23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX, Account # 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: Mortgage

XXXX XXXX ( XXXX  # XXXX ) with Rocket Mortgage cold called me after noticing my credit had been pulled to request that I apply with Rocket Mortgage. Over the phone, we completed a general app to learn terms/fees/etc. Afterwards, I decided I would prefer to work with someone local, so did not plan on moving forward with the company. 

A few days later, I missed a call from XXXX XXXX. Afterwards he sent an email scheduling a follow-up call the next week. I responded to the email indicating I was not interested in working with Rocket Mortgage at this time, and that he could withdraw my application. 

The following week, I missed a call from XXXX XXXX again. Another scheduling email was sent to me, which I responded to indicating again that I was not interested in working with Rocket Mortgage. XXXX XXXX text my personal number quickly after requesting I call him to answer some question. I responded no. I received another email after that, requesting my agent information so that he could add it to my profile. I replied indicating that he should not contact me anymore or I would be filing a complaint. Shortly after, he emailed and text my personal number again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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 an Account without my written instructions.
Product: Credit reporting or other personal consumer reports

Credit card from Capital One and a Company named XXXX. I called Capital One several times and told them that I never had a credit card with them, also a company named XXXX. The year when these accounts were opened my job explained that our personal information was hacked and our personal information was compromised in XXXX or XXXX not sure but with XXXX XXXX XXXX. Now the debt collector is trying to collect a debt that over 25 years ago. Can someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2018, I was contacted by IQ DATA via telephone, regarding an account, about which I had no knowledge. I immediately informed them that the account must be a mistake or error and requested that they verify the validity/origin of the debt. Initially, the operator I spoke with couldn't tell me much about the alleged debt, except the original source - XXXX XXXX XXXX. I explained that not only did I not owe promenade towers anything, but I actually never got my deposit back from them when I previously moved out of my apartment, so if anything, they owe me some money. I said this in a phone call they recorded the very first time I was contacted by them. 

The operator went over after-move-out charges with me, that totaled less than my security deposit and when I pointed out that this might've been where the arithmetic error occurred ( perhaps turning a negative number to positive, I'm not sure ). I was informed that " there must be more charges somewhere. '' Well, I again asked that they verify and validate that in writing with me. I sent my request in writing and what I received back from IQ data was merely a copy of the document acknowledging that I do not owe any money. Rather, I am owed money. This math has been stated by IQ DATA, and confirmed in writing by their own documentation, which I have included  here. Yet they are still saying that I owe them money. 

Again, individual operators have admitted to me that the math doesnt add up, but they still continued on with saying that I owe money. 

Page 2 of the attached document that I received from IQ Data shows my security deposit in the amount of {$530.00}, and after-move-out charges in the amount of {$63.00} for countertop replacement, {$48.00} for painting and {$200.00} for rent ( {$310.00} total ), I am owed {$210.00}.

I have twice pointed this out to IQ Data and have not heard anything from them in months. It has been far longer than thirty days and they have failed to verify or validate that I owe them any debt, which they are required to do according to the FCRA. They have instead demonstrated and admitted on multiple occasions that I am owed {$210.00}. Therefore, this account is fraudulent and should not be on my credit report and I ask that it be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have an account with American Express. I asked for and got an additional card for my wife. This card is tied to my personal account and is not a new account with American Express. This is verified on their website and pre their representative. One week after getting the additional card, American Express added the account to my wife 's credit report as a new account with an outstanding balance! But, it is not her account and she is not liable for the balance due or the monthly payments due. 
American Express needs to remove this information from her credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account Name RECEIVABLES PERFORMANC,XXXX Original Creditor XXXX Open Date XX/XX/2017 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX, XXXX, WA XXXX , ( XXXX ) XXXX
Product: Debt collection

I have submitted a complaint with the consumer financial protection bureau. 
The Debt company and Apartment company responded with a bill of costs that are due. 
I submitted an online application. The decline was immediate for I was not accepted to be a residence of 8 eighty apartments. 
The total cost of the online application I see is {$52.00}. 
I do not know why there is a NSF fee of {$25.00}. 
There should not be a holding fee for there never was a hold for an apartment. 
There holding fee is {$200.00}.
Product: Mortgage

Chase Mortgage, represented by XXXX, refused to accept my husband 's XXXX to which I am the Attorney in Fact. I sent XXXX the XXXX for the purpose of refinancing a XXXX joint ) mortgage. I wrote XXXX that Chase " is legally responsible to honor powers of attorney that have taken effect unless there is a fatal flaw such as a forged signature. '' I also reminded XXXX that since XXXX and I are current Chase customers, they have his signature on file for purpose of confirmation. 

XXXX replied " Unfortunately, we do not recognize POAs for the purposes of originating a new loan. '' It is my understanding that banks neither the legal right to refuse a PPOA ( without a fatal flaw ) nor are they permitted to have a policy of refusing PPOAs.
Product: Checking or savings account

I have a checking account last year 2022 got closed because I deposit a check it was so large suddenly got closed due to this check.
Product: Debt collection

While applying for credit I came to learn that I had a judgement against me from XXXX XXXX. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.
Product: Mortgage

For the past almost 2 years I received a loan modification form Nationstar Mortgage, ( Loan # XXXX ), I have been paying religiously on time for said time. This has helped rebuild my credit profile an score improving my credit worthiness and improving my financial quality of life. 
Unfortunately Nationstar has been negligently reporting my payment history incorrectly for said mortgage. Most recent evidence of their inaccurate reporting methods and collections practices is evidenced by attached documents which demonstrate my ontime payments and a letter in which Nationstar has reporte me 30 days past due or delinquent to a ll XXXX bureaus and is wanting me to communicate about this with them. 

It is v reprehensible that I have complied with all my responsibilities as consumer to pay on time and slowly have tried to rebuild my credit history and Nationstar by its negligent actions is destroying my financial creditworthiness. FCRA and FDCPA laws were enacted to protect consumers from specifically these type of actions by creditors, specially when it affects disproportionately a double minority group as in my case a single parent ( XXXX ). I stand to loose the credit cards and financial considerations I have received over this last 2 years from other creditors due to my improving financial credit record by the negligent and unprofessional actions effected by Nationstar Mortgage I expect immediate correction of my credit bureaus reports. Apology and retraction letter by Nationstar Mortgage and the payment of all FDCPA and FCRA violations fines which should credited to my principal mortgage balance for damages and penalties payable to me as a consumer. 

I may be reached at XXXX or email at XXXX KInd regards, XXXX Loan # XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I got calls and voicemail from an unknown number of XXXX XXXX from XXXX County, that was contacting me in regards to claim # XXXX XXXX county XXXX order of location, and the phone number I received was XXXX. Called began on XXXX till XXXX when I changed my number and put my old phone, house phone, and new phone on the " Do Not Call '' registry. Now on XXXX ten days later, they harassed a family member of mine from out of California with the same information regarding a claim file against me within XXXX county and a warrant for my arrest apparently. Despite I called the XXXX County 's Sherriff 's office no warrants exist for my arrest I've called on XXXX at XXXX XXXX and now again this evening on XXXX at XXXX XXXX  to verify. This is a nightmare for me and my family. Please help!
Product: Credit card or prepaid card

Sent two letters thru the mail stating that I have an credit card account with XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX the card is a XXXX Card? It states that my card has been suspended due to irregular transactions and my card is permanently closed. I don.t know who this bank is. I tried to call them and they wanted personal information over the phone, one letter even asks for me to send them this information. 
I feel like I have been targeted and they are fishing for information. who is this bank and why did they send me these letters when I do not have any dealings with them. I am not responsible for any account opened with them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Someone stole my identity over XXXX years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a XXXX XXXXXXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XX/XX/2024, which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. Notably, XXXX, XXXX of the XXXX major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 
I have attached all supporting documentation, including evidence of the payment made on XX/XX/2024, history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, a letter with my complaint, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. Please address this dispute within the XXXX period required by the FCRA.
Product: Credit card

On XX/XX/XXXX, I placed an online order for delivery through XXXX 's, which was immediately canceled due to " technical reasons. '' Upon contacting XXXX 's, I was informed that delivery services are not available in my area at this time. While I received a refund for the item on my order, the delivery fee was not refunded. I reached out to request a refund for the same-day delivery membership charge, as the services were neither rendered nor could they be provided due to the technical issues- services not provided to my address. I was provided with reference number XXXX and informed that the transaction reversal could take up to 8 days. Although my account profile shows the transaction as canceled, I have not yet received the refund. I contacted Capital One and received automated responses indicating that the merchant provided confirmation showing no cancellation per policy. However, this information conflicts with the fact that the transaction is marked as canceled in my account. I did not cancel the order ; it was canceled by XXXX 's. I believe there may be confusion between the same-day delivery service and my regular membership.
Product: Checking or savings account

While I was in jail for a weekend someone got access to my account and card and spent almost a thousand dollars. 
I immediately changed my password and ordered a new card and reported it to Chime. 
They almost immediately denied my claim and repeatedly said they would send me documentation of how they reached that conclusion and never did. Not once after offering at least ten times and me saying I wanted them. 
I've gone back and forth with them for over a year now and they have no interest or desire to even respond to my messages anymore except with the same generic response. I shouldn't legally be held liable for more than {$50.00} since I took all the steps I should have in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XXXX and XXXX, my account was closed, which is incorrect as my account has always been open. 
During this time my balance increased over {$5000.00}, which is incorrect. 
They reported my vehicle was repossessed, which was false reporting as my account has never been repoed. 
They changed my payment history from 75 % to below 20 %. 
Lastly, I emailed them from my same email address with my name and account information and they posted my payment to someone elses account. Im not listed on that account and never have been associated with that account. They now refuse to accept any type of emails from me, please see attachments. And refuse to accept over the phone payments. I call and call and no answer. Ive since had to use a separate phone number in order to get them to answer the phone.
Product: Credit reporting

I have two account on report that should be deleted. Both have been on credit report for more than 7 years. 

1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX
Product: Vehicle loan or lease

My vehicle was repossessed in XX/XX/XXXX when I was advised a few days prior to make a payment to keep my account in good standings and I did that. They then repossessed it on a Friday but we picked it back up on a Tuesday morning. I contacted them to pull the recorded phone call in which they declined to do. Its caused an impact to my credit score in which I can not obtain credits or even trade the vehicle in. Ive been unable to work at times due to the vehicle being in the shop such as XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & now again XX/XX/XXXX. Advised this to the financing company even reached out to a lawyer for lemon law to discuss since this vehicle has so many engine issues and if I dont work I dont get paid. They wont help me at all.