23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX.- Account XXXX XXXX Account name : XXXX XXXX.- Account # XXXX Account XXXX XXXX XXXX XXXX XXXX.- Account # XXXX Account name XXXX XXXX Account # XXXX Account name : XXXX XXXX.- Account # XXXX Account name : XXXX  XXXX. 

Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681.

And according to 15 USC 1681 they are supposed to do this. Treatment of inaccurate or unverifiable information.

In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file for the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, And according to 15 USC 1681 they are supposed to 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, credit repair services, or other personal consumer reports

Great Lakes reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. Great lakes has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent Great Lakes an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Product: Debt collection

PLEASE CANCEL COMPLAINT #  XXXX  FILED ON  XXXX / XXXX /  XXXX   TODAY A DEBT COLLECTOR CALLED MY PHONE LOOKING FOR MY SPOUSE  XXXX   XXXX   XXXX  SS #. SHE ASKED WAS HE AVAILABLE AND I ASK HER WHAT CAN I HELP HER WITH. THE COLLECTOR  XXXX   XXXX   XXXX  FR OM ALLIANCE GROUP  CALLED FORM PHONE #  XXXX  HER DIRECT LINE. SHE ADVISED ME SHE WAS CALLING MY HUSBAND IN REFRENCE TO A PAYDAY LOAN FROM   XXXX   XXXX   XXXX   XXXX  AL. SHE QUOTED  XXXX  I ADVISED HER THE AMOUNT WAS INCORRECT. SHE BEGAN TO OVER TALK ME. WHEN I TRIED TO TAKE OVER THE CONVERSATION SHE GOT FIRED UP AND PROFANITY WAS EXCHANGED. SHE CALLED ME A  XXXX  AND ADVISED ME TO  XXXX  SOME. WHICH WAS HER EXACT WORDS. AS A DEBT COLLECTOR SHE USED OBSCENE LANGUAGE TO ME. AND THEN SHE HUNG UP AND CALLED ME BACK TWICE. SHE VIOLATED FDCPA. I HOPE THE LINE WAS RECORDED. I NEED HELP FILING A COMPLAINT WITH THE FTC. I WANT THE COLLECTOR FINED AND THE COMPANY FINED AS WELL THE ALLIANCE GROUP. I ORIGINALLY THOUGHT THAT  XXXX   XXXX  WAS THE RESPONSIBLE BUT THEY INFORMED ME THEY OUTSOURCE THIS ACCOUNT TO ALLIANCE GROUP  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  SC  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a text message saying i was approved for a loan with Avant with a documemt to sign but i didn't sign it XXXX when i did think about signing it the link had expired i talk to avant and they said they didnt send me anything the document had there name on it with the amount that was was approved for
Product: Debt collection

American Credit Bureau , Inc. did not contact consumer about this bogus debt before it was placed on my credit reports. XXXX has verified this bogus account several times. This account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SEC. 4021. CREDIT PROTECTION DURING COVID19.

Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Product: Credit reporting or other personal consumer reports

ToWhomItMayConcern, I am writing to formally dispute the inaccuracies on my registration in your system, specifically regarding incorrect names and addresses. I have previously requested multiple times for this incorrect information to be removed, yet my requests have not been adequately addressed. 
As per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I have the right to accurate and up-to-date information on my records. The continued presence of incorrect names and addresses on my registration is a violation of my rights under these laws. 
Below is a list of the incorrect names and addresses currently listed on my registration that must be removed immediately : ****INCORRECT NAMES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****INCORRECT ADDRESSES **** XXXXXXXX XXXX XXXXXXXX XXXX XXXX AZ NEVER LIVED HERE IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NEVER LIVED IN THIS STATE IDENTITY THEFT I am requesting, once again, that you immediately remove any names and addresses that are not mine from your records. Please provide a written confirmation that these changes have been made. 
MY ONLY PLACE OF RESIDENCE SINCE 2013 HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX If this issue is not resolved promptly, I will have no choice but to escalate this matter through legal action and report it to the appropriate regulatory authorities. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX STILL HAS INCORRECT CURRENT ADDRESS THE XXXX XXXXXXXX ADDRESS I NEVER BEEN ASSOCIATED WITH THAT ALL MY FRAUDULENT ACCOUNTS WERE LINKED TO I CONTACT XXXX I CANT EVEN PASS THE IDENTITY VERIFICATION QUESTIONS BECAUSE I KNOW NOTHING OF THE FRAUD ACCOUNTS I SUBMITTED ID VERIFICATION SS CARD BIRTH CERTIFICATE THE ACCOUNTS THAT ARE FRAUDULENT STILL ON MY REPORT AND ITS AFFECTING ME FROM LOOKING FOR BEW PLACE TO LIVE SINCE IM TRYING TO DOWNSIZE SINCE MY KIDS MOVES OUT IM GETTING DENIED DUE TO THESE ACCOUNTS I HAVE NO KNOWLEDGE OF
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/22 My credit score was a XXXX It is now a XXXX Experian is now pushing yearly credit cards on people with bad/fair credit. It's a bait and switch. The companies of these credit cards are paying Experian to push their drugs/high-interest rates cards. The credit card company then pays Experian for placing preapproved credit cards on their site. Mind you with a yearly fee and very high-interest rate. Predatory lending at its finest! Moreover, once you're approved for their card your credit score goes back up. So do you see the scam/con? Checking your credit isn't really free while they're pushing these high credit cards on " poor '' consumers. If you will not rectify the problem, we will be going to the news media. These folk needs to be exposed! Experian act as if they are acting in good faith in reality they are soliciting to consumers for these predators lenders with high interest rates affecting poor disadvantage consumers as myself whom have been disproportion marginalized from the begining credit never was designed for minority with education to understand how it works it's been a generation curse for XXXX due to being XXXX on the importance to good credit Sincerely, XXXX XXXX XXXX XXXX consumer.
Product: Credit reporting or other personal consumer reports

Incorrect Name : XXXX XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX XXXX ADDRESSES INCORRECT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account needs to be validated . 
XXXX  XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX XXXX  XXXX Account XXXX This account needs to be validated. 
XXXX  XXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX XXXX XXXX Account XXXX This account to be validated. 
XXXX XXXX  Account XXXX This account to be validated. 
XXXX XXXX Account XXXX This account to be validated XXXX XXXX  XXXX Account XXXX This account to be validated XXXX XXXX XXXX  XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

Im writing to dispute a bill of {$1300.00} ( the 2 XXXX  charges ) received from the Receivable Collection Service sent on behalf of XXXX XXXX XXXX. 

Prior to receiving this bill, I was not aware of the outstanding balance nor did I receive a bill from the medical office. Upon receiving the bill, I checked with my insurance company and was informed that I am not responsible for that full amount. 

When I contacted the collection agency afterwards, they agreed that i am not responsible for the full amount either. I was promised the amount will be corrected, but to this date I have yet to hear back. It has been almost 2 months at this point with no change has made. 

Therefore, I am formally requesting to have the Receivable Collection Service remove the balance of {$1300.00} from my account. Enclosed are a copy of the bill received and a copy of the insurance statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( XXXX, transuNION AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open mortgage loan with XXXX XXXX XXXX XXXXFin Acct # XXXX reporting date XX/XX/XXXXand an open date XX/XX/XXXX. XXXX XXXX XXXX is reporting that I had a loan with them open dateXX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States?
I never had a mortgage with XXXX XXXX XXXX at no time in my entire life. I have enclosed my supporting documents to affirm the claim that XXXX XXXX XXXX repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. XXXX XXXX XXXX is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ).
I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit XXXX XXXX XXXX account should be removed from my Equifax credit report.
I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I sent Equifax a notarized letter advising them that my DOB and other information was incorrect. Equifax claims they never received the documents, however I have provided tracking information to show the documents were received.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX : {$1100.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XX/XX/year>
Product: Credit card

Apple has released their new XXXX XXXX and as I typically do every year I went to pre-order it and finance with my Apple Card for 0 %. 

This year apple has instituted a new rule where they are requiring me to have cell phone service with one of the 3 " Major '' cell providers ( XXXX & XXXX, XXXX, or XXXX ) in order to finance it on the apple card. I use a XXXX XXXX, a smaller cell provider, and because of that Apple is not allowing me to finance this year 's XXXX on my existing apple card. 
My complaint is that my financial relationship with Apple / Goldman Saks for the Apple Card and my ability to purchase a phone directly from Apple to finance on their card should be agnostic to the provider I choose for my cell phone. Especially when the only 3 providers they are requiring are all much more expensive than my current provider. There are many customers in the US that rely on lower cost cell phone providers ( called MVNOs ) and use Apple 's 0 % financing to make the total monthly cost of cell phone bills ( cost of phone + cell service ) lower than larger carrier. 

I feel that Apple is now colluding with the larger cell phone providers in an effort to force customers to leave the lower cost providers and re-join the higher cost major providers. I'm not sure if the providers are pushing Apple towards this or if it Apple 's own decision but eitherway I believe it should not be permitted.
Product: Credit reporting or other personal consumer reports

I am filing a complain against Equifax and for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission. This practice violates The Fair Credit Reporting Act. I requested that the CFPB take action to ensure Equifax complies with the federal laws and provide consumer with the necessary proof for investigation.
Product: Checking or savings account

Chime is holding my direct deposit stating that I have to verify via email before they release my funds. I have been getting direct deposit from the same company on the same day for 2 years. I have called 5 times spending total of 3 hours on the phone with them today and they still wont give me a reason why my funds are being held and still havent sent a email for me to verify. The first 2 people told me there was nothing wrong and they didnt have my deposit. Once I asked for a supervisor she then told me it was being held for verification but she didnt know what needed to be verified. This is very frustrating that they are holding my direct deposit but cant tell me what for or when they will release it.
Product: Money transfer, virtual currency, or money service

See CFPB claim number : XXXX & XXXX for details Please have Wells Fargo explain how they are exempt from the What is the Electronic Fund Transfer Act 2023? The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers.

The questions and answers below pertain to compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

This is a Compliance Aid issued by the Consumer Financial Protection Bureau. The Bureau published a Policy Statement on Compliance Aids, available here, that explains the Bureaus approach to Compliance Aids.

5. A third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account. Does the transfer meet Regulation Es definition of an unauthorized EFT?

Yes. As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 3. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) 4. XXXX XXXX ( XXXX XXXX XXXX ) 5. XXXX XXXX ( XXXX XXXX XXXX ) 6. XXXX XXXX ( XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX XXXX ) 8. XXXX ( XXXX XXXX XXXX ) 9. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 10. XXXX XXXX ( XXXX XXXX XXXX ) 11. XXXX XXXX ( XXXX XXXX XXXX ) 12. XXXX XXXX ( XXXX XXXX XXXX ) 13. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 14. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 15. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 16. XXXX XXXX ( XXXX XXXX XXXX ) 17. XXXX XXXX ( XXXX XXXX XXXX ) 18. XXXX XXXX ( XXXX XXXX XXXX ) 19. XXXX XXXX ( XXXX XXXX XXXX ) 20. XXXX XXXX ( XXXX XXXX XXXX ) 21. XXXX ( XXXX XXXX XXXX ) 22. XXXX ( XXXX XXXX XXXX ) 23. XXXX XXXX ( XXXX XXXX XXXX 24. XXXX XXXX ( XXXX XXXX XXXX ) 25. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 26. XXXX XXXX ( XXXX XXXX XXXX )
Product: Mortgage

My loan was purchased by Mr Cooper ( NationStar Mortgage ) and transferred on XX/XX/2024. A week prior to this transfer, I was switching my Hazard Insurance to a new company. To this date, they can not confirm that they received the new Insurance information and I do not want to cancel my old Insurance until I get that confirmation. And this whole time, I am paying for 2 policies. They have absolutley no way to call to get a hold of a live person. Phone trees go off into an abyss. I was finally able to get a live person from their main website page and had to act like I wanted a new loan ( be a new customer ). And I was transferred around for 45 minutes and eventually told that my Insurance Broker has to call in to change the insurance. But with the phone trees of nothing, I am not confident that my broker will get through to anybody. THERE IS NO WAY TO SPEAK TO A LIVE PERSON FOR QUESTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc .... 
Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removed XX/XX/XXXX And should no longer be visible thru my credit report Sta. U.