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

violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... ..XXXX XXXX XXXX ... Account XXXX XXXX ... Account Name .... XXXX XXXX XXXXXXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXXXXXX ... XXXX Account XXXX XXXX ... Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account Name ... XXXX XXXX XXXX XXXX  .... Account # XXXX ... Account Name... XXXX  XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX XXXX  .... Account # XXXX .... Account Name .... XXXX XXXXXXXX XXXX XXXX ... .. Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX .... Account # XXXX. 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. 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 reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than XXXX years.. 15 u.s.c. 1681 S-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

The Creditor is reporting past the terms allowed. Dates were change after each dispute to justify longer terms on a close account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given you whether written, unwritten, verbal and non-verbal per 15 USC 6802.

GreenSky is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information.

The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in 2020. I intend to pursue it. 



XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Company : Venmo Date : XX/XX/2020 Amount : {$100.00} Someone impersonating my daughter ( to whom I often send Venmo payments ) requested {$100.00} and I paid. The perpetrator was able to see my payment history ( by Venmo 's default configuration ), steal ( and use ) the photo of my daughter and establish a Venmo ID identical except for an underscore [ '_ ' ] as the last character, which I did not notice. 

I discovered it hours later in an unrelated phone call with my daughter ( who denied having sent the request ). I then contacted Venmo, who effectively said " too bad, you lose ''. I informed Venmo the funds had not been withdrawn from my source account. This was of no interest to Venmo. So I stopped payment of the transaction through my bank to which my Venmo account is linked. 

Now Venmo has suspended my account until I pony up as an accomplice to their security shortcoming that enables fraud.
Product: Mortgage

I refinanced my mortgage in XXXX. I worked through XXXX XXXX  Mortgage. They held my present loan and I was using them to refinance .They had just sold my 1st loan to Loan Care LLC . 
As soon as my loan was paid off I was suppose to receive my escrow of {$1100.00}. I never received it. 

I contacted loan care on XX/XX/XXXX. The agent had my account and loan was paid off Said the sent me my check on XX/XX/XXXX. 
I never received it They said they would escalate it. And do a stop payment and issue a new check.. I called back on Fri the XXXX to check on it. Nothing had been done. 
I asked to speak to a supervisor .I spoke to XXXX or XXXX a manger she said they would overnight my check on Monday the XXXX. They would send an e mail with tracking info. I never received the XXXX mail. Monday afternoon I called back talked to manager they said nothing had been done they saw the note for escalation and overnighting the check. She said she would call me back and send e mail before XXXX.never did. I called yesterday XX/XX/XXXX. Spoke to another manger. 
She seemed sincerely interested in helping me get my check as did the other managers spoke with. It seems the problem lies in escalation department. I received an e mail from them on theXX/XX/XXXX. They acknowledge I had a complaint and it would take up to 3 days to research they will have someone call me with an update. I need my check to pay some bills. I would like it tomorrow.
Product: Student loan

Made payment back in XXXX and attempted to set up auto pay. Obviously that didn't work as we now have been reported for XXXX days past due. We spoke with Sallie Mae on XX/XX/year> in an attempt to resolve the issue but couldn't get past the customer service rep. We explained that we thought the account was on autopay & offered to bring it current and set up auto pay over the phone immediately, we just wanted the XXXX days removed from the Credit Report. We were then accused of never trying to set up auto pay as they could see things on their end. Tired of dealing with it, we asked to speak with a manager & we were refused and instead given an address to send a dispute letter.
Product: Debt collection

I have reached out to this debt collector on several occasion requesting validation of this debt and have yet to receive the proper response. I have sent several written requested and have requested documentation and have not received responses back. The dates are as follows XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Product: Checking or savings account

I did a dispute over a year ago on my funds that were stolen out of MY account in the amount of XXXX and Navy Federal returned my funds that went to an investment company and then froze MY funds. I have been told the funds have to be disbursed by the investment company - reached out to the investment company ( XXXX XXXX ) and was told that the claim was already closed and they couldn't request the money back. Now my funds have been stuck in Navy Federal for what seems to be like almost forever. In this economy, I don't know how Navy Federal would freeze my account and my hard earned funds that I PUT IN MY ACCOUNT thinking it was safe and one of the best credit unions. With the recent attention Navy Federal has had with their discrepancies in denying loans to minorities, now I am not shocked. I get mail every month with my statement balance from Navy Federal but no one has EVER contacted me to let me know how to close the account and issue my funds back. In my everyday checking- {$9.00} cents, XXXX Checking - {$90000.00}, and membership savings- {$5.00}. All of these funds are mine and I would like these accounts closed and my funds back or my account access OPENED. No one has requested my funds so I don't know why Navy Federal is still holding on to them. I am completely distressed and I am trying for once and for all to get my funds back PLEASE! Can someone at! Navy Federal PLEASE SOLVE THIS ISSUE
Product: Debt collection

On XX/XX/2016, this debt for {$160.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Money transfer, virtual currency, or money service

I used Check Free Pay to make a mortgage payment but the mortgage servicer never received it. Check Free Pay claims they sent it but XXXX XXXX says they have n't received it. 

Date Money Sent : XXXX/XXXX/17 Amount : {$1800.00}
Product: Checking or savings account

On XX/XX/XXXX, approx XXXX I went to the Fifth Third bank XXXX ATM XXXX on XXXX XXXX XXXX I attempted to make a cash deposit of {$1100.00}. The machine alerted an error and was supposed to reissue my cash back to me. The machine only returned {$6.00}. I then checked my account balance and the money was not there and the machine reported an error with cash deposits after my money wasnt returned. I attempted to call the bank and the call center was closed and I received no response on the companys user chat.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks XXXX Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( XXXX XXXX XXXX ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the XXXX XXXX account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.
Product: Credit card or prepaid card

On Sunday,  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX  I called into  CHASE customer service regarding my CHASE    Sapphire Preferred   card ending in  XXXX . I asked the representative to close the card. When asked why, I advised her that I received a promotional e-mail offering a referral bonus of  XXXX  points  ( approximately {$100.00} ) . I wanted to offset my upcoming annual of {$95.00} fee, so about  6 we eks earlier I referred my brother ( I added his information onto the additional user portion of the complaint ), who took out the card ; however, I never received the bonus.     The rep advised that I could close out the card, but also advised that I could switch it from a CHASE Sapphire Preferred to just CHASE Sapphire, and not incur the annual fee. So after asking multiple times, and ensuring that I would not be charged the fee, I decided to go down this route of switching the card type. Well,  XXXX   XXXX  passed and I incurred the {$95.00} fee anyway.     Also, on a side note, I recently received a notice that CHASE was shutting down my  XXXX  rewards card ending in  XXXX . I asked the rep if she could condition my account to keep my card open, which she said that she could. I 'm not sure if this was done correctly and would like this investigated as well.
Product: Consumer Loan

I bought a car from drive time XX/XX/XXXX. Paid really good till about XX/XX/XXXX I told them I could n't afford it and would like them to pick it up. I talked to them several times and always wanted me to keep it and they would work it out. I stopped taking there calls and they would email me to contact them I would always reply please just pick it up. I would have dropped it off but I could n't get it to start. They finally picked it up last week. The whole time I had the van I saw nothing on my credit report. Till the day after they picked it up ( I kept it insured the I entire time ). I was looking on line and saw the last suit they just settled. I do n't know if Texas was included and I did not read all of it. But from what I read they are still doing the same thing
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted Experian  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with Experian  multiple of times in excess of 4 times from XXXX up until now, XXXX. Experian  and XXXX  has stated this multiple of times : That the data furnisher says that XXXX XXXX XXXX reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that Experian 's, XXXX XXXX and XXXX XXXX  are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went into XXXXXXXX XXXX XXXXXXXX in XXXX, Missouri and spoke to a representative about possibly getting a small payday loan, but they told me they only do loan amounts over {$2500.00}. At that point I told the representative that I was no longer interested and left the store. The employee had asked for my ID, but eventually gave it back once I said I was not interested any longer. I NEVER GAVE THEM PERMISSION TO PULL MY CREDIT ( SOFT OR HARD ) nor did they tell me they were going to do this. I had received an email saying there was a new hard inquiry pull on my EquifaxXXXX XXXX and when I called XXXXXXXX XXXX  to ask why they did this, the manager told me she wasn't quite sure why they pulled my credit, and I would have to dispute it through the credit bureaus, in order for it to be taken off my record.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Negative Credit Information Resulting from Equifax Data Breach I am writing to dispute inaccurate and negative information that has been reported on my credit report as a result of the data breach that Equifax suffered. As you are aware, the breach exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers. As a result of this breach, I believe that fraudulent activity may have affected my credit report and resulted in inaccurate reporting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incorrect or the result of identity theft. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes, and if any information is found to be inaccurate or unverifiable, it must be promptly corrected or removed from the credit report. 
Specifically, I am disputing the following items on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX I am requesting that these items be investigated and corrected or removed from my credit report. I believe they are the result of fraudulent activity and should not reflect negatively on my credit history. 

Please investigate this matter and provide a response within the 30-day period required under the FCRA. I also request that Equifax send me a copy of the corrected report once the investigation is complete, and that any corrections be communicated to other credit reporting agencies. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I applied for Chase Credit Sapphire Credit Card. I was promised - XXXX joining bonus points as part of the offer but its no honored. I am not getting any clear answer from the credit card company as well. This is purely fooling the customer. Bank Chase never gave receipt of the online application via email and via submitting it on its website. So there is no way i have proof to showcase that i signed up for the offer. This is a clear case of misleading and fooling customer so i can not fight back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I certified mailed my dispute to remove three collections account that are not mine. I requested debt verification as these three collections are not mine. I have attempted on 2 occasions to contact Experian get these debts verified and had no luck.To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to the credit bureaus stating that the inquires on my report were unauthorized and to remove them immediately. According to the Fair Credit Act all unverified and inaccurate items must be removed. Equifax has yet to provide me with proof stating that these inquires are factual. Ive also attached a copy of my etc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, Equifax, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am DEMANDING that you take immediate action regarding my CFPB complaint. Despite submitting a complaint earlier, I am appalled to see that the fraudulent accounts and information STILL exist on my credit file. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX are UNAUTHORIZED, and I DEMAND that you remove them immediately as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect that you will take swift action and provide me with a written explanation of the steps you have taken to resolve this issue.