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

I am contacting you as a victim of a recent data breach. I request that all accounts listed below, which were fraudulently opened or reported in my name, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts should be removed due to their fraudulent nature : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have tried many times to get this Company called Discover Fin SVCS LLC to remove this account from my Credit Report! {$910.00} Balance. Opened XX/XX/2014 ) I told them many times that my Identity was stolen due to identity theft!!! Now there calling my house and Harassing me and my family members? Can someone please look into this matter as soon as possible? Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a credit line increase on my XXXX XXXX XXXX card with XXXX XXXX. XXXX XXXX notified me that they were unable to pull my credit report because of a security freeze. I informed XXXX XXXX that they in fact did pull my Transunion credit file on XX/XX/2020. Upon investigation by XXXX XXXX, I was informed that there was no credit pull made by XXXX XXXX  on my Transunion credit file. XXXX XXXX indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from Transunion. At this time, I notified XXXX XXXX I was unwilling to do so and that the credit inquiry made by XXXX XXXX on XX/XX/2020 should be removed, as XXXX XXXX  indicated that they were unable to process my credit line increase because they did not receive a credit report from Transunion on XX/XX/2020. XXXX XXXX did not process an application for a credit line increase on my XXXX XXXX XXXX card and therefore the inquiry made by XXXX XXXX on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from XXXX XXXX that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.
Product: Vehicle loan or lease

XXXX XXXX i called XXXX XXXX XXXX  .This is when my car broke down other one. I was lied about cost of repairs .Picked car up my XXXX took it to my storage, Until my garage man came back from vacation. XXXX XXXX XXXX said it was timeing belt. Tried to tell me head needed fixed, Then said it may need a new motor. Looked on line .I knew it wasnt that. Garage charged me to look at it .I got it towed to my storage unit. Until my garage got back Then towed it to his garage, In mean time i had no car, Was not sure on cost etc. I was settling on my home. Needed a car to move etc. I called XXXX XXXX up .They told me about this XXXX XXXX XXXX. They even picked me up. I thought my interest was going to be 15 percent instead was higher, Then when i finally got other car back .Found out it was a fuel pump. I got it towed home. Thought it wasnt running.Was told this XXXX tow charge. XXXX  would not tow again.It would of been my XXXX tow, They said i could only call in 4 times. One time i got locked out of my car. They said that counts. I have always paid for XXXXXXXX XXXX Does not state you only are allowed 4 calls. Any ways tow man said why did you get it towed, I told him it doesnt run. He said it did and showed me. When we lifted hold. Parts were off bolts etc. I called first garage he said he didnt do it .My guy said he didnt do it. Any ways my son fixed one part. When i found out it ran .I took it back to my garage insp/ emission/ oil change pipe repair also he put on lost bolts. I could not afford car payment insurance on 2 cars. Kept insurance on old car until i just sold it. Any ways i called members first my bank to refinance. Was turned down. I sai d why yjey told me .My car is worth XXXX my miles are now XXXX something sold to me XXXX  ask them why they wont refinance, They said my car is not worth that amount. Theloan is XXXX .They got vaule from XXXX first got this vaule .I went into shock. I did get a XXXX warrenty. I calledXXXX XXXX. They gave me run down.I ask them if that vaule wasnt on that car, How did i get the loan .Was told they help people out. Their credit etc .I pay my bills worked hard to built credit was shocked for the loan rate i did get. But my hands were tied .I needed something to drive. I dont understand how i got that loan .If that car wasnt vauled at that. Thank you
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everthing In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consum reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I am writing a complaint to express my dissatisfaction with the recent Cash App settlement. While I acknowledge that the settlement is intended to resolve various issues between Cash App and its users, I believe that it fails to adequately address the concerns of users like myself. After reviewing the settlement details, I am concerned that the proposed compensation and the changes promised in the settlement do not fully meet the needs of those affected by Cash Apps shortcomings. The financial compensation outlined in the settlement does not seem to reflect the true extent of the harm experienced by affected users. For many, the unauthorized transactions and delays in resolving issues caused significant financial and emotional distress. While I appreciate the compensation offered, I believe it does not adequately account for the time, stress, and loss experienced by many users. The compensation should be more comprehensive to fairly address the full scope of the damages caused. One of the most significant issues I encountered while dealing with Cash App was the lack of clear communication throughout the dispute resolution process. I faced significant challenges in obtaining clear answers or updates regarding the status of my claims. While the settlement mentions plans to enhance security measures, I am concerned that these changes may not go far enough in preventing fraud and protecting users from unauthorized transactions.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX  Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Checking or savings account

XX/XX/XXXX I opened additional checking account with Chase Bank. Banker told me due to my relationship and balances it was free checking account no monthly fees. Everything was fine then in XX/XX/XXXX I move money out of account. I never got any email or text even though I'm set up for alerts that Chase Bank begin charging my checking account $ XXXX  monthly fee. I called XX/XX/XXXX th when I noticed charge and they would only reverse XXXX fee. I tried going to different branches at different times but there was always long wait for banker and usually only XXXX banker working. I finally went to branch today and banker said they don't have authority to reverse no more than XXXX charge. I think it's very shady of original banker who set up account to tell me it's free and now Chase Bank does not want to waive these fees even though I'm long time customer. I wonder how many other people this questionable business practice this is happening to??
Product: Checking or savings account

On XXXX ( Saturday XXXX I was alerted via an XXXX XXXX that someone attempted to open a checking account with JP Morgan Chase. On XXXX, I was able to communicate with JP Morgan and discovered that on XXXX a checking account was successfully opened. The account has since been closed on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, CAPITAL ONE BANK USA XXXX XXXXXXXX
Product: Student loan

XXXX University, XXXX, Florida. Dates : XXXX. Private loans were taken out between XXXX to pay for school books which were students were not permitted to buy outside of the school bookstore. High pressure sales tactics where loans were pulled out by the suggestion of the financial aid counselors. Blank documents were handed to each student class by the Dean, and coerced signatures by many students in fear of not graduating. School threatened accreditation status would be withdrawn if XXXX XXXX and survey documents weren't signed. I sent this complaint to XXXX XXXX around XXXX without any response or resolution. Private loans accrued interest to the point they doubled, nearly tripled. Total private loans taken out average minimum $ XXXX, interest shot them over $ XXXX. Recently paid off (XX/XX/XXXX ) but I am certain these funds should be reimbursed by the predatory schools due to their negligence and predation on students.
Product: Credit reporting or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received a letter from XXXX XXXX, which copy I enclose with this letter regarding my inquiry on the previously mailed documents of bank transaction record. XXXX XXXX kindly sent the letter to XXXX XXXX, who is the joint account holder, and somehow, XXXX mentioned me as his wife, not a joint account holder, legally. As you can see, XXXX mentioned that the second checks were meant to the cleaning bank which the checks were processed. I do not recollect clearly where our joint account checks clearing banks, but at least, most of my bank checks, which meant the checks of XXXX XXXX  XXXX, should be based in New Jersey ; since most of the companies I had dealt were based in New Jersey. Maybe, you might ask me later to ask the banks about these companies and I can check by myself since I remember which checks are meant to which companies. If possible and necessary, I would like you to provide the addresses of each branch in PA, TX and other states written in the record. 

Also, I received the calls from your company several times on Thursday, Friday, and Tuesday. On Thursday, XXXX XXXX, Friday, XXXX XXXX XXXX, and Monday, again XXXX XXXX called me. I could not understand what they were talking, at least, I know they were trying to mention something about XXXX XXXXXXXX XXXX account and my ID ; especially XXXX XXXX XXXX talked for 3 minutes in my voicemail. I prefer succinct and clear explanation what your company wants since it is not easy to figure out what they want to tell me even if I tried to read the transcripts of voicemail. I prefer the written formats. And I suggest appointing only one person for a possible customer. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXXXXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again
Product: Checking or savings account

XXXX XXXX is stating to me that they cant stop the auto payments from XXXX XXXX that I never had an account with or you tell me where they count is from. I asked him to reach out to XXXX XXXX. They said he cut it benefit and said that I dont have a contract with the ones local to me. each location has a different owner so theres no way for me to to contact corporate theres no corporate phone number I asked them to please cancel these payments and they never did. This is from 2021 until now. 

Nonconforming payments ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this XXXX, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt. 

( ii ) Payment methods promoted by creditor. If a creditor promotes a method for making payments, such payments shall be considered conforming payments in accordance with this paragraph ( b ) and shall be credited to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge. 

( c ) Adjustment of account. If a creditor fails to credit a payment, as required by paragraphs ( a ) or ( b ) of this section, in time to avoid the imposition of finance or other charges, the creditor shall adjust the consumer 's account so that the charges imposed are credited to the consumer 's account during the next billing cycle.
Product: Credit reporting 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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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: Credit reporting or other personal consumer reports

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate these inquiries. I kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. I have included a copy of my credit report highlighting the inquiries in question for your review. 

The following inquiries are incorrect : XXXX XXXX  XXXX XX/XX/2023 and XXXX XXXX XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, HP Sears on behalf of XXXX XXXX incorrectly reported a " collection '' against me, regarding services not performed by XXXX XXXX ( see letters attached ). I filed an FTC complaint against XXXX XXXX on XX/XX/XXXX, and just updated said complaint to include this information. On XX/XX/XXXX, after initially being contacted by HP Sears on behalf of XXXX  I spoke with XXXX XXXX, advised him of the circumstances, and I was told to forward the FTC report and documentation, which I did, to " XXXX '' ; I never had a reply, so resent the email on XX/XX/XXXX and XX/XX/XXXX ( attached ). When I called again, I was told that I did not need to do anything further. Today, after receiving information of the reported collection, I spoke with a representative who advised me to, once again, forward documentation to " XXXX ''. I will forward the updated FTC report, the original FTC report # XXXX, along with this report to both emails listed below. The numerous previous emails remain unanswered. I have requested that they immediately remove the incorrect collection report of XX/XX/XXXX, for {$1000.00}, since services were not performed and I retained a new XXXX to begin XXXX XXXX to my son after 6 months of XXXX  and no treatment. I have attached pertinent documentation and have much more if needed, specifically the numerous unanswered emails to XXXX XXXX. Thank you for your assistance.
Product: Credit card or prepaid card

I signed up for a XXXX XXXX American Express card that came with a sign-up bonus of 60,000 Membership reward points after meeting some minimum spending. Some background is that this card requires you to have an account with XXXX XXXX. Also background, American Express views signing up for a credit card and then closing the card after receiving the sign-up bonus as rewards abuse. 

Well I met the minimum spending and received the 60000 points. Then, months later, XXXX XXXX mysteriously closed my account. The only reason I have been able to put together was one bounced check that I had written years ago. They had closed my account back then even after I pleaded to them that it was a mistake and tried to properly fund my account. Well, apparently XXXX saw that I had previously been a customer and decided to close my account again. This then triggered American Express to close my account. 

That ticked me off, but whatever, I understood that a XXXX account was required in order to have that credit card. However, today I received notice that Amex has determined I abused the card by signing up and cancelling it! I didn't cancel it, they did! Now they have removed 60,000 points from my account which is well over {$600.00} in value! I tried to call them and explain but they simply said they could not refund those points since the account was closed. 

This is classic bait and switch. They don't have the right to take these points away from me when I did not violate the terms. I am pleading to you, CFPB, please hold Amex accountable. 

Thank you!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed fraudulent activity from this account. This account is hurting my ability to gain credit please remove it from my report. Thank you I have included my proof of address, State issued ID, and social security card for identification purposes and to avoid any delays.