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

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XX/XX/2023.
Product: Checking or savings account

I was supposed to receive my paycheck Thursday evening, capital one only sent out a vague email saying they are having technical problems. As so Saturday XX/XX/XXXX I still have not received my paycheck. I have bills to pay, I was supposed to go on a trip this weekend and this is my second day starving because I cant even buy food. I still have not received my paycheck, many have but not me. This has completely altered my life and we are currently coming up on a holiday so I dont know when my funds will be dispersed because they have not communicated anything to me and its take at least 3 hours to get a hold of a representative on the phone.
Product: Debt collection

The XXXX XXXX XXXX XXXX and XXXX violated FDCPA rules 1692g and 1692e. They are attempting to enforce a debt that expired years ago by consenting to resume enforcement on a fraudulent claim. They provided false information as to whom they are representing. The Foreclosure Abuse Prevention Act signed XX/XX/XXXX was made effective immediately in all pending actions where Judgment of Foreclosure and Sale has not been enforced. Pursuant to the new amendment in law CPLR 205-a this creditor can not lawfully proceed with collection on this debt but chooses to do so anyway. Additionally his client is an assignee and this creditor failed to comply with the Certificate of Merit to confirm this debt is valid. This action started in XXXX and dismissed in XXXX pursuant to CPLR 3216 - Failure to Prosecute. They refused to comply with the XXXX of XXXX. I can no longer trust the courts. They allowed a Shadow Docket Case by the XXXX firm to be restored and when I tried to appeal the paperwork went missing on that entire motion. Please read the rest of my statement as attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

During my annual credit pull from all three-credit bureau in XX/XX/XXXX to check for inaccurate information, I came across a delinquent charge from XXXX in the amount of {$680.00} on Experian and XXXX. After discovering this I immediate froze my accounts with each credit bureau. This account was opened fraudulently without my authorization. I have never had XXXX  cell phone service. Additionally, I have never resided at the address XXXX XXXX XXXX XXXX which is also being reported. I have contacted XXXX requesting to be provided an original signature opening this account. I have also filed multiple disputes with Experian and XXXX requesting this information in XXXX and XXXX, I have not received satisfactory results from either organization.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$3000.00} XX/XX/XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX  ************ {$9000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  **************** - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A REPORT FROM EXPERIAN XXXX FROM XX/XX/2018. EXPERIAN DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. EXPERIAN SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.
Product: Checking or savings account

On Friday the XXXX of XXXX, I made back to back transactions of {$110.00}. These transactions were made between Dave banking and XXXX XXXX. The transactions are narrated as follows ; Fri XXXX {$110.00} was deposited to Dave from XXXX Fri XXXX. {$15.00} deposited from Dave to XXXX Fri XXXX. XXXX deposited from Dave to XXXX Fri XXXX. {$110.00} deposited from XXXX  to Dave Unfortunately I never got the deposit of the last transaction of {$110.00} into my Dave account, whilst on the other hand my XXXX transactions show money being taken out by Dave inc. I have tried contacting both parties to no avail. Hence Dave claims it never received the money whilst XXXX is claiming that the transfer of the transaction was complete. Im left confused and fustrated, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXXXXXX XXXX on XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have  gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the playform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not do their job and investigate these disputes that I have submitted to their office. This my 4th time doing this. The other ( 2 ) credit bureaus has removed this derogatory items from my credit report. I want this negative items deleted from my credit report within 15 days. 

XXXX Unverified account XXXX Unverified account Medical Collection-XXXX Unverified account Medical Collection-XXXX- Not my account/Unknown Medical Collection-XXXX -- Unknown account Collection-XXXX Unknown account Signed one angry customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/1992
Product: Credit reporting or other personal consumer reports

Personal Statement : These hard inquiries were unauthorized and i was a victim of identity theft XXXX ( finance ) XX/XX/scrub>/2024 XXXX ( finance ) XX/XX/year>2024 XXXX  ( finance ) XXXX/XXXX/2024 XXXX  XXXX XXXX ( auto ) XXXX/XXXX/2024 XXXX  XXXX/XXXX/2024
Product: Debt collection

I have on several occasion disputed this collection debt with Valley Credit Service Inc. I have asked for documents with my signature via a debt validation twice and they have only supplied me with a bill that was {$480.00} and now they want {$690.00}. They have reported this to the credit bureaus and failed each time to submit docs with a valid signature of mine showing that this debt was mine. We are military and they cover my XXXX so I know this was bogus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX  and XXXX XXXX in a timely manner, but Experian is taking way too long. I still haven't receive my response from them.
Product: Credit reporting or other personal consumer reports

I have an incorrect address listed on all of my Credit reports. The address is XXXX XXXX XXXX. XXXX, CA. XXXX. The address belongs to my cousin. Who was the Financial Power of Attorney for my father. I lived with and cared for my father. His address was different from my cousin. I believe that most of his financial matters used my cousins address. Somehow my name was also added to that address. On XXXX report, XXXX there is a comment next to the address that says Generational Identifier. Also on XXXX report Transunion. there is an investigation Summary regarding the same address. States that more investigation required. I have documents that show this information. However my printer scanner broke this morning. Can I send an addendum to this complaint showing the information? I just need to have this address removed from all of my files. I never lived at this address. I'm unsure if this mistake will prove to be a problem for my cousin as well. Thank you for your time. Please advise if there is more information needed. The address appears on all XXXX of my Credit reports. It was the basis of an identifying phone call to financial lending company when I applied for a personal loan. I answered truthfully that I have never lived at that address. I never realized that the address appeared on the reports. I don't know if that answer could have been problematic or not. Thank you for your help.
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 Names and numbers as follows XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX 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 writter 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, credit repair services, or other personal consumer reports

unable to get my rpt, gave them all info, using the eb site they gave me
Product: Mortgage

On XX/XX/XXXX I applied for a conventional mortgage with Wells Fargo. Everything went smooth, I provided all requested documentation, paid the upfront appraisal fee and the packet went to underwriting. I was told my loan rep would call me if any additional information was needed and let me know the progress of the underwriting. On XX/XX/XXXX I called Wells Fargo to see what was going on and when someone would be to the house to appraise it. I was informed underwriting would not approve the loan due to the short sale in XXXX and some other reasons. I was not given the common courtesy of receiving a phone call letting me know underwriting did not approve the loan. A few days later I called a FHA counselor and was told that FHA loans can be done within 2 years after short sale.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied for a Chase Ink credit card. The application was initially denied, but on XX/XX/XXXX, I spoke XXXX in card lending services who told me the card was approved with a {$5000.00} credit line. I waited several weeks and did not receive the card. On XX/XX/XXXX, I called and spoke with a series of individuals including XXXX ( on XX/XX/XXXX ), XXXX, XXXX and XXXX. Finally, I spoke with XXXX who said the card was approved ( Ref # XXXX ). However, no one informed me that an additional credit report would be pulled. I would have though the previous credit report pulled on XX/XX/XXXX would have sufficed. 

On XX/XX/XXXX, I spoke with XXXX in Chase 's credit bureau reporting department who told me a new credit report had to be run because the card had not been approved when I called for reconsideration in XXXX. The first credit report wasn't even 60 days old. First, it's excessive for Chase to run so many credit reports... I opened a business checking account in a branch AND applied for the Ink credit card on the same day with the same banker. Why were two separate credit reports required? Second, the credit report that was pull on XX/XX/XXXX was not authorized and Chase should have been able to make a credit decision based on four-week old credit report.
Product: Debt collection

it showed XXXX dollars and then it went up to XXXX so I dont understand how I didnt know at first but then all of a sudden I owed
Product: Credit reporting, credit repair services, or other personal consumer reports

LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM XX/XX/2014 WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.
Product: Money transfer, virtual currency, or money service

I am writing to formally complain about Cash App 's negligence regarding unauthorized transactions on my account, which I reported. Despite providing all necessary documentation, I have not received a satisfactory response or assistance in recovering my funds. 

This lack of action raises serious concerns about the security measures in place. I request an immediate investigation and a prompt update on the resolution of this issue.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Capital One regarding its use and disclosure of my non-public personal information, which I believe constitutes a violation of my privacy rights under 15 U.S.C. 6809 ( 4 ) of the Gramm-Leach-Bliley Act ( GLBA ).

As defined by 15 U.S.C. 6809 ( 4 ), non-public personal information includes personally identifiable financial information provided by a consumer to a financial institution in connection with a transaction, service, or otherwise obtained by the financial institution. Capital One has reported my transaction historyspecifically, my payment recordsto credit reporting agencies. 

This disclosure of my transaction history constitutes an unauthorized sharing of my non-public personal information and violates my privacy rights under the GLBA. I did not provide explicit consent for Capital One to share such information with third parties, and this action has caused me significant concern regarding my data privacy and security. 

I respectfully request that the CFPB investigate this matter and hold Capital One accountable for any violations of applicable privacy laws. I also seek clarification on my rights under the GLBA concerning the sharing of non-public personal information with credit reporting agencies. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX for any further information or clarification needed. 

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

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 on my accounts 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. 


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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Mortgage Company Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late
Product: Checking or savings account

Hello, My issue is with CitiBank with regards to an account sign-up bonus they offered and are failing to deliver. The bonus was a {$600.00} account bonus for opening a new account with $ XXXX of new money ( link at the bottom ). The terms are : transfer the $ XXXX in, maintain that balance for 2 mos., then within 90 days, you get the bonus. 

I made my deposit on XX/XX/2018, which means I should have gotten it by XX/XX/XXXX ( ish ). I called their Customer Service line couple days after that, and again this week, and they acknowledged I had met the criteria. They both promised to email me with an update ( neither did ), but let me know it's under " investigation. '' Which, to me, sounds like an arbitrary queue they can put you in to delay disbursement indefinitely - they use it as an excuse to take no action, and refuse to let you speak to anyone in the bonus department. 

I can provide other specific details if you need them. I just want it resolved ASAP! 

Thanks! 

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

I have submitted my FTC reports and letters to XXXX, XXXX and Experian with no resolution or response.
Product: Mortgage

I found out about the HJR 192 law. I went into foreclosure, paid Selene Finance the XXXX, Out of retaliation, Selene Finance sent me out a XXXX bill due in XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.