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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 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: Debt collection

Received a letter from BECU ( Boeing Employee Credit Union ) saying I had taken out a loan and my payment was overdue. When I called to verify what the bill was and that I had not taken out a loan with them they directed me to their webpage to dispute and wanted me to fill out an IDENTITY THEFT AFFIDAVIT. This form collects all my personal information. When I asked them about it, they said that was the only was to dispute the claim. I said I was uncomfortable providing that information when they should clearly already have it. They said that there was nothing they could do until they had that information and the debt owed would be reported to the credit reporting agencies. From the letter I can not tell what information they have about me other than my mailing address. When I check their website, it all looks legit. What am I supposed to do in a situation like this? Just ignore it? Please advise. Let me know if there is additional information you need.
Product: Debt collection

As of XX/XX/2023, I had already notified Comenity Capital Bank of a mis-charge with the XXXX credit card account. I spoke with a representative of Comenity Capital named " XXXX ''. I told him that I notified XXXX that I didn't need the XXXX XXXX XXXX treatment because their company didn't honor the service when I purchased a bedroom bureau from them. According to the Service, XXXX was supposed to have a third company deliver my product to my home and place it safety inside where instructed. The delivery service contacted me and told me that they couldn't deliver the bureau to the 2nd floor bedroom in my house due to Covid restrictions and wanted to leave the bureau in my driveway. 

I told them that was impossible because I couldn't transport something that heavy up the stairs to the 2nd floor rear. No one in my house had/ever had Covid, and everyone in the house was XXXX. They refused and I told them to return the bureau. I contacted the Company for a refund and received a refund for the bureau but not the Service. 
I asked for a cancellation of the Service but the Company ( XXXX ) wouldn't remove it and kept charging me " late fees '' on a " XXXX '' service for non -payment. I contacted Comenity as stated above and " XXXX '' seemed to understand my problem and apologized repeatedly for the continuing late fees and non-cancellation of the Service. He stated that I would received further communication from the Bank as they researched the problem and that I would receive no more bills for late payment. ( This conversation should be in their database as recorded conversation ). 
I received a dispute letter from Comenity Capital XXXX XXXX XXXX XXXX XXXX referring to the previous contact with their representative and it stated to wait until they contacted me at the conclusion of their investigation. I have the original dispute letter which I am going to upload to my credit reporting companies. Since XXXX XXXX XXXX no further communication was received from Comenity Capital just bills from XXXX incorporating higher amounts in late fees for non-payment of the XXXX XXXX XXXX I never received. 
This situation with XXXX and their banking company, Comenity Capital is causing me severe damage in my credit score ( XXXX down to XXXX ) and prevented me from obtaining a XXXX XXXX XXXX XXXX XXXX XXXX due to the low score ( I will also upload the XXXX letter to the credit reporting companies in a dispute ). 
Please help. All I see is greed, greed, greed on their part destroying a formerly great customer.
Product: Debt collection

This letter dated XX/XX/XXXX from National Credit Adjusters was put on three credit reports with the date of last payment being marked N/A for XXXX for a debt that was charged off in XXXX. Not only is this a time barred debt in the state of Texas. This company is falsely re aging said debt with an inflation of over {$790.00}. This is affecting my credit with three major  credit reporting agencies and was created solely for this purpose and intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX no longer services my XXXX  loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.
Product: Debt or credit management

I saw these XXXX accounts on my credit report. I have never received any information on this debt. This collection agency in in violation of my XXXX rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature.
Product: Debt collection

I took out a loan, and I have recently gone through financial hardships and not have been able to pay the debts on their time,
Product: Debt collection

I never received a card never activated this account this account has been addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've never lived at that address this has been reported to identitytheft.gov
Product: Mortgage

I am asking for assistance on a modification or reinstatement. Their is an amount of XXXX due for a note of {$5000.00} an i 'm offering to pay {$5000.00} and commence payments of {$200.00} a month with the intention of paying all past due withing a year with a Refinance. This company is refusing to help stating it to short of the time per Sale Date XX/XX/XXXX even though I have provided all documentation. I have proven the death of my mother and my hardship. 

Please Help!
Product: Vehicle loan or lease

XXXX  KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX   XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX  XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} XXXX  XXXX  XXXX  ( Original Creditor Name : XXXX XXXX XXXX  ) Balance XXXX {$410.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance XXXX {$530.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  XXXX  Inquiry : 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I have 3 investment accounts with Ally XXXX XXXXl ( Ally bank online ) for about 2 months. XXXX IRA and 2 rob investment accounts for a total of about 9000 dollars. about 2 weeks ago they inactivated the text code verification for security purposes because I forgot my PIN number and they went ahead with asking me multiple choice questions as a method of verification. since then I have failed their verification answers, they keep asking me about a different person that lives in XXXX Arizona and that has my same age and same maiden name. also they have been asking me about " other people that I am supposed to know that live in Arizona. I keep telling them that I have never lived in Arizona, I have lived in XXXX XXXX for over 30 years and California before that. they would not hear of it and have attached my accounts to fraud and have lock them, I can not see them on my online banking side of it like I used to or have access to it or transfer them out. one time I did happened to speak with one representative that tried to help me and asked me to submit/fax my driver 's license and social security card to the number the representative gave me, I did on the XXXX and email them to XXXX the following day also. XXXX, the representative said that in about 2-3 days they would contact me, I have never hear from them or no body has email me. I keep sending them an email asking what other information I can submit to verify that is me. I keep calling and asking them the same thing and they keep asking me the same questions about someone that lives in a different state and other people that I have no idea who they are. they wound not get me to a manager or supervisor because I have not been properly " verified ''. they would just not help further and I have no body that could help me. the banking part of it I have access to fully but they say they can not help me with the investment part of it at all. like if they separate entities. my phone number is XXXX and XXXX, my email address is XXXX, I have no paperwork to submit because I have not receive a email back or call back, there is no back and forth just me begging to what else I can submit to prove that it is me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my XXXX report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

Renasant Bank XX/XX/2020
Product: Credit card or prepaid card

XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. 
I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. 
Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to a company called XACTUS which is located at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I have received a letter back stating that XXXX other parties issued the inquiry but those parties are not listed on my credit report in which XACTUS got the inquiry. ( the letter is attached to the document. ) I also explain to show validation of authorization with their response and didn't do so which in this case they should delete this inquiry which wasn't authorized by myself. ( the letter is attached to the document. ). 
XACTUS actually admits to getting this so call inquiry from third parties which are AVANTUS AND XXXX XXXX  XXXX and not an inquiry they obtain or authorized. 
I really hope you help me with this matter which has been undermined by XACTUS by using excuses to justify their cause. hope to hear from you soon, thank you
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 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 have caused financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I got a phone call on XX/XX/XXXX at XXXX from a UNKNOWN number. I missed the call so it was transferred to the voicemail. There was a voice mail left that was very disturbing. The voice mail stated that XXXX XXXX is a process server that has been assigned to serve me with legal documents. She stated that she will be making several attemps to serve me at my current home location or work location to get my signature. She then stated that if she can not gain my signature within those attempts, she will document this as a direct refusal to sign and proceed the process without me. She then listed a contact number and reference number to call if I needed to re schedule my serving. No other information was left on which company she represents or what the serving was about or who sent it. The call number she listed is XXXX with reference number XXXX. 
I could not contact her back as she called from a unknown number that was listed as UNKNOWN on my caller ID. 
On XX/XX/XXXX at XXXX. I received a call from a Philadelphia Number XXXX. I answered the call then. It was her again. She stated that she was coming to serve me with legal documents at my home or job between the hours of XXXX and XXXX. I asked her who was she representing, she did not give me a company name. She stated that she is a independent contract server. I then asked her who the legal documents were from. She stated that she does not know as they are sealed with no company name. I then asked her where she was located. She took a few seconds to respond and then stated that she is located in XXXX XXXX South Carolina. i then asked her what address was she coming to serve me at. She started to laugh and then hung up on me. 
I then went back through my voicemails and re played her message and wrote down call number and the reference number. I then called the number but was transferred to a voice mail. I left a message stating that I needed information on why I was receiving threatening phone calls from a process server. No one called back. I then called the number back at XXXX ( XXXX ) and a lady answered the phone. She stated that I am being contacted due to a debt with XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. She stated that there was a account opened up in XX/XX/XXXX and was closed on XX/XX/XXXX with an overdrawn amount of {$350.00}. The balance now is {$550.00} but we can settle the debt now with the original amount of {$350.00} or I can dispute the debt. I stated that I will have to dispute the debt as I never had a XXXX XXXX XXXX account in XX/XX/XXXXor XX/XX/XXXX or anytime. Once I stated that I want to dispute the debt, the lady stated that she will notate the file and proceed with the legal action and hung up on me. So I called the number back. I was transferred to a voicemail again. So I called back again and this time a guy answered the call. I asked him what company does he represent, he stated that the company is Alternative Dispute Resolution in XXXX Texas. I then told him that I was wanting that information because I am going to have to dispute the debt and he laughs and hangs up on me to.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Product: Mortgage

2 years ago, we had water damage. The insurance dropped us and we had about a month to fix the house so we can get a new policy before the insurance expired. The old insurance paid for the claim BUT my bank didnt want to release any funds to me so I can fix the house. I used my own money and loan some money so I can fix the damage in my house. The mortgage company didnt want to release funds so I can finish the work and get new insurance. The new insurance wanted to see that the damage was fixed before they can insured me, which took 4 more days from the day of the cancelation. I was stuck with having no money to fix and the time I needed to get insurance. I spoke to XXXX at the bank many times, he told me to XXXX XXXX and it is his rules and if I want to get funds, I needed to finish the houseI had no money! I explain to him that without releasing funds I can not finish the work.well he said it my problem. NOW, 2 years down the road the bank is trying to bully me to pay insurance worth {$8900.00} that I dont need or want. After back and forth they now reduce it to the 4-5 days that I didnt have insurance due to them holding my insurance money. They did that on purpose as XXXX said he will teach me a lesson. Because of them not releasing MY FOUNDS it took me 4 more days to finish the work so the new insurance see that its all fix and I can get a new insurance. This mortgage MB Financial is something else, the worse mortgage company I ever had. Unfortunately there is no one to talk to about this and I understand they have the right to go into my impounded account and take the claimed insurance. I dont authorize them to do this! I want to take them to court if they will charge me. This is crazy!! They want to charge me for 4 days of insurance from 2 years ago.
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 protected consumer rights to privacy and confidentially under 15 U.S.C .1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 

15 U.S.C. 1681 Section2. 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 agency may make any consumer report containing any of the following items of information, other than reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate.
Product: Credit card or prepaid card

Good Afternoon Capital ONE Representative, How are you and hope you're safe and sound during this global pandemic here. I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with Capital ONE since XX/XX/XXXX with no late payment and then i saw a late payment marked on XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. I work in XXXX  Industry ( XXXX  XXXX XXXX ), and even though I haven't worked since late XX/XX/XXXX i still pay my bill and fulfill my credit obligations. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.