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

Capital One is blocking from using external applications. The third party site I was using, which gave me this error, said this would be a good place to lodge my complaint. I feel I should be in control of who uses my data not them.
Product: Debt collection

Well, I would like them to send me a written notice with my full name, Social Security number, the date when this alleged debt began, and records showing which company I supposedly owe. I want the names, addresses, Social Security number, and all the relevant information they claim to have, provided to me in writing. If they can not provide these details, I would like the debt to be removed from my credit report, as it is unfair for them to have no valid information about me while I allegedly owe them money. 

I also want to know exactly which company they are, because according to what I found online, they are a law firm. If thats the case, then they should have all my information. For me, the solution would be simple and practical : either they provide the necessary details or they remove this debt from my credit report.
Product: Bank account or service

A hold has been placed on a deposit made to my checking account and JP Morgan Chase wo n't tell me why.
Product: Credit reporting or other personal consumer reports

My husband I bought a XXXX Hyundai XXXX XXXX XXXX XX/XX/XXXX we have a lot of problems with the car asked for a buy back from Hyundai and turned in a foramal complaint, we tried to trade the car its reporting incorrectly on our credit file that we had a Kia deqent on the loan, is all a lie we bought Hyundai its financed with Hyundai of America never been pat on any pmt, my 4 th pmt is due on the XX/XX/XXXX, the car is a lemon, weve asked for a buy back, as soon as I turned in the formal complaint the miss reporteing started! Its runined our credit kept us from buying another car!
Product: Checking or savings account

I called bank to check on balance and was concerned as the amount was less than it should be, the next day I called and my account was over draft. The bank informed me of transactions I was unaware of from my ATM card they suggested to get a new card and so I did this time they did not provide a claim numbe. 
The nex day I clled again and now the over draft was larger and I agin stated it was not me as I keep track of my transactions as I am trying to save some funds towards the future. This time I recieved a claims number. They issued another card. I chekced again and the amount had increased for the over draft and was told that the card was used and I became concerned as I had yet to activate the card. The bank said they would put a hold on the card. I was issued another card and when I called the bank it had been used again. It was a new card and it was yet to be activated!! the bank suggested that I closed the account and restart new. I can not close as my account is overdrafted. they issued another card I did not activate it .... the new card was used the over drft was less than two hundred it is now almost three hundred. I have threee new cards and have activated no cards but someone is still using my ATM cards!!
Product: Money transfer, virtual currency, or money service

I have tried to contact cash app about a fraudulent payment but they refused to provide me with the documents they used to investigate and deny my claim.
Product: Checking or savings account

On or about the middle of  XXXX  I immediately notified Sun trust Bank of unauthorized charges with my debit card in the amount of {$8100.00}. I filled out the proper forms required. Afte r 10 bus iness days they denied my claims and did not refund any money. Upon receiving the denial notices I immediately followed their procedures again and filled out their rebuttal forms as to why my cases should be reconsidered. After another 30 days of waiting they gave me credit for  XXXX  charge {$250.00} out of approximate  XXXX  disputed charges. All charges had the same or similar description just different amounts. I am still out {$7900.00} approximate that still needs to be refunded. How the bank comes to the conclusion that I did n't authorize the  XXXX  charge they gave me credit for, but says I 'm responsible for the remainder of the charges is quite confusing since all the the charges had the same description which I did not authorize. The documents are attached for your review from sun trust bank. I simply want my money back. Thank you for your time and help.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to find inaccurate accounts on my credit report, and I have no clue why theyre there. I routinely check my report, and this time, these mistakes showed up unexpectedly. I refreshed my browser, thinking it might be a glitch, but nothing changed. I need the documents I provided to be thoroughly reviewed to ensure this problem doesnt resurface.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I filed this dispute through XXXX XXXX. The XXXX  file number is XXXX. The amount was slightly reduced, but that is not good enough because I do not owe this debt at all. 

I closed an account with XXXX last year. Before doing so, I got very clear information from them what my options were in returning a leased phone to them. My new phone company would reward me more money for the used phone than XXXX would for the return. I once again confirmed the amount I needed to pay, and paid that amount. The next month they sent an additional bill claiming I owed more money for the phone. I would have returned the phone, however as stated above I sold it to my new phone provider. 

I paid the amount XXXX told me to pay, and closed the account. They are asking me to pay additional money that I should not owe. I am waiting to receive complete billing and payment history from XXXX. 

Furthermore, XXXX attempted once to collect the amount but I refused. After that I heard nothing about it at all. To date, the collection agency has not once called or written me, and all of my contact information has not changed.
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 XXXX 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. 
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: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, Their dispute solution 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously. 

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. 

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXX XXXX Charge-off {$4200.00} XXXX XXXX XXXX Charge-off {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XX/XX/2017 2. XXXX  XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 I have attached my FTC report and three forms of ID also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me for a full six weeks ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time. Eventually this will cost money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 


Equifax breach date : XX/XX/2017 Equifax breach disclosure to public via social media and not directly to consumer : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Alot of things that is reported on my credit should have been removed but is still being reporting. It has been pass the FCRA statue of limitations ( 7 yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still student loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.
Product: Checking or savings account

Pnc does not allow XXXX XXXX  to connect to my account anymore
Product: Vehicle loan or lease

On XX/XX/XXXX, I was sold a XXXX XXXX XXXXXXXX by XXXX XXXX in XXXX Texas for XXXX by XXXX and XXXX. I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Everyone in the dealership could smell and see that I was XXXX XXXX XXXX, they have all since admitted it to me, including the owner XXXX. They even tried to sell me another tractor then, however I was too XXXX to go through with it. My XXXX  date is XX/XX/XXXX. I do not recall much of the ordeal. They have an email registered to that account that I do not recognize. I dont think I signed the agreement, I dont remember. Within the last 2 weeks, I contacted the owner XXXX and although he agreed that I was XXXX XXXX XXXX, he did not grant me relief. I then contacted kubota credit corporation. Kubota credit then began a series of misleads. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX made consistently misleading statements about the email of record as well as their chain of command. Each of them sent me to each other, claiming to be the supervisor. I wasnt told if I received any veteran discounts or agriculture exemptions. To this day, Ive not been given a copy of the contract, that I can remember.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I had sent a payment of {$100.00} over PayPal for an item I was purchasing over XXXX. A few hours passed and I was sent {$400.00} from an unknown account and the seller was asking me to help in verifying his account by depositing the money into another account. Not knowing it was a scam I went ahead and helped out. I was then sent {$450.00} on XX/XX/year> and was asked to do the same thing, again I went ahead and did it. I only then learned on the next day, XX/XX/year> that this was a scam and then cut contact with the seller. I then called PayPal representative and relayed the situation and the assured me that I was fine and would not be in any trouble. The user who had sent me the money then filed claims against me saying that I had sold them something and they never received it. I escalated the claim and provided my side of the story. I then provided more evidence on XX/XX/year> and afterwards PayPal ruled in favor of the buyer.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, is a victim of identity theft I am demanding that these following items get deleted from my report. These transaction were never authorized by me and needs to be removed. Be sure to remove the items and to provide me with a copy of my report with the fraudulent items being removed. I am not aware of who's responsible for stealing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed many accounts and items that don't relate to anything I've done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XX/XX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

XXXX In accordance with the fair credit reporting act. Public law 91-506. Title v1 Provide the names and business of each individual with whom you verified the account with. Please send an updated copy of my credit report after your reinvestigation. 

the account has repeatedly been updated as charged off every month. The balance has been updated This is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF EDUCATION/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 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 instructions
Product: Debt collection

Their fraudulent information on my credit report is as follows : 1. File # XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. Opened XX/XX/XXXX 5. Balance of {$400.00} 6. Last reported on my credit report was XX/XX/XXXX ( first time with 2 agencies ) 7. No information on the 'type ' of account 8. Showing an 'open ' status after being in collection status from the beginning I requested an fraud investigation with the company and all 3 credit reporting agencies. They do not have a correct address for my home. They show no payments for XXXX yrs XXXX mos, but only collections status for each month. They make a false claim that it's from a water delivery company of which I have no knowledge. There are no signed documents for their services, nor any consent from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are not reporting monthly credit card payments on time. Payments are not reflecting on credit reports.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

kindly request that you block this Information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would Like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX automobile XX/XX/XXXX XXXX XXXX XXXX XXXX account XXXX XXXX installment date open XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date open XX/XX/XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiry XXXX XXXX XX/XX/year> Collection : 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 Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 I traveled to Procollect, Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX and attempted to pay a {$99.00} debt to ProCollect , Inc that was acquired from a overdue balance left with XXXX 's XXXX XXXX. ProCollect , Inc refused to accept my payment unless I also paid another outstanding account that they purchased that is over 10 years old. While there at ProCollect , Inc I spoke with 3 employees including 2 managers and they still would NOT take my {$99.00} payment for the XXXX 's XXXX XXXX account. Since I could NOT get any cooperation from ProCollect , Inc, I decided to go and visit the original debtor which is XXXX 's XXXX XXXX in which the management took my payment and gave me a receipt that I promptly tried to return to ProCollect, Inc. ProCollect , Inc would NOT take the receipt from XXXX XXXX XXXX XXXX ProCollect , Inc said that I would either have to mail it in or fax it to them. I did both, and after a couple of weeks I realized that the debt was still listed on 1 of the 3 bureaus. Coincidentally ProCollect , Inc called me this same day. ProCollect , Inc informed me that they would NOT remove the {$99.00} debt from credit file with XXXX   until I paid the other 10 year old debt that they had on their books. After threatening to contact your office I was very harshly informed of their lack of concern about me contacting your office. Furthermore, I also mailed and faxed a copy of the XXXX 's XXXX XXXX receipt to XXXX XXXX dispute department. XXXX   informed me that the debt could NOT be removed even though I sent them a receipt of payment, unless ProCollect , Inc says that it is ok to remove it. Your help in this matter is greatly appreciated. Thank You & God Bless