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

XXXX XXXX XXXX  abd XXXX XXXX XXXX are running a scam I made a security deposit equal to amonn in t if credit they issued so they did not loose any money just attached illegal fees on top of made up amount reporting account as unsecured credit with illegal attached fees when account was credit card issued after security deposit was made on that account also the bank refused payments then assigned to collection agency and started reporting wrong information on credit report. I want XXXX XXXX XXXX XXXX XXXX XXXX information deleted and lvnv finding. Never recieved security deposit back they just assigned fake amount to collection agencies and started to report illegally as collection specifically lvnv funding XXXX. XXXX  credit issued was {$170.00} for {$170.00} security deposit. I want this information removed from my credit report the bank who is filing illegal collection is XXXX XXXX XXXX XXXX XXXX XXXX XXXX or lvnv funding all of them conspired together
Product: Credit card

I Tried to Get a Secured Credit Card and Capital One Denied Me a Secured line of credit. No Futhur Action Was taken on thier behalf.
Product: Debt collection

XXXX XXXX XXXX XXXX ( A COLLECTION AGENCY ) INTERCEPTED MY STATE REFUND FOR THE AMOUNT OF {$740.00}. 

I CALLED THEM AND I ASKED WHY THEY INTERCEPTED MY REFUND, I FILED BANKRUPTCY AND WAS DISCHARGED LAST YEAR 2018 THEN WHEN SHE REVIEWED MY ACCOUNT AND FOUND THE NOTE ABOUT MY BANKRUPTCY BUT SHE IS STILL ASKING ME TO SEND THEM COPY OF DISCHARGED LETTER AND COPY OF MY ID ETC ...
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 and XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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 Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX, XXXX Bank, State Employees Credit Union ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX Not only that 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 an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer 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. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX XXXX XXXX Galaxy International Purchasing , LLC, regarding an alleged debt. 
I disputed the debt and requested validation in writing, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Michigan Collection Practices Act. 
XXXX XXXX refused to provide me with complete validation information unless I provided personal details over the phone, which I believe is a violation of the FDCPA and the XXXX. 
They provided contradictory and confusing information about the debt and their authority to collect it, which I believe is also a violation of both federal and state law. 
I attempted to contact XXXX XXXX directly at the number provided by XXXX XXXX but was unable to reach anyone. 
My investigation has uncovered a pattern of deceptive practice by this company, in fact a pattern of what I am complaining about What I want the company to do : Cease all collection efforts until they provide proper validation of the debt, including : The exact amount owed The name and address of the original creditor Proof of the debt Verification of the debt, including payment history and any judgments ( as required by Michigan law ) Acknowledge and address the potential violations of the FDCPA and the XXXX committed by both XXXX  XXXX  and their agent, XXXX  XXXX. 
Additional Information : Reference Number provided by XXXX XXXX : XXXX I have attached copies of all relevant communication, including the collection letter, my validation request, and any other correspondence. 
I am willing to cooperate with the CFPB in any investigation of this matter. 
Please note : I am particularly concerned about the potential violations of XXXX laws, as I am a resident of XXXX  and XXXX these laws provide me with additional protections against abusive debt collection practices.
Product: Debt collection

Midland credit purchased past credit card debt that I owed with XXXX previous card lenders. what they did was report to the credit reporting agencies as if I opened new lines of credit. I appealed to the credit reporting agencies and XXXX accounts were deleted. But midland credit is now harassing me
Product: Credit reporting or other personal consumer reports

I recently put a copy of my credit report and realized that I have fraudulent activity. Accounts listed below as follows. 

XXXX XXXX Amount : {$1000.00} Opened XX/XX/XXXX XXXX Amount : {$0.00} OPEN XX/XX/XXXX XXXX
Product: Credit reporting

Equifax. Have initiated XXXX disputes to try to correct my name and birthdate. 
They ca n't seem to get it right. Sent over photos of my drivers license and social security car. 
I do n't know what else to do, XXXX disputes, XXXX phone calls - what other options can I do to have them correct this information?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies Transunion, and XXXX do not have my consent to furnish this information, per privacy act of 1974.I am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds
Product: Credit reporting or other personal consumer reports

XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX  - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX I discovered several fraudulent accounts on my credit report due to identity theft. These are blocking my access to essential credit. Under Section 605B of the FCRA, I demand their immediate removal. Please resolve this by correcting my credit file without delay. Thank you for your prompt attention.
Product: Credit card

I noticed my debt was increasing while I was not using the card as it was in my safe for months. I logged into the app which had been newly launched and noticed they had been charging me outrageous fee, " credit protection, Monthly fee and annual fee. '' I accept the annual fee as it was stated before I applied for the card, but the other 2 fees which are being charged every 3 weeks are unacceptable. I called the company and tried to ask questions they would either say " these are valid charges, '' or they would hang up on me. So I called once again and told them I would have an attorney look at mt contract and statements and I would like to close my accounts. Now I have been completely locked out of my accounts, I have no access to them through my phone or computer. I called once again and let them know " how am I supposed to pay the remainder of my bill if you locked me out? '' they told me " since you have an attorney, we have locked you out. ''
Product: Debt collection

Letter was sent to company for debt Validation , Company can not validate debt and expressed it would be removed. Debt was removed from all credit reports. Although debt was then placed back on credit report by Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and TRANSUNION SMARTMOVE have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities. 

17 CFR 248.124 Reasonable Opportunity to opt out. 

15 USC 6802- Obligations with respect to disclosures of personal information.
Product: Checking or savings account

Ive been a Wells Fargo customer since XXXX. I ve had dbl overdraft fees more than one occasion. Savings fee charges. Then they get rid of contacts us in their app. That how I kept a record every time I had to contact them. Because when you have to call them you have no physical record or proof of getting something fixed or migated.
Product: Money transfer, virtual currency, or money service

Someone sent me {$67000.00} Bitcoin from gold I found and all my phone 's keep getting hacked and people keep taking my money and I don't have access to any of my Bitcoin accounts bc of my information being compromised!!! I have 3 different Bitcoin accounts but don't have access to them anymore please help me retrieve my Bitcoin money please and thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX RESPONSE ) XXXX Balance : {$3500.00} XXXX XXXXXX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am the XXXX XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York. The organization has had a business bank account with Chase for over 15 years. During the last few months, we attempted to add XXXX signatories to the account. Because of multiple errors, incorrect information provided, and general incompetence by Chase representatives XXXX XXXX and XXXX XXXX at the XXXX XXXX XXXX location in XXXX, this did not get accomplished after XXXX in-person visits to ChasXXXX XXXX XXXX XXXX ignored all of my attempts to contact him regarding this matter. On XXXX, because of its own errors, Chase told us that it would close the account if we did not appear in person at the branch that day. We decided that we wanted to close the account and told that to XXXX XXXX. XXXX XXXX told me that the account was closed at that time but that we had to make another in-person trip to pick up the check for the balance. We agreed that we would do so on Saturday XXXX. When we got there on XXXX, we were told that more mistakes had been made by Chase and that the account would not be closed until Monday XXXX. XXXX XXXX agreed to close the account on Monday XXXX and to mail us a check with the balance. The account has not been closed and XXXX XXXX and XXXX XXXX have continued to ignore my calls and email. 

Chase also incorrectly put a hold on an escrow account belonging to our lawyers.
Product: Credit card

After gaining access to my Capital One account that had been withheld from me I had found it to be run up and unpaid. To my knowledge it had been paid off. After contacting Capital I learned that there was an additional account opened without my knowledge. Capital has insisted on me paying throughout the entire process, even though what I would be paying I never charged and was all fraud. I informed them I would pay what was not fraud claims and asked for my statements of the account that I knew about. Roughly a month later I 'm still waiting for them and they are still calling for payments.
Product: Money transfer, virtual currency, or money service

Cash app closed my account due to the accusations of not following the terms of service agreements. I have reviewed the terms in full and have not violated any of the agreements. I would like to have full access to my account restored as this is the only means I have to transfer funds to my family.
Product: Debt collection

I have repeatedly told this debt collector to stop contacting me let this is harassment they still try to call me. I have reported the harassment to law enforcement please see the attached police reports. I also told them that I'm on the federal do not call list. The company has been spoofing their number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : XXXX 's XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX : Consumer Financial protection bureau XXXX XXXX XXXX, XXXX XXXX CA, XXXX XXXX : CONSUMER FINANCIAL PROTECTION BUREAU To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. 

Account # XXXX {$820.00}, Account # XXXX {$480.00}, Account # XXXX {$390.00}, Account # XXXX {$400.00}, Affirm INC XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Inaccuracy dates and the amount owed opened XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX status updated XX/XX/XXXX, XXXX, Balanced updated XXXX, XXXX in the amount of {$820.00}, {$480.00}, {$390.00}, and {$400.00}. 
By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. 

Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. 


I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

In XXXX I received a notice from Navient that my student loan payment would go from {$42.00} to {$880.00}. That amount is beyond my limit at this time. I am XXXX XXXX XXXX and my XXXX XXXX   amounts to {$2100.00}. I requested a graduated lower payment because i have an expensive car payment and high medical bills at this time. I will have these paid within the next 12 months. I have made repeated calls to Navient. On XX/XX/XXXX I was told that the amount could be reduced to {$570.00}. That amount is still too much. I could pay about half that much. Can you assist me in this matter?
Product: Vehicle loan or lease

The auto was returned to the company in XXXX when the bankrucpty court order that be done. They have reported nothing till XXXX after they sent me a XXXX in XXXX and have the debit labeled as a charge off with a amount that is XXXX times what the auto cost.
Product: Credit card

I applied for a chase freedom credit card ( about 6 months ago ) under a promotion where they were offering a {$200.00} bonus if you spent {$500.00} or more within the first 3 months. I fullfilled my obligation for receiving the {$200.00} bonus, however, Chase refuses to give me the full bonus. They say the {$200.00} promotion was no longer valid, even though the {$200.00} promotion was still available online and at no point when I opened the account did they tell me the promotion was invalid or had expired. I have tried to resolve the issue with Chase by sending them XXXX letters ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ), along with a copy of the promotion I applied to. I feel Chase should honor the promotion I applied to and credit my account the remaining {$100.00} bonus it owes me.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were opened in my name without my consent as a result of being a victim of human trafficking. These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. 

Upon escaping the trafficking situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of human trafficking, to verify my victim status and obtain supporting documentation. 

Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. 

As of now, the following unresolved fraudulent accounts continue to affect me : XXXX loan from XXXX XXXX, opened on XX/XX/XXXX with a balance of {$45000.00}. 

Multiple XXXX  XXXX credit card accounts, opened on XX/XX/XXXX, with balances totaling {$3400.00}. 

XXXX XXXX  credit card, opened on XX/XX/XXXX, with a balance of {$1900.00}. 

XXXX XXXX XXXX XXXX credit cards, one with a balance of {$770.00} and another charged off at {$32000.00}. 

XXXX XXXX auto loan, disputed for incorrect payment records. 

XXXX accounts from XXXX XXXX ( balance of {$330.00} ) and XXXX XXXX ( balance of {$2200.00} ). 

These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of human trafficking. 

Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX