23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX XXXX XXXX XXXX '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing XXXX with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fung 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 168:1 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

PayPal have decided to close my account as of the XX/XX/XXXX and have given me no reasons why they have done this I have XXXX in my account which I desperately need as I lost my job due to covid19 I sent all items via XXXX and sent proof of postage and have positive feedback I have tried calling PayPal at least 79 times and never can get through and everytime I email them I get an automatic response I dont get a person they are so unhelpful and also I have XXXX children and desperately want my money I have reported PayPal to many services they cant get away with this as there hold my funds for 180days ( 6months ) are they mad its my money Im intitled to it its against the law to hold my money please help me get my money
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 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 36 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card

I currently have a balance transfer offer on my account that should give me no interest until XXXX 2018. They stated that I could either transfer the money to my bank account on file or to another credit card. I took some time to ask about the details about the transfer and a few minutes later I attempted to take them up on their offer. In doing so, I was told by customer service that I could not take part in the offer becuase it had " just expired '' and was no longer available just after confirming that the offer was good until XXXX XXXX i was then told the only way to get this offer was to use promotional checks that I do not possess. I asked about these checks and ir was confirmed by customer service that there were none sent out for these offers. This is a simple " bait and swich '' scam and a deliberate attempt to NOT allow customers to take advantage of an advertised offer ; this needs to be investigated and criminal charges need to be filed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently been a victim of identity theft. This unfortunate event has led to unauthorized and fraudulent activities on my credit report. I am deeply concerned about the security and accuracy of my personal information under your stewardship.

In addition, I believe there may have been violations of the following United States Code ( USC ) sections : 1. **42 USC 408** : This statute makes it a felony to misuse Social Security numbers . If my Social Security number was used improperly or without proper authorization, it could potentially indicate a violation of this statute. 

2. **15 USC 1602** : Part of the Truth in Lending Act, this statute provides definitions for various terms related to consumer credit. If there was any misrepresentation of credit terms or failure to provide necessary disclosures, it could suggest a violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply unless there's an issue with a specific financial instrument involved in the identity theft.

I kindly request that you investigate these matters promptly and take necessary actions to correct any inaccuracies in my credit report due to the identity theft. I also urge you to enhance your security measures to prevent such incidents in the future. 

Thank you for your immediate attention to this serious matter. 

Best regards, [ Your Name ]
Product: Debt collection

X/XX/2017 Thursday @ XXXX, {$620.00}, the store manager XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Ph : XXXX right off the bat during the welcoming into the office displayed by the Manager XXXX actions of hatred towards myself in front of my wife, all while she harassed me, with a hostile, tone by disrespecting my wife and I used all while using Abusive Misconduct Language being very rude, ill minded, demonstrating poor Unprofessional MisBehavior in public on office site grounds. 
All in the event of my wife and I walking in to open a new loan under her name. 
XXXX XXXX the Manager instantly verbally attacked me pushing for me to make a payment, when my loan account had been charged off. this so called manager did n't have the common courtesy and Respect, Integrity nor decency to apologize to my Wife and I for such ill display of misconduct with negative impulsive behavior and has made such a negative impact we the way there business practice are handed. my wife and i realized that XXXX XXXX the manager was actually threatening me in front of my wife in order to attempt to collect a charged off account debi. 
XXXX XXXX stated while claiming that I owed her money that it was her money she lend me. I avoided engaging in any form of conversation due to XXXX XXXX the manager 's low childish standard display of unprofessional attitude and misbehavior that was being projected to deliberately pushing and provoking to instigate some type of argument. which she was using her authority position as manager in instill fear and create scare tactics in order for myself to pay her something. I told her, No that I was n't going to make no such payment especially displaying such hostile, insulting and offensive tone, attitude, and immature manner. After her outburst of Rage, I remain clam and kept my composure only for the reason that My wife and I needed to take out the loan due to a emergency of personal private matters. I inform the Manager that I will be coming back to discuss filing a Complaint and she laugh.
Product: Checking or savings account

My Chase account has been restricted due to a deposit that was made. I made a deposit for around {$8300.00}. I forgot the exact amount. The check was from the Treasury of the United States and to XXXX XXXX XXXX. My friend asked if I can deposit the check into my account because she has no bank account as of right now. She is currently an XXXX  XXXX. She has trusted me to deposit the check. Chase first put a 10 day hold on the check, the check cleared, then Chase put my account on restriction after the check cleared. I called asking what the concern was considering, the check is in fact real, XXXX allowed me to endorse it and deposit the check, what is the issue now? So I called and they told me they need XXXX 's number to verify her in their system. I give them her number and it comes back unverifiable. They tell me that the number has to be tied to a postpaid phone, ( a contracted cell phone ) which to me is insane because even I don't have that. People do not have the money to put {$400.00} on a down deposit for a {$1000.00} phone plus pay {$100.00} per month for the phone and phone plan, if I can't do it, what makes you think a undocumented individual can. I called twice in regards to this verification. 

Then I called your XXXX XXXX  to see if there was any other way to deal with this because this was too much and at this point, the funds were there, XXXX is getting upset and I personally don't want her to think that I am stealing her money!! 

This is XXXX XXXX!! Their verification system is XXXX and made to ensure that people dont get the money!! They want you to giveup!! Im reading COUNTLESS STORIES ON HOW CHASE IS HOLDING AND TAKING PEOPLES MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to make a payment on a bill I owed. They informed me they sent the account to collections. I asked for the collector and the informed me Cain and Werner. After speaking the collector on XXXX XXXX, XXXX setup an arrangement to pay them monthly {$51.00}. I also made a payment on that same day. Then, on XX/XX/XXXX I was notified that I have a new collection account. That is illegal they didnt provide me with 30 days to respond to the debt before putting it on my credit report. They didnt know whether the debit was valid or not but they decided to add it anyways. I wasnt notified at all. Did receive any letter, phone calls, emails or anything. If they were sending letters, it probably went my old address XXXX. XXXX XXXX XXXX, La, but I have been gone from that address for over an year. If you read the complaints on this company theyre always doing illegal XXXX. Ive been hung up on 10 times and the service it XXXX!! Ps** Ive attached a screen shot from my bank. The transaction happened on the XXXX but posted to my account on the XXXX. I work at bank and transactions takes two to three day to hard post.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Checking or savings account

I am a victim of fraud i tried to open acount at XXXX  not knowing someone has open not one but 2 accounts with my social security bank amercia reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please i need help with these 2 items
Product: Student loan

I saw an ad for student loan forgiveness for students of XXXX XXXX XXXX XXXX. I submitted contact info. ( phone number ). I received a few texts to call an XXXX number. I called eventually going over relevant information regarding my student debt. I regrettably gave my XXXX. I didnt have time to go much further with the questionnaire so i asked the man to email me the site. He said he would right then and then the phone got disconnected. I tried calling each number multiple times today but it always disconnects.
Product: Checking or savings account

I lost my debit card on ( XX/XX/year> ) and someone made a withdrawal from my account that total the amount of XXXX XXXX. As soon as I saw this I immediately went to the closest Wells Fargo location to report these transaction as fraud. Wells Fargo said that this will be a tough case to prove that this was not me or anyone that I know that made the withdrawal. I want them to check the cameras to see who exactly made the withdrawal, because XXXX out of the XXXX transactions was made " in a wells fargo branch '' and the other one was from an ATM location. 

I now have video evidence of the person that stole my debit card to make these withdrawals. Filed police report. Wells Fargo is such a disgusting and bad company to bank with. They dont issue a temporary credit as they drained my bank account. They didnt even stop the transactions or check ID as they made multiple withdrawals that triggered overdraft on my checking account. When that happened they instead started drafting my savings account. When that savings account was drained, they drained another savings account. Terrible as none of these transactions triggered an alert in order to stop this. I used to have problems withdrawing more than XXXX as they would check my ID and ask for information about me. But this time they allowed the fraudulent people to drain the entirety of my accounts with no questions asked. Absolutely ridiculous.
Product: Credit card or prepaid card

I was supposed to receive a credit for the account assure being charged on my victoria secret card and to date have not received anything. I 've been paying for this service since before  XXXX     2016. T here is no answer when you call the phone number they provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter off on XX/XX/XXXX to remove personal information and address that is inaccurate and don't want in my credit report. no action has been taken. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. the names and address is included in the attach document that I filed with identity theft.gov Moreover, I also request those inquiries below to be deleted since they are unknown to me and inaccurate, nothing has been done. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

We fell behind on our payments on our Home Equity Lline of Credit. After several attempts and complaints we were finally modified by our bank. However the modification we signed and our statements are not matching. We modified into a 15 year fixed rate loan with an interest rate of 2.740 %. Beginning balance was to be {$230000.00} which we feel is incorrect and we have sent inquiries on this but to no avail has the bank answered. We feel we were cornered into signing this or we would have lost our house. <P/>We made our 3 trial payments and have been paying monthly since. We are behind a month due to the renter of the property not paying us but the real issue is the way the statements read and issues with the modification itself. Attached is an amoritizattion schedule which was run and the amounts no way match the statements being sent to us. We need to know where every penny went and how it was arrived at. Also we have never received a signed modification by the bank and we signed this modification back in XXXX of 2016. Also this modification was to be recorded. As of today this has not been done. Attached is a copy of a runoff from the County recorder showing no modification recorded.
Product: Vehicle loan or lease

Filed a dispute against the negitive mark on my credit report by CIG Financial. After the investigation, CIG raised my balance owed by {$1.00}, thus lowering my credit score by roughly 85 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Credit Acceptance after remaining balance was due after total vehicle loss. They worked out a monthly payment plan to be paid until paid in full. Payments of {$250.00} have been made each month since the agreement and the company still reported my account as delinquent. They informed me it didnt matter that I had an agreement to pay monthly and have been making my payments on time every month, that its still considered delinquent and Im in default. I have made four payments of {$250.00} since XXXX of this year ( 2018 ) with no issues or reporting to the credit agency. I did call to discuss this matter as to why they reported me and they told me they have the right to report me even though we agreed on a payment arrangement because I have not paid them in full and I am not paying them interest no longer.