23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan I never received and now the company is trying to take the money out of my account. The following are the dates and events to the best of my knowledge : - XXXX XXXX applied a loan in the amount of {$250.00} - XX/XX/XXXX loan was supposed to have gone into my bank account- XX/XX/XXXX called Cash Central; was told that the banking account information was wrong so the money could not be deposited ; I was to wait to hear back from them ; it should be a couple of days after they received the money back to them. I never heard back from them XXXX XXXX received an email that Cash Central would be deducting {$300.00} out of my bank account on the XXXX. ( The XXXX was a XXXX and Cash Central was closed. ) I had not heard anything from them until this point. ) - XX/XX/XXXX Spoke to someone about the situation. They told me to call my bank and ask for a letter stating that I did not receive the funds and they would be able to refund the funds since the funds were already coming out that day XXXX XXXX Called my bank. Explained the situation. They stated they did not legally write any letters and legally Check Central should not be taking out funds that they did not pay out to me. My bank stopped payment on the funds being taken out from Cash Central XXXX XXXX Received an email from Cash Central that they were not able to deduct funds from my account. 
XXXX XXXX Called Cash Central to explain the situation again. I told them the funds would not be deducted from my account, but my bank stated that their bank can contact my bank since the funds went so another bank account. I spoke with them and was on hold for about XXXX. I could no longer hold since I am a school teacher and had to attend to my students. 

Please help me with this situation.
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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX account number XXXX, Account Name XXXX  account number XXXX, Account Name XXXX account number XXXX, Account Name 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 Collecton account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) 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

Received a letter from Kirschenbaum & Phillips, P.C. Representing XXXX XXXX, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX First Dist : XXXX XXXX. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a business credit card with Capital One. I was approved pending review. After receiving an email, indicating primary documentation was required to be provided I complied by having to go into a local branch as I was told I could not reply immediately to the email they had sent. Despite the inconvenience, I went into the branch where a simple task of faxing over documents for verification, which I had, took over an hour. The banker initially lied that the fax machine wasn't working. After having to follow up with the banker on XX/XX/XXXX that the fax was received by the right department, I waited 72 hours before contacting the credit card department. The automated response unit upon me calling stated I was approved and that the credit card would be mailed within 10 business days. I chose the option to speak to a rep. to ascertain for how much I was approved. The rep. apologize for the error of the automated system and stated the documentation that I sent was not acceptable despite it being exactly what they requested -- the articles of organization. This has been escalated to the highest possible department and additional documentation was requested to which I have replied. The person in the Office of the President said she exhausted all possible channels and despite me providing two primary forms of documentation consistent with the information provided on the application about my business entity that there was nothing else that she can do. I feel Capital One is discriminating against me and my business. I also filed a complaint with the OCC. Case XXXX. They still have not responded to that and have exceeded 35 days.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint - Identity Theft and Fraudulent Accounts on Credit Report Dear Consumer Financial Protection Bureau , I am filing this complaint to formally request an investigation into fraudulent accounts and inaccuracies appearing on my credit report due to identity theft. Despite multiple attempts to resolve these issues with the credit reporting agencies and data furnishers, my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated. 

Complaint Details : Personal Information Compromised : Social Security Number : * -- XXXX FTC Identity Theft Report Number : XXXX I am a victim of multiple data breaches, including : Equifax ( XXXX ) - XXXX XXXX Social Security numbers and personal data exposed. 

XXXX ( XXXX ) - XXXX XXXX records leaked, including passport numbers. 

XXXX ( XXXX ) - Millions of Social Security numbers and credit histories compromised. 

Fraudulent and Inaccurate Information : Unauthorized accounts have been opened in my name. 

Hard inquiries I did not authorize. 

Incorrect personal information that has not been updated. 

Violations of Federal Law : 15 U.S.C. 1681i ( a ) ( 6 ) - Failure to provide the method of verification.

15 U.S.C. 1681c-2 - Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) - Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 - Failure of data furnishers to ensure accuracy in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I had 2 credit cards with XXXX  XXXX. My first card was a XXXX credit card that I gave XXXX to open on XXXX then in XXXX they gave me a card without any money down. In XXXX I was out of town on business and I was stranded without any money so I had my girlfriend send money to my credit card because I done it once before I just had to wait for it to show up on my card and it automatically goes through at XXXX XXXX. I was at a hotel waiting to pay for a room and there was people trying to get my room if I didn't pay so I called XXXX XXXX and explained my situation and right off I could tell that the guy I talked to seemed like he hated his job and I explained that I've done this before and he said he can see that the money was there but it wasn't released yet because it was XXXX minutes to midnight and he did not care he was to busy talking to the guy next to him thats when I asked to speak to a supervisor so he put me on hold and then a guy answered and it was the same guy he was talking to the entire time. So I asked for his name and he said they don't give out there names. At this point I was done, I told him to cancel both my accounts and I hung up. I slept in my car that night and the next morning on my way home I called corporate office to talk about what had happened and I spoke to a guy that was truly a nice guy and I think he was a GM if my memory serves me right but anyway he said that he the guy the night before had canceled my card that I paid XXXX to open but not the other one and he talked me into keeping my other one plus he did something else that was pretty cool I just can't remember what it was. Anyway so I had only one card left and 2 years later I found out that the card that I canceled was 90 days late on payment so I called them back and wanted to know why 2 years later I was dealing with this when it should have been canceled and the XXXX I put up to get it I just let XXXX XXXX keep it because I was at the limit anyway so just keep the XXXX and be Done with it. I remember the girl saying are you sure you want to do this and at the time seemed weird but I was like yes and she said okay and come to find out it was a charge off. Now it looks like 90 days late and a charge off and none of it makes sense at all. 

I apologize for writing so much its like I just relieved that moment. Sorry but please help. Thanks XXXX XXXX
Product: Credit card or prepaid card

My credit score I am in the process of fixing and I wanted to get a secure credit card to help rebuild my credit I went to the capital one website and applied for they credit card because they advertised in there ad that the will approve you if you are trying to rebuild your credit but that is not true all they did was run my credit knowing that they was not going to approve me and put another hard inquiry on my report and lowered my score even more I think that they should be sued so many people apply for they credit card due to they false advertising and all they care about is getting the business not caring that they have just put that customer in a worse situation even more because now that hard inquiry have cause they score to get even lower please help me stop these company from doing this to people and getting away with it thank you
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Follow-Up on Complaint Regarding Failure of Creditor to Provide Requested Documentation Complaint Number : XXXX Dear Sir/Madam, I am writing to follow up on my previous complaint, referenced above, which was submitted to the CFPB regarding the inaccurate reporting of a charged-off business accounts by Capital One Credit Card Services. The creditor has failed to provide the requested documentation proving my authorization for the debt and the transfer of my personal information to a third-party debt collector. Additionally, I requested that they issue a Form 1099-C to confirm whether the debt has been forgiven or canceled.

As of the date of this letter, I have not received the necessary documentation or a substantive response from Capital One Credit Card Services, despite multiple requests. I have also requested the following : 1. The original signed contract or application for the account.

2. Documentation proving my personal liability for the debt.

3. Proof of my authorization to share or transfer my personal information to a third-party debt collector.

4. Issuance of a Form 1099-C if the debt has been canceled.

These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). However, Capital One Card Services has failed to provide the requested documentation or a formal response. But continue to validate that they are reporting it accurate to XXXX per my dispute results from XXXX. 
I am asking the CFPB to assist in ensuring that the creditor complies with the legal obligations set forth by the FCRA and FDCPA, specifically : 15 U.S.C. 1681i : Verification of disputed information and removal if it can not be validated.

15 U.S.C. 1692c ( b ) : Restricting the transfer of my personal information to third-party debt collectors without my consent.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XX/XX/XXXX {$0.00}
Product: Credit card or prepaid card

This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

( AMEX XXXX )
Product: Credit card or prepaid card

On XXXX XXXX I attempted to make a purchase with my credit card. I had checked my credit line/available credit on line using the bank website. My account shows a credit line of {$3500.00}, Available Credit of {$2300.00} and a balance of {$1100.00}. 
The purchase was denied at the checkout - I called the bank from the store and was told the account had been closed. I asked when the account was closed and was told it has been closed since XXXX. 
I received NO notification from the bank that the account had been closed - and the information I looked up on line for my account shows " available credit ''. When I received my paper statement it also includes and " available credit '' amount. I called the bank and asked why I have available credit showing if the account is closed. I did not receive a reasonable response. I believe they continued to show available credit to entice me to continue payments - and would let me know the account was no longer usable once the card was paid off.
Product: Debt collection

HI ( STEVENS BUSINESS SERVICE /XXXX XXXX XXXX  ) Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ..Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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 procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 115 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2023 I had a consultation for XXXX  XXXX at the XXXX  XXXX XXXX located in XXXX XXXX, Texas. My consultant was named XXXX XXXX. I did a pre-qualification for Care Credit to cover the cost of the procedure I went there to speak about, liposuction. Before I left, I asked what would be done with my prequalified letter information, and she said it would be shredded at the end of the day if I chose not to pay the XXXX $ deposit for the procedure. I did not call back because I did not wish to have the procedure there. She called me that XXXX  and I confirmed that I would not be agreeing to do the procedure. Now as I am still looking for a surgeon, Im blocked from receiving credit because of the fraudulent charges on the account I never activated. or received a card for of, XXXX dollars. This fraudster has even gone so far as to make payments for 2 months to keep the account going. I will be pursuing every remedy possible and filing charges against this establishment for fraud as well as going through this process of government notification. The address to this facility is XXXX XXXX XXXX XXXX XXXX XXXX The Woodlands, TX XXXX United States XXXX ( XXXX ) XXXX And XXXX XXXX  email is XXXX. 

This evening XX/XX/2023, I was checking my credit report to see why I couldnt get credit to pay for a procedure I want to move forward with. To find out that someone has decided to use medical credit fraudulently is a shock. The account was opened XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing
any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

LOAN THROUGH SIMPLE FAST LOANS THEY WERE SENT CEASE AND DESIST, I HAVE ATTACHED EMAIL. 
ON XXXX XXXX OR BEFORE, MY MOTHER RECEIVED NOT ONE BY TWO TEXT MESSAGES FROM XXXX XXXX THE THIRD PARTY COLLECTION AGENCY FOR SIMPLE FAST LOANS. MY MOTHERS NUMBER XXXX WAS NEVER PROVIDED TO EITHER SIMPLE FAST LOANS OR PRIME RECOVERY. THE HAVE VIOLATED THE CFPB. THEY NEVER HAD PERMISSION TO CONTACT ANYONE OTHER THAN ME. IN FACT THE ORIGINAL CREDITOR WAS SENT A CEASE AND DESIST WHICH HAS NOW ALSO BEEN VIOLATED. THEY ALSO REACHED OUT TO MY SISTER AT XXXX DURING THE MONTH OF XXXX OR XXXX. AT THIS TIME I CALLED THE COMPANY AND ADVISED THEY COULD NOT CONTACT ANYONE BY ME BY PHONE AND ALS ADVISED CEASE AND DESIST HAD BEEN SENT.