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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

XX/XX/year> XXXX account was XXXX Jefferson capital is reporting the same account with a different number XXXXthis need to be removed.
Product: Credit reporting or other personal consumer reports

Dear Experian, XXXX and XXXX, I am writing to dispute and request the immediate blocking of all fraudulent and collection accounts that have been reported on my credit report. These accounts were opened and used without my authorization and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the following fraudulent accounts and Collections accounts from 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 XXXX XXXX I also do not recognize the following HARD inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To support my claim, I have enclosed the following Documentation : XXXX ) A copy of my Goverment -issued ID. XXXX ) A copy of a recent utility bill. XXXX ) A completed Identity Theft report filed with the FTC. 

As required by law, please block these fraudulent accounts and refrain from firnishing them to any third parties.
Product: Checking or savings account

I called XX/XX/XXXX to ask why I received an email stating that my Chase checking account is restricted and will be closed soon and when speaking to a representative, they stated that they show that my account will be closed in the next 10 business days and that I cant really do anything about it. They also stated that they could not give me any reason on why it was being closed. I requested to speak to a supervisor and the supervisor said the same thing and that they could not give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine ARS ACCOUNT XXXX XXXX
Product: Debt collection

Made several attempts to fix this situation. SW Credit Systems continue to place an derogatory remarks on credit report. I have no idea where this debt occurred. Made several attempts to request contracts and company failed to comply within 30 days according FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts currently listed and showing on my XXXX and Experian credit report is lost/stolen : XXXX XXXX/Balance : {$330.00}, XXXX XXXX XXXXBalance : {$380.00} XXXX and XXXX XXXX XXXXBalance : {$500.00}. The following collection account currently listed on my XXXX credit report is a fraudulent collection account and not my collection account : XXXX XXXX XXXX, Balance : {$5600.00}. The following credit inquiries listed on my XXXX credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and Nebraska child has on my report as a charge off I child support was paid in full you can't charge off child support Experian saying they don't see it but its right there and I was denied credit because of it the charge off just showed up in last three months you can't charge off child support it was paid in full but they are reporting it as a charge off but also paid in full
Product: Debt collection

I was in XXXX  in XXXX, due to Wells Fargo trying to foreclose on my home. I tried making a loan payment to Wells Fargo in XX/XX/XXXX and I was informed that they no longer serviced my loan and I should get a letter from the new servicer. A letter from Wells Fargo was sent to my XXXX  attorney informing me that servicing of loan was transferred to XXXX XXXX  as of XX/XX/XXXX, and that XXXX XXXX or XXXX  would be the new creditor. My original loan Lender was XXXX XXXX XXXX  with XXXX as the beneficiary. Since XX/XX/XXXX I have received numerous different letters from XXXX about transferring the servicing to themselves in many different ways, after many conversations through email with XXXX about different topics of concern I had and asked for explanation on and they could not provide to me, I grew concerned if they actually even owned my Promissary Note. therefore I started to research through my County Recorders office on Deed of Trust filings and through XXXX  for assignments of my MERS number and I found that the last entry I see in XXXX  is with Wells Fargo and my XXXX  number is inactive. I believe that XXXX has been misrepresenting themselves as owner of my loan note when they actually do not. I have since requested that they stop communications with me and to provide me with a verification that I owe them a debt, by providing me with a copy of the contract or any documents showing valid purchase of my note. I just received a letter from LOGS Legal on XX/XX/XXXX NOT XXXX stating that I am in foreclosure through XXXX and to contact them in regards to the letter received. I am concerned that they are trying to sell my property illegally through an auction or something similar when they have no grounds to do so. I need someone to help me with all this misleading information.
Product: Credit card or prepaid card

I applied for an Indigo Mastercard on/around XXXX as recommended via XXXX XXXX  . Per Indigo, they would provide me a decision within 7 business days. I contacted Indigo and was advised by a representative that I needed to provide a copy of my state Id front and back and upon the company receiving it my application would be approved. I have faxed over my IDs multiple times and for a while the company claimed to not have relieved it. I eventually was told that they did have it and it would take an additional 7-10 business days. I ended up receiving an email from Indigo on XX/XX/23 which stated that my application was not approved because they couldnt contact me. I called back on XX/XX/23 and requested to speak with the application department because NO ONE tried to call me. And if so, this would be my attempt to contact the company back to complete whatever verification process they needed to to confirm I was the applicant so my application could be approved. I was told by a rep AND a supervisor that there is no one I can speak to directly about this and that someone would call me back. A few days later I called AGAIN and spoke to another super who said the same thing. I wasnt able to be transferred to anyone and shed send an email for someone to call me but that they dont always return calls. How is this acceptable that a company can claim they tried to call me but never did and then when i respond to the email and also the letter which clearly states to call if I have questions there is no one I can speak to? Either process my application and Ive provided yous with the information you requested, let me complete whatever else you need to verify my Id or take the credit inquiry off my credit report.
Product: Bank account or service

Money and Checks were laundered, embezzled by Bank of America, on a Student account held by BOA at XXXX in NM in association to a student loan over payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX customer with no contract. I was billed monthly in advance for service. I cancelled three days into the billing cycle and was told I would receive a pro-rated bill by XXXX  customer service. I never did receive the pro-rated bill. I called customer service and was given the run around, transferred from one agent to another for over an hour. One agent even said I was not billed in advance, I asked her to look at the bill, it clearly show the dates of service I am being billed for. I told them I would be more than happy to pay them what I owed but I will not pay for services not rendered. I have the original bill with notations of the dates I contacted them, in good faith, to resolve the issue. They threatened to put me in collections, that when I hung up. Now, almost a year later, I received a collection letter. I also checked my credit report and my score has decreased as a result. Dates of service being bill for were XX/XX/19 through XX/XX/19. I called XXXX   on XX/XX/19 to cancel. The agent I spoke to on XX/XX/19, after receiving another bill for the full amount, even acknowledged he sees a record of the call.
Product: Checking or savings account

Im writing in regards to the new account bonus that Chase is refusing to pay to me. 

https : //account.chase.com/XXXX At the above hyperlink is the offer I applied through when I opened my checking and savings accounts in XX/XX/XXXX. I clicked on XXXX both accounts so that I could receive {$900.00} when opening a new chase total checking and a new chase savings account and completed qualifying activities. The website is very clear in stating that Coupon code applied when you choose " Open both accounts ''. I did click on that button, and opened both accounts. I then completed the qualifying activities, by opening a new Chase Total Checking account, having my employers direct deposit made to that account within 90 days, opening a new Chase Savings account and depositing a total of {$15000.00} or more in new money into the new savings account within 30 days, and maintaining at least a {$15000.00} balance for 90 days. Per the terms, a total of a {$900.00} bonus will be paid out within 15 days of satisfying these terms. Chase has refused to do so.

I have sent Chase multiple secure messages through their proprietary portal, and have been told that the coupon was not applied to my account and so I am ineligible for the bonus. As I relayed above, Chases website states that by clicking on the hyperlink, the bonus coupon code will be applied to the account. In fact, when I clicked on the hyperlink, It stated at the top of the screen Were applying your offer. Attached is a screenshot of this. I do not know why Chase is claiming the offer was not applied to my account.

After multiple messages, an account escalation specialist named XXXX was assigned to the case. She left me a voicemail on my cell phone, going direct to my voicemail box without ringing. However, I have attempted to contact her 3 times to date and she does not answer her extension. She has not returned any of my XXXX voicemails. Today, XX/XX/XXXX, I spoke to an account supervisor, XXXX, who was unable to assist me further other than contacting the same specialist who would not answer his inquiries either. He states he is unable to connect me to any other person or supervisor. I have been unable to resolve this situation despite my best, and repeated, efforts. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX of inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When they said I was over my limit they said even though the app says the account is cleared its still processing. And they rearrange my account to make it look like it was, but it didnt show the extra fees on it when I called and what was on the statement was different
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Mortgage

i requested my monthly statements for 8 consecutive years but they will not comply.but they rather foreclose on me to take my property from me and after XXXX of staying i was told i have no equity in my home and they have taken it upon themselves to extend my mortgage for another eight years the company name M & Tbank my account number is XXXX please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to request my report from XXXX XXXX XXXX and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax. I have called Equifax multiple times and waited on hold for 3-4 hours to have them solve the problem and they have found no issues with my account. A supervisor was finally able to tell me that the issue is with my somehow having two erroneous/duplicate accounts with Equifax which must be merged. When he put me on hold to fix this, I was hung up on. I have tried calling to get through to a supervisor multiple times and one never becomes available. No customer service representative can find a fraud alert, block, or see the duplicate accounts associated with my account. Nobody from the company has offered to call me back and their policy is to tell me to hold until a supervisor becomes available, checking in every 5 minutes. This has been very disruptive to my week and caused me to be fired from my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights.

-15 U.S.C 1681 section 602 A. States that I have a 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 permission.
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 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

Between XXXX XXXX XXXX XXXX, Hurricane Ian impacted Florida. I called my credit company " Chase '' for Hurricane Relief. I asked for my minimum balance for the month of XXXX to be pushed until XXXX. They were able to removed my payment however, I was charged for the month of XXXX. I ended up paying them with money I dd not have. We then have a major tropical storm/Hurricane in XXXX. I called Chase once again for Hurricane Relief for the month of XXXX. I informed them that I did not received the relief I had asked for in XXXX as I paid for it. A supervisor went ahead and " Refunded '' me back the amount to my checking account and placed me on the relief program in the month of XXXX. Shortly after, I started receiving credit report alerts that I am " 39 days '' past due on my credit card with chase. As of today, my credit score has decreased badly because of this issue chase has caused and I need this issue to be fixed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries : XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as reported by Experian. The inaccurate item ( XXXX ) are as follows : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you are liable for negligent noncompliance with credit reporting requirements. The reporting of inaccurate or unverifiable information that negatively impacts my credit profile constitutes such noncompliance. 

I have attached copies of relevant documents, including my credit report and any supporting evidence, to verify the inaccuracies. I formally request that you : XXXX. Conduct a full investigation into these inaccuracies within the legally required timeframe. 
XXXX. Correct or remove the disputed information from my credit file. 
XXXX. Provide me with written confirmation of the resolution of this dispute. 

Failure to comply with the FCRA, including 1681o, may result in legal action, including claims for damages. I expect a response within XXXX  days, as required by federal law. Please send confirmation of this disputes resolution to my address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX many times asking them to remove inaccurate reporting from my credit report, but they never deleted wrong information they unlawfully included on my account, all my debts prior to XX/XX/2022 have been discharged BY ORDER OF THE HONORABLE Judge XXXX XXXX XXXX chief judge of the bankruptcy court for the XXXX New York, I sent them a copy of the judge 's order but the credit bureaus continues to report harmful and wrong information about late payments even though all the debts have been discharged in XXXX XXXX filing. again I ask them to immediately remove all late payments or negative credit reporting on my account Thank you