23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed my taxes with XXXX XXXX and decided to receive my refund on an American Express serve card. I have had problem after problem with this card. I tried to go to a bank to take my money off of the card but it said not authorized. I tried to pay a bill but the company does not accept the card as man companies does not accept American Express. I called the company which is horrible to get anybody on the phone and was told I can take my money off the card at any XXXX location. I went to XXXX and was told the cards have not been allowing people to take their money off. The XXXX worker told me it works for some people but for some it I doesnt. I swiped my card and the transaction would not go through. After trying twice I then left and called the card company and was told my account was locked due to fraudulent activity for no reason. I had to wait on hold for an hour and a half for representative to get on the phone and ask two questions and unlock my card. This is by far the worst card I have ever had to deal with. I will never again use this card once my money is withdrawn and I wouldnt recommend it to anyone.
Product: Checking or savings account

I was informed that my account was being close due to " unexpected activity ''. Ive been a loyal customer for 14 years for personal use and business for that 7 years. My spending behavior has not changed and all my expenses are there in my statement. I have a credit union that can transfer large amount off money to external bank so i would pull out money from the credit union to place into my chase account to pay off my business card.
Product: Student loan

Hello, On XX/XX/XXXX I sent the following message to MOHELA : " Hello, I was going through my payment history and noticed that the 14 months listed below did not have a due payment on them, so therefore are not counted towards my PSLF count. From XX/XX/XXXX thru XX/XX/XXXX should have been an in-school deferment. I am not sure what the deal is with XX/XX/XXXX - other than it was a COVID pause? Is there a way to make payments retroactive for the months listed below and get them counted towards my PSLF total? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks! '' On XX/XX/XXXX I received the following message from MOHELA : " Thank you for contacting MOHELA, We apologize for the length of time that has passed since we initially acknowledged your email inquiry. If your inquiry has already been resolved, we hope that it was resolved to your satisfaction. 

If your inquiry has not been resolved, please call our Customer Service at XXXX. If you need more information about Public Service Loan Forgiveness ( PSLF ), please visit StudentAid.gov/pslf or call XXXX. We have also included a few of the top PSLF-related Frequently Asked Questions ( FAQ 's ) below. '' ( FAQ/Remainder of MOHELA response removed for brevity of message sent to CFPB ) I waited seven weeks for them to respond to my inquiry and all they did was give me a boiler plate message that did not address my inquiry and proceeded to close my case.
Product: Debt collection

XX/XX/2020, I purchased a car from XXXX using an extension of credit from my XXXX XXXX XXXX XXXX Signed a bilateral contract between XXXX and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, XXXX, and requesting a debt validation, XXXX responded saying they were unable to validate. I have sent BRIDGECREST, the third party collector, numerous debt validation letters in which BRIDGECREST sends unvalidated, altered documents in which BRIDECREST is not listed as a party but lists XXXX as the original creditor. However, when I request validation from XXXX they are unable to provide it stating that Bridgecrest has the original document, however, BRIDGCREST has failed to produce any contract that shows them as a party with any security interest. Therefore, if XXXX is unable to validate the alleged debt, BRIDGECREST is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
Product: Debt collection

Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
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, 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: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$1100.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX XXXXXXXX XXXX : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX  XXXX XXXX  ACCT : XXXX AMT : {$760.00} XXXX XXXX XXXX  ACCT : XXXX XXXX : {$1600.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Payday loan, title loan, or personal loan

I applied for a business loan using my TIN with XXXX. I was denied a credit an extension of my credit. I am the original creditor pursuant 15 USC 1601 ( TILA ) 1602 ( G ) ( I ) ( J ). I am a natural person or organization have an open ended consumer credit. 
Paypal will still collect money for running my TIN which is another violation pursuant 15 USC 1691 ( d ) Equal credit opportunity act also know as discrimination. 

Additionally, XXXX requested my credit card ( social security ) number administered to me by the Social Security Administration. However, it clearly states that if you are " Enter your Social Security number ( SSN ) if your business is a sole proprietorship or single-owner LLC without a Federal Tax ID ''. 

XXXX is being deceptive practices by trying to collect credit off of my TIN and Credit Card Number ( social security number. )
Product: Consumer Loan

Gateway One Financial - Sent a field agent to my home on XX/XX/XXXX while my account was XXXX XXXX along with placing calls to my place of employment after the advisement of no calls we to made to this location. Communication outlining these complaints were sent to Gateway One Financial XXXX/XXXX/XXXX and as of XXXX XXXX, XXXX there have been no response, just calls to numbers that have been advised as a DO NOT CALL.
Product: Credit reporting

Re : Account # : WASHOECTY XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/16. The credit report of XXXX/XXXX/16 shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00}
Product: Debt collection

XXXX XXXX is attempting to collect a debt originally from Capital One that has been paid and settled in 2018. I have contacted them and sent proof from the credit report showing the debt settled, but they havent taken any steps to correct their error. Im attaching the account showing its been settled and the active collection from XXXX XXXX illegally trying to collect on a debt already paid.
Product: Debt collection

i receive a letter for XXXX XXXX for {$1000.00} from the collection agency which i dont owe them anything them are not my charges
Product: Credit reporting or other personal consumer reports

I contact the consumers reporting agency notifying them that there was inaccurate information on my report. They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. The debt collector reported that my payments status was payed as agreed to XXXX and XXXX, Meanwhile reporting to Experian that the status was 30days late two ( or ) three time. That statement is not a factual statement. This is my credit report that is at state. I need all factual and accurate information on my report only.

15 U.S. code 1681s ( A ) ( 1 ) A States 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. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile. 

The account listed below reported inaccurate information XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act This creditor ( Bridgecrest ) has violated my rights. Under 15 USC 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measurements to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they're 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 REDRESS FOR THESE VIOLATIONS.
Product: Credit card or prepaid card

I had XXXX credit cards with Chase Bank. I will provide the details of all the cards, open date and usability Chase XXXX XXXX : XXXX, Opened in XXXX. Limited use. Used at least once a year. 
Chase XXXX XXXX : XXXX, Opened in XXXX use. Used at least once a year. 
Chase XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently Chase XXXX XXXX XXXX : XXXX. XXXX XXXX. $ XXXX. Opened in XXXX. Used Frequently and heavily everywhere. 

I am very upset and disgusted by the steps of chase bank to close of all my accounts on XXXX XXXX, XXXX without providing me any notice. All accounts all the time paid in full for all the balances. This is severely flawed banking systems in chase. I want chase to return my annual fees and compensate me by reopening my accounts. I do not want to lose my credit history and I do not want more credit checks in my reports. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Also XXXX this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX Bankruptcy : Discharged XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : US DIST CT XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court