payable to all three owners at the close of this account with XXXX XXXX, in the amount of {$62000.00}. On XX/XX/2022, Chase Bank, XXXX XXXX XXXX XXXX, XXXX WY, XXXX deposited said check without a single endorsement, just stamped " Credited to account of within named payee for deposit only ''. The account that the money was deposited only belongs to one of the payees. All Payees ' were to endorse this check for deposit. 
Once learning of this deposit, I first called XXXX XXXX  and asked for an explanation. They provided me with a copy of the cleared check and explained that I would need to contact Chase Bank for resolution. I then called Chase Bank in XXXX WY and spoke with the Branch Manager. She said this check should of never been deposited without all three signatures and offered her apologies. I have followed up with her on several occasions and all I get is that this is out of her hands and that their home office is handling the resolution of this, however, there has not been any resolution. 

On XX/XX/2022 XXXX asked me to come into the branch and sign an affidavit for improper endorsement, which was then sent to Chase Bank. XXXX received and email from Chase Bank notifying of receipt of the affidavit. 
On XX/XX/2022 I received a call from the complaint installation group for Chase, He said there was nothing he could do to help and he would transfer me to the Fraud Complaint Department. I then spoke with that department, he too said he could not help me because I am not on the account in question. I agreed and said in there lies the problem. He stated to me that the only way to resolve this was for the Chase customer who made the deposit to contact him. 
I then spoke with the Wyoming XXXX XXXX for XXXX. He assured me there isn't anything that XXXX can do to resolve this issue. He stated we filed the affidavit as to protocol, and it is up to Chase to fix this because Chase was the bank of deposit which makes them liable for not having proper signage or endorsement. 
I have also opened a case with the XXXX Police Department, but they suggested we try work with the bank first to get resolution, which isn't going anywhere. 
On XXXX XXXX, XXXX  I called Chase Bank Headquarters in New York, Explained the situation and she advised that if the Branch Manager isn't doing everything to resolve the issue then I should proceed with a complaint with Consumer Financial Protection Bureau. 
The only resolution to this is to have the check re-issued and all endorsements made prior to deposit. Then, said check should then be mailed to myself and the other owner, not the owner and his guardian who has already knowingly deposited funds without proper signage. 
***All names, contact info, address available if you need them, I did not add all this info as per the instructions above***
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX  XXXX  account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.