23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

Company is taking me to court. Do not have grounds to take me to court. I do not know who they are and they are doing searches on me service members Civil relief act Ive never been in the service and they are doing research sending court documents Service members civil relief act decoration Ive never been in the service and theyre taking my name and putting it into a search bar to see if I was a service member. What does this have to do with credit?
Product: Debt collection

back in XXXX I started to check my credit report for first time and to get a better understanding with that being said I came cross a judgment from portfolio recovery associates llc they file back in XXXX or sooner while doing some digging I came cross a judgment from portfolio recovery associates llc but this time it came from XXXX , county for the amount of {$1500.00} and the judgment in XXXX county amount is {$1400.00} and when I ask portfolio recovery associates about it they wasnt it having it told me it to late that they dont need to show me anything and wasnt giving me the right information they just only send me a statement with my name and old address and for the amount of {$1500.00} and the date of this statement is XX/XX/XXXX from XXXX portfolio recovery associates Attorney now telling me I own {$2800.00} and when try work it with Attorney for portfolio recovery associates they wanted {$2400.00} I am so lost on what amount is right and I just think that portfolio recovery associates is just trying to get more big money profit than to work it out with the Consumer how can any amount given be 100 % accurate
Product: Mortgage

My home XXXX XXXX on XXXX XXXX. My insurance company XXXX sent a 3 party check in the amount of {$170000.00}. My husband and I signed check and overnight it to AAG and check was received by AAG Loss Draft Dept on XX/XX/2021. I was told it would take 10 business days to issue my remaining funds. To date I have not received any funds and only I dont know answers when I question the returns of my proceeds. If it took only 10 business days to process my remaining funds then where is my funds. We are homeless and only getting nowhere with AAG. We are XXXX and XXXX XXXX XXXX riding around XXXX XXXX with no where to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by XXXX XXXX XXXX XXXX. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of XXXX XXXX XXXX XXXX and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX Experian is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as XXXX responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Product: Credit card

Dear CFPB, Based on a recent review of my account, American Express decreased the credit limit my account. Their decision was based on the fact that : " Based on your credit report, you have too many requests for credit or inquiries from debt settlement companies '' I am not aware of any request at all from debt settlement companies, nor have to intention to apply for one. On a recent XXXX report pulled as of XX/XX/XXXX, I found out that I do not have any " hard inquiries '' related to debt settlement. 

I am also reminding American Express that I am a victim of identity theft. My information has been exposed twice, on XX/XX/XXXX, and most recently through an incident referred to as the " XXXX XXXX XXXX '' XX/XX/XXXX. Someone is actively using my information to apply for new accounts. All 3 credit bureaus have been alerted and an extended fraud alert has been set on all 3 credit bureaus since XXXX. American Express should have seen this on my file before making an accurate decision on the account change.
Product: Mortgage

I am an authorized third party, representing borrowers XXXX XXXX, and XXXX XXXX, owners of XXXX XXXX XXXX XXXX XXXX Illinois. I am mediating a short sale, under the supervision of attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, on a XXXX XXXX insured, Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. -- -- - Despite my request, Mr. Cooper and XXXX XXXX commissioned a BPO valuation on XX/XX/2020 in order to determine fair market value for the sale of the above referenced property. The Realtor has affirmed this was a mere `` drive by '' valuation. I was told by the Realtor, the drive-by occurred XX/XX/2020. I have made 7 requests for a copy of the valuation report : XX/XX/2020, XX/XX/2020, XX/XX/2020, ( XX/XX/2020 Mr. Cooper countered out buyers offer and asked for a response without supplying required value report ) XX/XX/2020, XX/XX/2020, XX/XX/2020 and lastly, in a formal escalation request to XXXX  on XX/XX/2020, I asked again. Mr. Cooper 's employees have either pushed the request to a different rep, claimed it was XXXX 's call to deliver it to me, and flat out refuse to state it was confidential to XXXX XXXX -- -- -- - I responded to the denial, and opened the XXXX  escalation case by providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. CFPB-2012-0032 ] RIN 3170-AA26 Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B ) -- -- -- - I pointed both Mr. Cooper and XXXX  's  employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports -- -- -- In a call from XXXX  on XX/XX/2020, a XXXX  employee called me to tell me they would inform Mr. Cooper to comply with regulation. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper and XXXX XXXX are withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyers at risk to the XXXX family of losing a true fair market value offer for their property.
Product: Credit card or prepaid card

I applied for the BBVA Compass XXXX XXXX Credit Card. In the offer advertising mail sent to me it said 13 MONTHS SAME AS CASH. I entered the offer code online and I was approved. I received the card card. I did a purchase of {$550.00} on XX/XX/17. I just received the three page credit card statement today. NO WHERE on these three pages is notated the 13 month same as cash offer. On this day, over the past 5 hours I have called the company 's toll free phone number. Twice it asked me to leave a call back number, which I did but there was never a call back even 5 hours later. Many times I have called and a machine simply says, " Please try back latter. '' I have no way of getting this company to correct this if they will not contact me.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
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. 
XXXX XXXX XXXX  Account # XXXXXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXXXXXXXXXX, has violated my rights. 
XXXX XXXX Account # XXXXXXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX Account # XXXX, has violate my rights. 
XXXX XXXX Account # XXXXXXXXXX, 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 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: Debt collection

I have disputed this debt several times. The debt does not belong to me. I have been a victim of identity thief and has sent in all required documents.
Product: Credit card or prepaid card

First Issue. On XX/XX/XXXX, I used my US Bank Altitude credit card ending in XXXX to pay rent for an apartment in XXXX purchased through XXXX. I used this card because it offered 0 % of each foreign purchase transaction or foreign ATM advance transaction in a XXXX XXXX. I authorized the charge of XXXX Euros. My statement shows a charge of {$870.00}. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX ( see attachment ). The transaction was posted on XX/XX/XXXX. The exchange rate on this day, XX/XX/XXXX, between Euro and the US dollar was XXXX. XXXX ( see attachment ). The correct conversion rate with 0 % of each foreign purchase transaction should be XXXX x XXXX {$850.00} and I should be charged this amount on this day, XX/XX/XXXX, instead of {$870.00}. Hence I was overcharged {$17.00} ( XXXX ). Even if the bank used the conversion rate on the day the transition was posted, the correct charge should be {$850.00}. In any even I was overcharged about {$18.00}. 

Second issue. My statement dated XX/XX/XXXX shows Points Earned this Statement XXXX, Total Points Balance as of XX/XX/XXXX - XXXX. So as of XX/XX/XXXX I have a total of XXXX points. The next statement dated XX/XX/XXXX shows only XXXX earn points and XXXX points available. Hence XXXX pints have gone missing ( XXXX ) with dollar value of {$10.00}
Product: Checking or savings account

Continuation of complaint # XXXX I've already contacted your office in regards to a complaint with Chase Bank. However, your not doing enough to resolve the issue. 

I'm on Social Security XXXX and I cant believe they treat XXXX people like this. Shame on them. 

I have proof of payment on a cashiers check that I got from my Dad and his wife. It took three weeks to get it since the XXXX XXXX XXXX is on a rolling provincial strike ( meaning this week this province and a different province next week. ) The quickest way for me to get proof of payment is this way but Chase has called me a liar that my dad doesn't live in XXXX. I had given Chase my pass port for second ID. It may say US passport but it also give original country of being XXXX. 

They also told XXXX XXXX that I gave them a fraudulent check and they even closed my account and wont release the less the {$6.00} in my account. 

I have included a copy of my Chase statement and there corporate office told me the funds have been in the account waiting to be picked up. Yet when I go into a branch they won't release the funds. They keep saying its a fraudulent check without proof. I have proof its not even if its emailed to me its still more proof than what they have. 

Since they arent releasing the funds. What is my next legal action? Court? I can do that.
Product: Debt collection

Cascade Collection Service contacted my husband 's ex-wife about my debt. He has not been married to her for over 12 years. She does not live with us or in the same town. There was no reason for them to reach out to her.
Product: Debt collection

Since XXXX of XXXX, I have been receiving calls from a company in Georgia. Finally on XX/XX/XXXX, a voicemail was left by someone identifying themselves as XXXX XXXX from XXXX XXXX XXXX and asking me to contact them at the number provided. I did not know if this was a scam or not, but I returned the call and the company was closed. I received phone calls again from agents at XXXX XXXX XXXX XX/XX/XXXX and XXXX from a XXXX XXXX XXXX XXXX only asking me to contact them. I again tried calling back, but the company was closed. There is a 3 hour time difference and they frequently call in the afternoon! I spoke with an attorney who told me that if I do have a debt, the debt collector must provide the collection in writing and identify themselves and the fact that they are attempting to collect a debt in ANY form of communication they attempt with me, including voicemail. I never received a letter and the voicemails never identified that this company was trying to collect a debt. However, this company reported a debt that I had previously contested with a different debt collections agency ( who then dismissed the debt as inaccurate ) to all 3 credit bureaus! I was never given the written notice of debt and I was never given the chance to contest the debt! I have tried calling the agency twice, and have been treated with such disrespect that I finally hung up and decided to file this complaint because the agents dont bother to listen to what Im telling them, or they call me a liar. I have received a couple calls since then from the company, but no message was left either time! The representatives I spoke with were extremely rude and unprofessional and this company needs to follow the law by going through the appropriate motions of debt collection, starting with proper notification!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX Has violated my rights. 
S.C 1681 section 602 A. States I have the right to privacy.

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

5.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt. I have a contract nor did they provide me with the original contract or the method of discovery as requested.
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a serious medical condition that causes me to lose work, and in some cases hospitalization is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my condition if a settlement is offered. I am looking into filing a XXXX  XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and my personal identifiable information has been compromised and included in multiple data breaches. Upon reviewing my Early Warning Report, I noticed fraudulent accounts and notified Early Warning and Requested removal with providing FTC Affidavit, Police Report and Proof of my identity. 
To Date Early Warning Services has failed to comply with the Fair Credit Reporting Act and remove and or block the fraudulent accounts that they were notified were appearing on my Consumer Report after being notified that I am a victim of identity theft. 
Early Warning Services is reporting multiple fraudulent checking accounts after being notified that I am a victim of Idenity Theft. 
The following fraudulent Accounts All XXXX Accounts- All XXXXXXXX XXXX  Accounts - XXXX  Accounts- XXXX XXXX XXXX Accounts
Product: Money transfer, virtual currency, or money service

I XXXX XXXX am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.
Product: Prepaid card

IT WAS A {$100.00} VANILLA VISA GIFT CARD THAT WAS PURCHASED ON XX/XX/XXXX AT A XXXX IN RI AND SPENT ON XX/XX/XXXX AT A XXXX AT XXXXXXXX XXXX, I THINK IN VIRGINIA. IT WAS A GIFT FOR OUR XXXX ANNIVERSARY. I OPENED THE CARD PACKAGE IN XXXX, XXXX AND FOUND THAT I HAD A XXXX BALANCE, NOT BY MY DOING!!! I TRIED XXXX  AND THEY DO NOT KEEP INFORMATION ON THIRD PARTY CARDS AND I COULD NOT SPEAK TO ANYONE AT VANILLA ABOUT MY PROBLEM. I NOTIFIED THE ATTORNEY GENERAL 'S OFFICE IN RI AND CFPG ABOUT MY SITUATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account XXXX  : Have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Im not trying to sue. But these companies are hindering my pursuit to happiness
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.