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

My Netspend prepaid mastercard account was locked, Netspend asked I provide them photos with my identification cards, then NetSpend refused my federally recognized tribal photo identification card and my Bureau of Indian Affairs photo identification card with social security number ( which Social Security Administration ACCEPTS as government issued social security number identification card ) NetSpend has committed racial discrimination against me ( an Alaska XXXX woman  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by refusing my federally recognized government issued identification cards ; locking me from my account/funds without giving me a reason why and refusing access to my own funds- funds that were provided to me with assistance from my XXXX council/government XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; I utilized my account with NetSpend to purchase equipment/materials for my sole proprietorship
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt it has been 30 days and you are in violation of this law because I am a victim of identity theft please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation Under, 15 U.S. Code $ 1681b Permissible purposes of consumer reports in general subject to subsection any consumer any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. I am demanding of the deletion of the account listed immediately
Product: Money transfer, virtual currency, or money service

Paypal limits my account for 180 days, which leads me to stop all my work, because my capital has been held, and I request paypal to let me continue my work, or send me my money to start something in my country to be able to live. 

This is my email : XXXX XXXX
Product: Student loan

I CONTACTED THEM FIR A SETTLEMENT DUE TO XXXX OVER THREE MONTHS AGO AND HAVE NOT BEEN GIVEN A DECISION YET.
Product: Credit card

I am in the process of getting a divorce and have removed my future ex-partner as an authorized user on my Chase Freedom Unlimited and Chase Sapphire Preferred. I did this on or about XX/XX/XXXX. I also requested new credit card numbers so she would no longer have access to those accounts. However, recurring transactions authorized by my ex-partner prior to our split continue to be charged against my card. I dispute each transaction, and until yesterday Chase has been amenable to reversing the charges. I am currently disputing a {$200.00} monthly recurring transaction. Yesterday, I was advised by Chase that the burden is on me to call the merchant and cancel the recurring transaction, despite the fact that I did not authorize this charge and it occurred after my ex-partner was removed as an authorized user and the credit card number had been changed. They opened a dispute for this charge but I am not confident the charge will be removed from my account.
Product: Debt collection

XXXX is basically saying I owe them XXXX dollars and it is effecting my credit score. At that time I did not own that vehicle anymore and do not owe them anything Around this time someone was using my information for accounts I have reported this Also capital one says I owe them over XXXX dollars however I never ever had capital one. My mother who was always using my information to get what she wanted may have been the case however she is dead and I do not know what to do but I need all of these off my report please help me
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address listed on my report, which is XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello below are the companies I've reached out to several times and still have not provided any validation of these accounts. They are both reporting from the same account number with two different names this is a serious violation according to the consumer laws Under 15 USC 1692G Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

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

This is in reference to a previous case XXXX regarding ChexSystems. 

I would like to clarify my dispute for this company I placed a security freeze on file with chexsystems last year. The reason for this is credit unions are generally used for credit products but require a share into savings. Sometimes if just wanting an auto loan or credit card or loan product will allow you to continue with chexsystem frozen because they run your credit through a bureau. 

My dispute is quite simple. 

During the time the report was frozen, you are still recording inquiries as if they viewed the chexsystems file. I understand the data was not shared but because you are recording the inquries under " inquiries viewed by others '' it impacts my file. 

Lets say I decide to unfreeze and the next CU I apply at reviews my file. They will then see all these other inquries into my chexsystem file because they are under that section while in reality they did not even see my chexsystem file. In addition, inquiries are calculated into your score which according to FTC, while in a security freeze this will have no impact to your score. If you want to keep record of it that is fine however this needs to be put under the section only reviewed by you. Which is 100 % true since those companies were not able to see my file. 

Finally, many pulled multiple times because they were trying to access file. Example would be XXXX XXXX XXXX and XXXX. 

For you to record the data into the section viewed by others when they actually never saw my file is not accurate and therefore reporting inaccurately. All the other credit bureaus when you have a freeze or a lock will let you know you tried to access file but keep no record of it in the section viewed by others.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX  Date opened XX/XX/XXXX Balance {$380.00} Status Account charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Paid, Closed. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Paid, Closed. 


Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX  documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX XXXX  XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.
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 proce 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 XXXX 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

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, Capital One purposely provided to XXXX and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached Capital One bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns due to Zelles handling of disputes, as in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

We submitted a mortgage assistance packet to Rushmore mortgages for a loan modification and was denied based on my credit & says that I have insufficient income. The denial based on my credit does not specify a reason so its unknown and I have no way of defending my self on this, but the denial based on my income is incorrect I am a taxi driver so my income fluctuates every week or daily and I feel its unfair they based their decision on a lower amount instead of looking at the whole year and determining what my average income is. If they would have used my average income I could have easily qualified. It's very unfair that I may lose my home due to someones bad mathematics
Product: Credit reporting or other personal consumer reports

This account was opened on the following dates from the consumer report There are no on time payments This is inaccurate payment history reporting. I should have active payments this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Experian and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have the XXXX XXXX XXXXt card I have been paying. I noticed today that every month I've been being charged ridiculous fees for " Card Security '' for which I have not signed up or have been notified that I was being charged. I use automatic payments and have not realized I have been charged hundreds of dollars within the past year. Within the past 3 months, I've been charged {$50.00}. Other months charged me over {$40.00} for a single month. It is absolutely ridiculous.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due  process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. On XX/XX/XXXX  I called Equifax and requested a freeze on my credit profile. On XX/XX/XXXX   I mailed Equifax and highlighted the identity theft accounts I did not open and provided the account numbers and origination date in my FTC identity theft report, I printed this out for them signed it and did a sworn statement in front of a notary. I included a copy of my passport, my drivers license my social security and a pay stub along with a copy of the police report reference number I filed with the XXXX police department with officer XXXX of the XXXX XXXX fraud division. I received a response in the mail from them XX/XX/XXXX  They first said that i am missing either essential personal identifying information or specific account information that would let them verify the account. In my FTC identity theft reported i clearly outlined the accounts they were reporting that were fraudulent, I got the opening date and account numbers directly from XXXX website. I feel as though this is just a stall letter from them to discourage me from resolving this identity theft mess I am in. They also said in accordance with section 605B of the FCRA they determined that my request for identity theft removal had either 1. been made in error 2XXXX is a misrepresentation of material fact 3. obtained possession of goods or services. I am attaching all previous correspondence with Equifax including my certificated mail receipts, FTC identity theft report and my correspondence via mail with them. 

This is seriously damaging and effecting many things in my life. Im attempting to get this resolved with Equifax one last time via the Consumer Financial Protection Bureau. Their response was very upsetting as the fraudulent accounts they are reporting of me are destroying my life financially and they havent taken the time or consideration to resolve anything. Ive given them the chance to work with me and resolve this, Ive spent many hours days and weeks with them trying to get this resolved but absolutely nothing has been resolved or even attempted to be. they dont seem to care if they are reporting fraudulent accounts on my credit report under my name, nor the impact it has on my life This is my last attempt to resolve this via the CFPB otherwise I will be suing them directly with my consumer protection attorney Ive already discussed this with. 

On top of all this Equifax leaked my social security number my phone numbers, addresses, past employers on the internet via their data breach. Its upsetting to me that XXXX refuses to help resolve this and are so quick to deny my claim because they said I am missing personal identifying documents when I already included a copy of my passport, social security card, drivers license and paystub. Its absolute insanity to me their willful neglect to resolve anything.
Product: Debt collection

This company, i.e., JEFFERSON CAPITAL SYSTEMS LLC ; Dept. # XXXX ; XXXX XXXX XXXX ; XXXX, AL XXXX been harassing myself about a XXXX XXXX bill from year 2012 that was created by being a victim of identity theft. 

I have contacted them on three occasions mainly via phone to disease and desist from attempting to collect a debt that they do not have any legal standing to collect. I warned them they are in violation of Regulations E ; and Z of the Federal Code of Regulations ; also federal statute under Title 15, USCA.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX bank XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX my credit bureaus have added a new hard inquiry from an unknown authority. The XXXX XXXX inquiry did not come from any inquiry of my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 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 more than 7 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

The account is not mines and I ask them to validate the debt and they couldnt.