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

SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST CHEXSYSTEMS DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO XXXX. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT XXXX ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT XXXX HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.
Product: Credit card or prepaid card

I am being blocked from making a payment online, because one time years ago I accidentally made a payment from an old closed checking account. After I saw the payment was returned, I paid the amount due plus fees. I emailed on XX/XX/XXXX to a XXXX XXXX. I also called on XX/XX/XXXX. I should not be forced to call to make a payment.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance : {$310.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I had XXXX credit cards with Pentagon Federal and they have reaged this account to make it appear longer on my credit report. This is a blatant violation.
Product: Credit card or prepaid card

I have three credit cards issued by Citibank. I have NEVER been late on payment. Instead, I always made my payment on time. And over the years, for several times, I have paid off completely the balances on these three credit cards, showing both my good will to be a good customer and my ability to financially manage my credits/debts. Also, I have a very stable job as an XXXX XXXX in a large public university, with annual income over {$180000.00}. Fairly speaking, I have no issue whatsoever paying off my credit card balances. 

To my very surprise, on XX/XX/XXXX, Citibank has notified me that they have updated my credit limit. Specifically, they have significantly lowered the credit limit of ALL my three Citibank credit cards, which almost erased all the rest of " available credits '' at that point. Accordingly, the percentage of debts on all my three credit cards have increased in a sky-rocket way. That consequently had a significant and negative impact on my credit score. I feel that as a long-time loyal and good-record customer ( about 13 years ) with Citibank, I have been discriminated against by Citibank with significant adverse impact on my credit score.
Product: Credit card or prepaid card

I used chat to explain the issue to Capitol One on XX/XX/XXXX (I have a log to attach). In short, I was unable to log into the credit card online account because the password that I had was no longer correct. BEFORE I contacted the company, I was able to reset the password and gain access. I was troubled because I was sure that neither me nor my wife changed the password. Moreover, when the password is changed, an email is sent that tells me that it was changed. I had not received such an email, which further raised my concerns. I contacted Capitol One through a 'chat-agent'. I requested the date of the last password change. I am NOT the primary account holder, that is my wife.They refused to tell me the date of the last password change (prior to the one I just did a day before-XX/XX/XXXX). I then explained to them why I still needed to know more. You see, I change the password the day before using: Her SS#, her DOB, and the Zip code. These items would be readily available to anyone who had the date from the XXXX  breach. I am concerned that ANYONE using this company's credit cards would now be at risk, as their security questions are too weak. They did assure me that they did not have a general failure in their system that would have lost/invalidated user passwords, so either: (1) The data field in their Database holding the password was corrupted; (2) Someone broke through their limited security to reset the password AND intercepted the email confirming the change (quite a trick);  (3) We inadvertently changed the password earlier in the month and just plain forgot. In that I use a password manager (1Password) even the 3rd possibility is unlikely. In any event, this is potentially an extremely important problem that can threaten the credit card accounts of any user of the Capital One scheme for resetting passwords.
Product: Debt collection

I have, on several occasions, attempted to contact Equifax in regards to a debt in the amount of XXXX they claim that I owe. I have sent 3 letters to date with absolutely no response from them. At this point I want the debt removed without question because the refuse to send original documentation with any original signatures that validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an extended fraud alert on all three credit bureau reports for about 20 years. But in XXXX, Experian changed the alert and forgot to put a phone number in the alert. So, the fraud alert on my Experian report says to call me before granting credit, but provides no number. As a result, potential creditors can not grant credit to me because there is no number ; their only recourse is to get a report from one of the other bureaus. But, I have been denied credit because some creditors use only Experian. 

I wrote to Experian to ask them to update the alert and add my phone number on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have again sent a letter today. I spoke to a representative at Experian today ( finally ), and he said they are backed up, have " bugs '' in their system, and he has numerous complaints just like this, and they just can't get to it. That is not an acceptable response. 

Experian is in violation of the FACT Act ( Fair and Accurate Credit Transactions Act of XXXX, and I simply want them to comply in a reasonable time.
Product: Credit reporting or other personal consumer reports

I'll attach a letter from XXXX XXXX  that I got in the mail. I noticed an inquiry on my credit report that I did not recognize. I'm writing this report to you so that your report can hopefully get that inquiry off my report, because it'll be there for 10 yrs and it hurts my credit. I called XXXX because someone tried to open up an international credit card in my name. They had all my info but they had the wrong phone number. The credit didn't get approved, but still it's the fact they tried.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. there are items on my credit report that I did not open or authorize.
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : Midland Credit Management acquired a debt from the original creditor, XXXX XXXX, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent. 
XXXX. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to Midland Credit Management, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA. 
XXXX. Ignoring Cease and Desist Instruction : In my previous correspondence with Midland Credit Management, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA. 
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : XXXX. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA. 
XXXX. Cease Collection Efforts : I demand that Midland Credit Management immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA. 
XXXX. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that Midland Credit Management rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA. 

Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to both Trans-union and XXXX to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Oportun Pathward company approved a loan for {$5100.00} that I did not request illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint with the CFPB against Equifax Inc. because they have failed their requirements as outlined in the Fair Credit Reporting Act ( FCRA ) of providing completeness or accuracy of an item of information on my consumer file. I sent Equifax a dispute letter on XX/XX/2022, labeled as Exhibit A, which they received on XX/XX/2022. They finished investigating my dispute which was mailed to me and I received on XX/XX/2022. The date on the Equifax report was XX/XX/2022, report/confirmation # XXXX. As stated on the report : We have reviewed your concerns and our conclusions are : COLLECTIONS THAT HAVE NOT BEEN PAID IN FULL WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated The information that they updated was Recent Balance which went from {$4000.00} to {$4000.00} as seen in the screenshots labeled Exhibit B, C.1, & C.2. I sent Equifax a follow-up letter asking for the method of verification, labeled Exhibit D, on XX/XX/2022, which was received on XX/XX/2022, labeled Exhibit E. Equifax failed to provide me with the method of verification which is stated that I can request per 15 U.S.C. 1681i ( a ) ( B ) ( 7 ) and that XXXX must provide after receiving a request from the consumer for that description no later than 15 days. It has been XXXX ( business ) days, and I still have not received any information on Equifaxs method of verification for an item on my consumer report. I have given Equifax more than the federally required 15 days to provide me with the information that I requested to see how they verified an account to make sure of its completeness and accuracy. If the disputed information, after the reinvestigation, is found to be inaccurate or incomplete or can not be verified, then Equifax must promptly delete that item of information from my consumer file.
Product: Credit reporting or other personal consumer reports

XXXX credit report shows 6 hard credit inquiries for 2 dates ( 3 on XX/XX/2023, 3 on XX/XX/2023 ) due to hard pulls on credit file for auto shopping at 2 dealerships. 2 vehicles purchased jointly. 
The CFPB website states multiple credit inquiries for auto loans are to be treated as a single inquiry when done within 14-45 days. 
Contacted XXXX and advised of this. They stated ALL inquiries will remain on credit profile for 2 years.
Product: Debt collection

I am writing to express my EXTREME FRUSTRATION, DISAPPOINTMENT, AND ANGER regarding the continued reporting of fraudulent accounts on my credit report. Despite repeated requests for removal and clear evidence of identity theft, your bureau has inexplicably ignored these removal requests, allowing these fraudulent entries to persist and tarnish my XXXX. The fraudulent accounts on my credit report not only jeopardize my financial standing but also cast doubt on the integrity of your credit reporting processes. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
I have submitted numerous requests to remove these fraudulent accounts, providing documentation and evidence of the identity theft. Yet, these requests seem to have fallen on deaf ears, as the inaccurate and damaging information remains on my credit report. This negligence and disregard for my rights as a consumer are both unacceptable and infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a loan on my Experian credit file that I did not oblige to. The loan is fraud. I've sent my supporting documents on XX/XX/2020 as well as I was in contact with someone by the name of XXXX XXXX on the compliance team and have not gotten a response. The loan amount appears to be {$11000.00}. The address XXXX sent over to me is not an address I have lived at nor is the signature on the documents my signature.
Product: Money transfer, virtual currency, or money service

My computer was hacked and a transaction was attempted from a service by the name of Xoom. I dont have a Xoom account but they are associated with XXXX XXXX. I was notified of a potential fraudulent. Payment in my name. I responded to the email immediately and told the fraud dept of Xoom that I did not have an account, I did not make a transfer, and I know no one in XXXX. They assured me the transaction would be stopped and no further harm would take place. Now I am being harnessed by Xoom collections for charges that dont belong to me. I sent all of the documentation backing up everything I said. They said the payment matched my previous history. What previous history I asked. I do not have a Xoom account and have never sent money to XXXX. They persist I. Harassing me via emails and phone calls.
Product: Checking or savings account

Direct deposit taken by Albert app and not refund on XX/XX/2023 2023
Product: Credit card

In Accordance with the Federal Reporting Act this creditor has violated my rights under 15 USC1681 sec 602. It also states that i have a right to privacy .15 USC 1681 sec 604A sec 2 It also states that t a consumer reporting agency can not furnish an account with out my written instructions.Under 15 USC 1666B a creditor my not treat a payment on a credit card account under a open and consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair act, XXXX XXXX XXXX Account XXXX 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 connot furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX  I called XXXX  asking them why they reported me 30 days late when i havw been making payments every month. I have the XXXX app that i used to make payments every month sometimes i will even make twice amonth.I spoke to the supervisor XXXX  of XXXX and i explained my situation that I went by what the app will tell me to pay when i said that the app automatically took out that account that i was reffereing too, I went to my computer and I couldn't find the account. I called them back to resolve this problem they said that I couldnt resolve because I filed for bankrupcy, I told them I never filed for bankruptcy they wouldnt provide me with any information, I requested a copy of the supposely file records they said they cant provide me with that. 
I spoke with XXXX from bankruptcy dept. from XXXX today XX/XX/XXXX  he gave me the lawyer that supposely i file bankruptcy with XXXX XXXX ( XXXX ) XXXX I called spoke with him and he didn't know anything about this claim. there was no record about any of this on my name. I really don't know what to do at this point.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
At this time The debt collection agency continues to report invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.
Product: Student loan

Last Year during Covid-19 i was sick with XXXX. Navy federal received my payment XXXX  days late for loan i obtain from them to further my education. I explained to navy federal numerous times about what happened to me those 2 months. Navy federal was so cold and heartless. Navy federal ruined my stellar payment history during the pandemic because of XXXX late payment. Now that XXXX, XXXX and XXXX have added XXXX pandemic hardship option to the dispute area I disputed this XXXX day late again to navy federal XXXX Within 1 week navy federal credit union responded that this account is accurate. I didnt dispute this account to be told that its accurate! I disputed this account with navy federal to acknowledge the new option that all XXXX credit bureaus have provided on their websites for me to choose. If my education loan was affected during the Covid-19 pandemic it says i can ask for relief. XX/XX/2021 we were on lockdown. I was sick with XXXX and did not go back to work until XX/XX/2021. Navy federal still received payment and chooses to ruin my credit.
Product: Credit card

I have a chime credit builder card with my own money on the card. I used the card at an ATM on XX/XX/2024 at XXXX XXXX. I tried to withdraw {$120.00}. The transaction was approved but the money did not come out of the ATM machine. The checked my chime credit builder card and saw a charge of {$120.00} was still pending and taken from my balance for that transaction and another charge of {$2.00} was pending for using an out of net-work ATM with chime. I immediately spoke to the location that housed the ATM machine. They printed out a slip for the transaction and showed that {$0.00} was dispensed during that exact transaction. The casino teller stated that the charge should not be posted on to my account and my funds should be added back to my balance. However, the transaction posted to my account and my funds were never returned to my chime credit builder card. I disputed the charge with chime on XX/XX/2024, later in the evening. They reported that the process would take a few weeks. I checked my dispute to see that it was denied on XX/XX/2024. I contacted chime today, XX/XX/2024 and asked how they disputed my claim and I never received any money. Chime reported that they cant assist me because the investigator made a decision. I am trying to see how they can just take my funds and not give no explanation or refund for money that was mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 process 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 financial loss, and I seek appropriate redressfor these violations.
Product: Debt collection

I keep getting calls from individuals and no name companies who keep wanting to assist me in paying off my student loans. The last number that called me was XXXX. 
This is the message they left This is _____________ I missed you your loan service __ actually fell out of compliance by not telling you about the forgiveness program so far compliance and ___________ can you please give me a call back at XXXX so I can tell you when the Department of education is offering for your loan _________ have a great day. I was recently scammed out of {$1000.00} from a similar company calling themselves XXXX XXXX XXXX XXXX.