23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX while being held against my will by XXXX XXXX I was forced to transfer all of my money which was on a XXXX card, to my cash app card and then to him ... there were two charges one for {$2500.00} and one for {$2900.00}... I filed fraud with both card companies after I was free and he was in jail. XXXX XXXX rejected my fraud claims multiple times. Cash app just kept saying they were working on it and would let me know when they decided an out come. Fast forward to XX/XX/XXXX I receive an email from cash app saying they granted my fraud refund. They then deposited {$2900.00} on to my cash app card, and said they refunded the other XXXX to my XXXXXXXX XXXX XXXX ending in XXXX ... A card which was closed due to the fraudulent activity XXXX had done... Now cash app is stating the deposit was successfully and XXXX is saying there was no deposit. Each are telling me to call the other... It has already been over a year and a half
Product: Debt collection

In XX/XX/XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called XXXX and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?
Product: Debt collection

Southwest Credit Systems has placed an alleged debt account on my credit report without providing me with proper written communication first, giving me the opportunity to dispute the account. This company never even checked to verify if this alleged account was my own. I woke up this morning to see my credit score decreased by XXXX points for an account that I do not recognize. The original creditor XXXX was notified that the account was fraudulent due to ID theft and was permanently removed from my credit report last year. This account needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX XXXX and advised them that the collection account they took over was a fraudulent account and that it was already given to two other collections agencies within the last 6 months. There were two previous complaints filed with CFPB concerning this same debt, XXXX XXXX had this account and closed it out XX/XX/2018 complaint number XXXX, XXXX XXXX also got this account shortly after and once given the FTC report closed it out on XX/XX/2011. After XXXX closed out the account Convergent picked it up. XXXX sent me a letter stating that the account was valid because it had a bill attached, a bill does not mean that the account is mine. This was an account that was fraudulently opened in my name. This bill is not mine regardless of who XXXX sells this account to. I am not going to be responsible for an account that had no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grant & Weber INC and XXXX where paid XX/XX/2019 have copy that they where paid for before going too collection Also my address is wrong have only lived in XXXX XXXX
Product: Credit card or prepaid card

I have had my home depot card for almost 8 years. My limit was XXXX. They decrease my limit to {$500.00} and placed a late payment on my credit report. I have never been late on my Bill 's with them. They wont delete it. And it has ruined my score tremendously. Almost 100pts. 
They dont want to help and I am about to purchase a home
Product: Payday loan, title loan, or personal loan

In regards to CFPB complaint XXXX, please note that the complaint is about the following outstanding items : 1. If Title Max sold the car, no debt cancellation occurred in XXXX but in XXXX. The IRS needs to be notified of this error. 

2. Title Max indicated in their response to XXXX XXXX XXXX XXXX XXXX XXXX office in XXXX that even though they repossessed the vehicle they will not be claiming any amounts owed/due/debt cancelled. Doing so despite of writing to XXXX office to the contrary, is misleading to the customers. 

3. Please submit form 1099 C /send the 1099C filed with IRS for XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported inaccurate unauthorized information to report and I am demanding this account be deleted immediately
Product: Credit card

Financial services company, has opened a credit card account in my name without my permission
Product: Consumer Loan

On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )
Product: Credit reporting

Portfolio Recovery services continues to update false information on my credit reports. They keep reporting XXXX account as open collections. The accounts were well pas The SOL when they were purchased by them.the credit reporting agencies have removed them before only to rotate them to another reporting agency. I am sick of it The accounts in question are a very old XXXX Credit Card with a balance of {$900.00}. The other is a XXXX account/ XXXX. They are reporting a balance of {$1100.00} These account have been rotated around on each credit report.. These account were closed and sol between XX/XX/XXXX and XX/XX/XXXX. So why are they allowed to change dates and place thes on my credit reports as open accounts. I do not now nor have I ever had any dealings with this company. They should pay for every violation of my FDCPA and FCRA. Can you please get me some real answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

There's an amount on my credit report that has been there for the past XXXX years. It was paid for using XXXX XXXX XXXX but Experian, and all those other credit report refused to remove it. I file a claim through XXXX XXXX at least XXXX times to no avail. 
Please help me remove it and clear my scores Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Experian credit reports that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Product: Prepaid card

I received a prepaid gift card as a gift. I unwrapped the card for the first time at my computer so I could check its balance and register it online. My card number was not recognized. Next I called the number on the back of the card. When I entered the card number, it said the card does not belong to an account holder and the call can not proceed. I then went to their website where it said " Card not working? Click here to begin the process Click Here. '' I clicked and filled out their form, which again, did not recognize the card number. I then checked if there was an option to speak with real person over the phone. No such option is available.
Product: Credit reporting or other personal consumer reports

Got my credit report and found more inquiries that I didn't authorized
Product: Credit reporting or other personal consumer reports

I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and transunion told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been very irritating to work with. I spoke with XXXX XXXX back in XX/XX/XXXX to remove a negative account. They charged it off back in XX/XX/2016 for {$1900.00}. They decided to give me a second chance so they just cancelled it out. Spoke with XXXX and transunion after to let them know. I sent the letter from XXXX XXXX over to them both and neither have updated it. XXXX at least agreed to remove it where transunion just told me no. I also have 14 hard inquiries and should only have 4. 5 or 6 from the last week for a car. I have a car. Not sure why I have so many. The only ones I should have is for XXXX, XXXX XXXX, XXXX card, XXXX card and I believe a XXXX XXXX, one. Not even close to 14. My credit went from over 700 to less than 650 with these issues. Id appreciate if it can be fixed. Working on my credit to buy a home in a year or two so I've been careful not to do too much with my credit. I appreciate any help you guys can give me. Thank you.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2019 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information talent manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

Every time I am contacted by credit acceptance or call them. They use abusive debt collection practices. Demanding I make a payment immediately and then continue to ask why I am late. After, I have called and explained why several times. They refused to accept my card information until I tell them why I am late every time. I have asked them to stop using these tactics and they continue to refuse. This violated the fair debt collection practices laws. I have offered to pay them. Asked the rep. to please stop asking me every time she will not. Then refused to take my payment information. Making it a violation again.
Product: Credit card

I am submitting this complaint regarding JPMorgan Chase Bank , N.A . ( Chase ), for their lack of response to my hardship program requests and their failure to provide clear or timely communication about my eligibility. 

In early 2024, I initially inquired about enrolling in Chases hardship program due to financial difficulties. My request was denied, and no alternative solutions were offered. 

On XX/XX/year>, I again requested enrollment in a hardship program via Chases secure messaging system. I reiterated my financial challenges and requested clear information about eligibility requirements. I followed up with additional messages on XX/XX/XXXX and XX/XX/year>, but Chase has not provided a direct response to my request. Instead, I received a message on XX/XX/year>, instructing me to call their debt management department, despite my stated preference for written communication. 

Throughout this process, I have emphasized my preference for secure messages or email to ensure accurate record-keeping. Chases lack of clear responses and their insistence on phone communication have caused unnecessary delays and stress, while my financial situation remains unresolved. 

I am submitting this complaint to request resolution and proper handling of my hardship program inquiry.
Product: Mortgage

Requested multiple times for the company to cancel my private mortgage insurance, beginning on XX/XX/year>. No response. The loan is paid below 80 % XXXX, but the company did nothing to resolve this. Now theyre alleging that I didnt make a written request ( in response to CFPB XXXX # XXXX ), despite my documentation otherwise. And theyre hiding behind the fact that they transferred servicing of the loan to a new company. That doesnt excuse their lies or predatory behavior.
Product: Money transfer, virtual currency, or money service

I have cash in my account. I want to withdraw it to my bank account. The site says only a fraction of the amount in my account is available for transfer. This has been the case for a week. It will not allow me to withdraw money that is clearly in my account.
Product: Vehicle loan or lease

I've been trying to work on my credit and i noticed that i have an auto loan on my report that's not mine. I've been a victim of identity theft and have been dealing with this and setting up paramotors to protect my identity. I have no knowledge of this loan at all.