23daVinci/CFPB_Complaints huggingface dataset:
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. 

Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights I looked at my XXXX 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 suppose 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.

and according to 15 USC 1681s-2 they are suppose 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: Checking or savings account

on XX/XX/2023 my paycheck was deposited into my cash app account and a few minutes maybe XXXX minutes later it was sent to an XXXX XXXX. i DID NOT MAKE THIS TRANSACTION NOR DID I AUTHORIZE ANYONE ELSE TO MAKE TRANSACTION I NOTIFIED CASH APP IMMEDIATELY AND NOTICED THAT OTHER TRANSACTIONS TO THIS PERSON HAD BEEN MADE FROM MY ACCOUNT I AM DISPUTING ALL OF THEM .I WANT MY MONEY BACKFROM THESE TRANSACTIONS. CASH APP IS DENYING MY CLAIM AND IS SAYING THAT I MADE OR AUTHORIZED THIS TRANSACTIONS WHICH I DID NOT.. THE SAY I CAN REQUEST DOCUMENTS FROM WHICH THEIR DENIAL IS BASED HOWEVER I TRY AND CAN NOT GET THEM I CAN NOT TALK TO ANYONE EVERYTHING IS VIA EMAIL AND I CANT SEEM TO GET ANY WHERE MEANTINE MY FAMILY GOES HUNGRY AND ARE AT RISK OF LOOSING OUR HOUSING DUE TO THIS AND I WOULD LIKE TO HAVE HEWLP IN GETTING MY MONEY BACK OR A IDEA OF WHAT ELSE I CAN DO THANK YOU
Product: Credit card or prepaid card

XXXX XXXX XXXX began debiting my credit card account in XXXX of XXXX for {$420.00} each month, continuing through XX/XX/XXXX. I never gave on-line or written permission for this. In fact, I never signed up for XXXX XXXX. 

I have called XXXX ( phone # XXXX ) numerous times, including on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. When I called on XX/XX/XXXX I waited on hold for over XXXX hours. I could hear the employees in the background laughing at me. I have been told by them many times that someone would call me back. No one ever has. Last time I called, I was connected with the department that handles corporate accounts. I was told they possibly got my account number from an insurance policy had over 7 years ago through my employer, XXXX XXXX XXXX XXXX XXXX. I have asked them repeatedly to send me any verification that I signed up for XXXX XXXX XXXX, or any verification that I gave them permission to debit my credit card. I have never received anything from XXXX. 

I finally put a stop payment in through the Navy Federal Credit Union credit card XXXX in XXXX. The payment still went through. When I called Navy Federal I was told that the government and certain large companies can over-ride a hold. I filed fraud claims for every month that the money was taken out. Navy Federal asked for more information. On XX/XX/XXXX I sent Navy Federal over XXXX pages of documentation, including statements and records of calls I had with XXXX. I asked if they had contacted XXXX to ask for any verification I had given authorizing a debit to my credit card. They continued to ask me for more information. I told them I don't have any more information NOT giving permission for my credit card to be charged. Ultimately I was told by Navy Federal that all they can do is ask the insurance company to return my money. I was also told that they do not any authorization to allow an insurance company to take money out of my credit card. Is this true? I would not expect proof of written or on-line authorization for something like a meal purchase or a moderate one-time purchase but I hope there is some safeguard against monthly unauthorized purchases of over {$400.00}. 

I am appalled and scared to think that a company can use my credit card without my permission. 

I have more documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for inaccurate items on my credit. The items have not been removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violates 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 unprotected and vulnerable. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution required 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. They deactivated my account on false allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX our mortgage was paid in full due to a refinance. In XX/XX/XXXX Loancare ( Lakeview Loan Services ) reported a 30 days delinquency for XX/XX/XXXX, XXXX has not corrected my XXXX  and subsequently reported another 30 day delinquency for XX/XX/XXXX despite my account being closed and paid in full with never being late and XXXX claiming the issue is corrected. I am on the verge of losing a real estate transaction.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 suppose 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. 

and according to 15 USC 1681s-2 they are suppose 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: Debt collection

XXXX XXXX XX/XX/2019 phone call from ( XXXX ) XXXX in regards to a complaint filed against me for a unknown reason XX/XX/2019 phone call from ( XXXX ) XXXX phone call from the same Fake collections agency. I finally got to speak with these people, they wont provide me with a actual address, reference number or account numbers.. XXXX   told me that Capitol One was the credit card company that sent me to collections and that if I didn't pay my bills its my fault they are calling me. XXXX hung up on me so I called back and asked to speak with her manager, they put me on hold to speak with XXXX XXXX who works with XXXX. 

CAPITOL ONE data breach is the reason why these people are harassing me. 

XX/XX/2019 I spoke with Account Specialist- XXXX @ XXXX with capitol one and she stated my account has a XXXX  balance and paid in full and currently closed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX REPORTED XX/XX/XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ACCOUNT OPENED XX/XX/XXXX BALANCE OWED : {$3200.00} THIS ACCOUNT DOES NOT/ HAS NOT BELONGED TO ME. THIS DEBT BELONGED TO A FAMILY MEMBER. HOWEVER THIS INFORMATION WAS PUT ON MY REPORT WAS NOT AUTHORIZED NOR WAS I AWARE OF THE OPENING OF THIS ACCOUNT
Product: Debt collection

Upon recently checking my credit report. I noticed many account ( XXXX ) to which do not belong to me. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! YOU ARE IN NONCOMPLIANCE WITH THE PRIVACY OF CONSUMER FINANCIAL INFORMATION RULE OF THE GRAMM LEACH BLILEY ACT FOR SHARING MY NONPUBLIC PERSONAL INFORMATION TO THIRD PARTIES AND NOT PROVIDING ME A NOTICE THAT COMPLIES WITH SECTION 6803 AND GIVING ME THE OPPORTUNITY TO OPT OUT PURSUANT TO 15 USC 6802. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX XXXX  - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX 7. XXXX - XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

From the branch of XXXX XXXX in New Jersey, I ordered corporate checks in my company name, which Big Boss. I paid USD XXXX from my business account approximately XXXX months ago.I tried to contact my customer representative at the bank by email, by XXXX and by mobile many times but he did not get back to me till now although he promised to compensate for the delays by sending the checks by XXXX whose charge will be fixed on their end. It was XX/XX/XXXX that I paid and ordered the checks but it will be XX/XX/XXXX and I still have not received the checks. No feedback till now. Very disappointed.
Product: Student loan

I have a U.S. Department of Education federal student loan that is being serviced by XXXX XXXX and the guarantor is Nelnet. The total loan balance is {$3700.00}. The account number is XXXX. I applied for a XXXX discharge because I am XXXX, I receive {$1000.00} monthly in social security XXXX income and this is the only income in my household. I can not afford to repay the student loan balance due to my fixed income. I barely have enough money to buy food after paying for housing and utilities. I provided Nelnet with the completed XXXX discharge documents and a letter from the social security administration stating that my XXXX has been certified for 3+ years. Nelnet denied my request for XXXX discharge because they request a XXXX certification of XXXX years. I have spoken with the social security administration and they have advised me that there is no such thing as a " 5-7 year XXXX certification. '' I reported this information to Nelnet and they still refused to reconsider my request for XXXX discharge. The Doctor that previously certified that I am XXXX has retired and is no longer a practicing physician. Instead of acknowledging the 3+ years of XXXX ( + means greater than 3 years ) Nelnet insist on making my life a living by requiring 5-7 years of XXXX certification. Please note that I have received social security XXXX since 2005 - present day. I have been approved for my LAST forbearance and I am terrified of what the outcome will be when the forebearance ends because I can not afford to pay. 

In addition, my student loans are result of me pursuing a degree at XXXX University. I only took XXXX course at XXXX University, a For-Profit educational institution. The tuition was astronomically high. 

I am requesting that my student loan balance be discharged as a result of me being permanently XXXX and I am requesting that my student loan balance be discharged as a result of me accumulating unnecessary student loan debt because I was taken advantage of by a For-Profit college, XXXX University. 

I sincerely thank you!
Product: Vehicle loan or lease

every month when i ask for the car loan balance they refuse to give me the balance and always say we will send it by Email and never happen Now the sold the contract and refused to give me the Information on the new financial institution saying that they sent the Info by Email again so sad they treat the customers like this people BHFC is located in XXXX Az also i noticed that they instaled a GPS tracking system without letting me know hope you can help me with this issue with BHFC financial since there is no customer service there they just call you when is time to pay
Product: Debt collection

Portfolio Recovery keeps calling me numerous times per day spoofing numbers. I block the numbers but they justy spoof a new one the next day. They never leave a mesage and I have no idea why they are calling me.
Product: Checking or savings account

I was charged overdraft fees when money was deposited same day
Product: Checking or savings account

during a tour of XXXX last XXXX my banking information was stolen along with {$4500.00} in cash. I immediately notified Citibank and asked for a new bank card. It was to arrive in XXXX in two days, it never arrived. We waited 3 extra days at the hotel ( at {$100.00} a night ) but still no card. We had to borrow  money from our traveling companions. I came all the way back to XXXX XXXX ( the closest Citibank ) and got a temporary card. They were to send me a permanent card to our hotel in XXXX AZ but it never arrived. I was angry and tried to close the Citibank account but they would not close it. I started an account in another bank and attempted to transfer the {$3000.00} balance to my new bank but they would not do so, said I only had {$1100.00}, not the {$3000.00} I had previously seen on deposit. I then asked Citibank to send the account ledger for the last 3 months and they ignored my request, several phone calls later plus written requests were ignored. I still do not know what happened to the missing {$2000.00}. I want an account for deposits and expenditures for XXXX, XXXX, XXXX and XXXX of XXXX.
Product: Money transfer, virtual currency, or money service

My daughter ate my money order for my rent ... {$970.00}. I didnt give it to her directly ... she managed to open my wallet ... which is pretty skilled for a then XXXX  month old. Anyway, the place I purchased my money order from said they couldnt refund it. I did purchase another one because I had to pay my rent. Then I called Western Union. They said I had to fill out a form and pay them {$15.00} per money order to receive a refund- and the processing takes 30-60 days. Well that was 30 days ago and they are saying they didnt receive my paperwork- which included the damaged money order, the fee, and the refund request form. Ive asked to speak to several managers each time it ends up going to a dial tone. Ive talked to like 8 different people. I dont know what to do. Theyre not XXXX  accredited.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a complaint number XXXX against CITI BANK. I opened a dispute last year against XXXX XXXX XXXX for {$1200.00} which was a partial hold of the original amuont {$2200.00}. I then took the case to small courts claim at XXXX County General District case. The judge advised the merchant to give me a partial refund of the {$1200.00} and in return I was asked to close the dispute to make the {$1200.00} available to the merchant. The {$1200.00} was posted on my account as PAID to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX '' on my XX/XX/XXXX statement and I paid the total amount of the bill to CITI BANK. In late XXXX, I received a letter dated " XX/XX/XXXX '' confirming the dispute was actually closed as per my request on XX/XX/XXXX and {$1200.00} was released to the merchant. One week after opening a complaint at Consumer Financial Protection Bureau I received a phone call from XXXX XXXX confirming the case was closed and she sent me a letter by mail dated XX/XX/XXXX that the {$1200.00} was paid to merchant 's bank. Yesterday, I received a notice to appear in Small Court Claims of XXXX County on XX/XX/XXXX because the merchant claims they did not receive the {$1200.00} yet plus {$910.00} in fees and interest!. If this turned to true that CITI BANK failed to pay the merchant their {$1200.00} I will proceed with suing CITI BANK for all the trouble they gave me since XX/XX/XXXX, otherwise CITI BANK has to send me the date, transaction name, merchant name and bank name to where the {$1200.00} I paid went to and when it became available to the merchant and wether it was collected by the merchant 's bank. Of note, I tried to reach out to XXXX XXXX at XXXX twice yesterday XX/XX/XXXX and left a voice mail to call me back, I have not heard back from her yet.
Product: Checking or savings account

Wells Fargo locked my acct after I reported fraud on my account. I was then told my account was closed due to misuse of debit card. They allowed transactions to go thru without my knowledge. Sent a bill pay check not in my name to pay someone's rent. I was charged chargebacks and fees for trandactions. Total XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ladera Lending run my credit without my permission ; after reaching out to them on XX/XX/2021 asking why they run my credit and now i have a hard inquiry on my credit report and they should remove it. Ladera still haven't remove from my credit report ; there respond was could have been a system malfunction and they're not sure how an email was generate and send over with my rate turn have them to assume i want to start the process again of refinancing my home which was denied back in XXXX of 2021. 

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

Repeatedly asked for the removal of debt being falsely reported.This was not and never has been my loan, as discussed several times writing and verbally. The company has refused to correct this from my credit report for well over a year. I have proof of mailing, by registered mail and recorded phone conversations. 
the Creditors names is XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A. states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have filed complaints with absolutely no results from any government agency - OMB CONTROL # : XXXX I am owed {$320.00} by PayPal for purchases made on XXXX, transactions that were cancelled because two XXXX vendors did not have the items they took my money for, and PayPal claims the refunds were issued. My bank however has never been able to see even one cent refunded to my account such as PayPal claims. XXXX XXXX XXXX XXXX - routing number XXXX - no refunds as PayPal claims in written receipts. XXXX customer service does nothing - PayPal does nothing - the BBB did nothing - the CFPB has done nothing - The FTC does nothing - so you tell me how am I to get my money back, when nobody ever acts or does anything to get it for me?
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit against Equifax on XX/XX/XXXX i insist you conduct and investigation as you are required to by the FCRA law. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation Which i ask that you provide me in exact detail Please delete the disputed information within the required timeline as set Forth by the FCRA which is federal law I have disputed many accounts with Equifax and asked their validation method and never got a response here are the confirmation numbers for the disputes i beleive these were not investigated properly and were a sham investigation please do your job and delete all the errors on my credit report or i will take legal action submitted XX/XX/XXXX confirmation number XXXX submitted XX/XX/XXXX confirmation number XXXX submitted XX/XX/XXXX confirmation number XXXX
Product: Debt collection

i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.
Product: Credit reporting or other personal consumer reports

I am listing 3 inquiries Fraudulent from my Transunion Credit ReportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report