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 has violated my rights. 

Account XXXX  XXXX XXXX Account XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX 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 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 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 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.

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: Checking or savings account

Chase bank closed my personal checking account at the beginning of XXXX ( XXXX or XXXX XXXX ) without the details reason provided. When I was called their backdoor customer service agent at first, I was told that I will receive the refund check of remaining balance in XXXX calendar days ( or say XXXX business days ). There is nothing shown at the date they suggested. Then the above progress repeated when I called them, they said XXXX more week, still nothing received. When the last time I called them, they told me there is no exactly time frame for the refund this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX Account Info 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX 10 ) XXXX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ) 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I previously had COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/XXXX. 

Carmax stated that it had rectified the issue, and it appeared that it had. Yet, twice more, the problem occurred. The problem is the removal and seemingly automatic readdition of gap insurance and some maintenance plan. I don't understand how it can automatically be re-added, yet, it keeps happening, which takes my account from being in good standing, to seriously delinquent overnight. 

In XXXX, as I was assured that it was really fixed this time, I requested a payment extension to XXXX. On XX/XX/XXXX, I made that payment approximately ten days before it was due. When I attempted to make the XXXX payment, I couldn't online. When I called in, I was informed that the account had been charged off!!! I again spoke to the manager, XXXX XXXX, who had previously assisted me. He was as shocked as I was on the current status and began the process to get this rectified again. 

Yesterday, XX/XX/XXXX, I discovered that Carmax had updated my credit report with this invalid information, causing me to possibly lose the home I'd been preparing to get since early XX/XX/XXXX. This issue has caused hardship for my family and me as our lease ends at the end of this month, and we have nowhere else to go. 

At this time, Carmax can't be trusted to do as it says it will do. I heap accolades on XXXX XXXX for attempting to resolve this permanently for me, yet, at this time, I feel that only government and corporate-level intervention can fix this. And it may be too late for my family and me as our housing is now in crisis.
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 {$23000.00}, {$31000.00}. 
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 ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Product: Debt collection

On XX/XX/2023I received a phone call from a local nunber that left me a voicemail. The voicemail was threatening legal action against me if I didn't get into contact with them prior to this debt being " discharged '' from their office. They stated legal action would be taken against my name and social security number.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Diversified C onsultant In. Is trying to collect on a debt that was already disputed and deleted from all  XXXX  bureaus..   Diversified is trying to do fraud actions and I will make sure I go to BBB if this does not get resolved.   How can you get information on me without my knowledge and try to make a collection on a debt that was disputed and deleted of my account in  XXXX ?   I Diversified consultant does NOT have and VALIDATION WITH MY SIGNATURE asking about a collection that was DISPUTED..   What Diversified consultant is trying to do is fraud.   Diversified bought this Already disputed and deleted account from another collection agency.   I will take further actions ...   I will sue and report this company to the Better Business Bureau
Product: Checking or savings account

Chime closed my account days before my direct deposit and transfers were scheduled to come to this account. They still are refusing to tell me why the account was closed and they are refusing to provide facts as well. I have been dealing with this issue since XX/XX/XXXX. I have spoken to an agent from the company today XX/XX/XXXX and he said that the company is refusing to allocate my funds and send them to me. He also said that Chime is not obligated to tell me anything about it either. He said the funds in the account belong to chime. ( But the money is mine though. I initiated the transfers and deposits to this account before and after it was closed. This place is stealing peoples hard earned money and it is not being talked about enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. XXXXT XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending uncountable letters appealing to Experian to confirm the disputed account and take out them if unable to show that the account is mine. I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a past due date collection on my account from Jefferson Capital System, ( XXXX XXXX ) for the amount of {$86.00}, as of XX/XX/2023. I have already paid this collection last summer when I received an offer to resolve the account with a lump sum payment of {$47.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit frozen several years ago and recently tried to refinance our mortgage. The two agencies were no problem to lift my freeze but Equifax has been a major problem. I have been calling, faxing, sent copies of my personal information with request to lift the freeze to no avail. 
I have had my bank run our credit and the only issue is with Equifax which they state no reason for them to have taken this long. 
I spoke with a woman overseas today with Equifax and she wanted me to send her a copy of my drivers license and social security card by picture on a link which was insecure. I stated I had sent the appropriate documents several time and she hung up. 
Please can you help us.
Product: Debt collection

I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from FIRSTPOINT COLLECTION RESOURCES INC, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692f ( I ) & 12 CFR 10006.18 ( 2 ) ( i ). FIRSTPOINT COLLECTION RESOURCES INC is now civilly liable to pay for damages.
Product: Debt collection

Im harassed by somebody trying to serve me leaving notice to sue on my door every other day.
Product: Debt collection

A secondary collection agency, Fidelity Credit Services in XXXX, is claiming we still owe on a five year old debt that was settled for a reduced figure and charged off in a Chapter XXXX bankruptcy with the originating creditor of XXXX XXXX XXXX in XXXX, CA. Fidelity Credit Services refuses to send any communication by mail to us regarding the so called debt. This company has had many judgements AGAINST them in the past 10 years. They are a scam company, call at all hours and verbally abuse the people they call. They will not listen if you have a legal explanation or ask to cease & desist. They have made REPEATED false statements reflected on all of our credit reports! Because of that, I am looking into legal action. Unfortunately, these people have been sued so many times, I'm not sure how they are still in business!?! They completely violate ALL of the FTC laws and the fair debt collection act laws in California. Reprehensible people that look for outdated and settled debt to prey on. CAN THE CFPB PLEASE INVESTIGATE THIS COMPANY!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is past the statute of limitations date file XX/XX/2012. Enjoy the statute of limitation of XXXX years so this account should be removed immediately and delete it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My back ground report is out dated and I asked the company to make these corrections and XXXX received the same 7 year old report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FOURTH time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX/XXXX  # XXXX
Product: Mortgage

I applied for a refinance in XX/XX/2020, the process appeared to be fine starting with XXXX XXXX and XXXX XXXX. I paid for an appraisal, place was appraised at double the loan amount. They quoted me 45 days. They asked for the same documentation numerous times, I guess I didnt see this as a red flag for their inability to stay organized. They stopped returning calls, but when I would be able to get a hold of my loan processor, she would tell me we are almost there to the finish line. They would ask for new payoff statements since their deadline was passed, new bank statements, etc. 
Two and a half months into it I was able to speak with the loan processors manager, XXXX XXXX. He assured me everything would be resolved. My debt to income needed to be adjusted, I paid off a credit card in the amount of {$9000.00}. 
They asked me to get a letter from the credit card company showing this was completed. The underwriters confused where I am living with the property being refinanced. They could not understand the addresses were different. Letter after letter of explanation and Another three weeks went by with calling them daily. Sometimes not even a return of a call but an auto generated email, is everything okay we see youve called. Had numerous conversations with XXXX XXXX, where he apologized for all the lack of communication within his team and he assured me he would make this right and he would be In communication with me. None of which occurred. Waiting so long The rate expired, XX/XX/XXXX I received a call 90 days into the process saying they would not be able to move forward, no clear answers, unable to understand what happened in the 90 days of time.
Product: Debt collection

LVNV Funding LLC opened a fraudulent debt collection account against me in XX/XX/XXXX and continues to report false information about a false debt to my credit report accounts on the three credit bureaus. They have failed to provide me with any actual proof that I have borrowed money from them, opened a credit card account with them, or signed any contract with them at any point in time. They have accessed my credit reports without my consent. They have utilized their affiliate companies Resurgent and XXXX XXXX to contact me in attempts to collect money from me that I don't owe and that they are not entitled to. They are not attorneys representing XXXX for the fraudulent XXXX account opened in my name in XXXX, they are debt buyers who purchased my information off of the Dark Web in an attempt to extort money out of me. I have filed a police report and retained an attorney.
Product: Debt collection

Wakefield & Associates trying to collect a debt for XXXX XXXX. Debt is inaccurate ; we met our family deductible at the beginning of 2021 because my daughter has juvenile XXXX XXXX and as such, we hit both the individual and family deductible within the first 60-90 days of every year. Despite repeatedly sending info to XXXX, Wakefield and XXXX XXXX, Wakefield attached this to my credit report. I am also not the responsible party for this debt ; that belongs to XXXX XXXX as the account holder for the health insurance, but regardless, the debt is not owed because health insurance covers it. In addition to the collection, they are also reporting that I have made a payment on the account in credit collections, which no payment has been made ever to them. This needs to be removed from my account because it is impacting my credit by XXXX points and causing other card companies to reduce my credit lines. This is unacceptable.
Product: Credit card

I had several of my credit cards stolen repeatedly and from which fraudulent purchases were made. I also had someone use my identity to buy a cell phone without my knowledge
Product: Payday loan, title loan, personal loan, or advance loan

I applied for this loan on XX/XX/year> It did not clearly state that it was a payday loan and the interest is 435 % on {$1100.00} far above what should be allowed in Georgia I would like to pay it back but it's affecting every area of my life! this is predatory and should not be allowed. this company is not licensed with XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I sent {$220.00} to my friend, XXXX XXXX, who resides in XXXX XXXX, XXXX. The money, Transaction # XXXX, was sent through Western Union at the local, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The funds were sent on a Saturday afternoon. Unfortunately, the next 2 business days ( Monday & Tuesday ) in XXXX were holidays, and the banks were not opened. On the Wednesday, XX/XX/XXXX, Western Union in XXXX, paid the funds to someone claiming to be my friend. XXXX XXXX does not drive nor own a car, and lives about XXXX miles south of XXXX. She did not pick up the funds. Upon learning that the funds had been claimed in XXXX, I contacted Western Union, and filed a complaint, Claim # XXXX. My claim was investigated according to XXXX XXXX, and determined that it had been correctly paid. I asked how that was possible if XXXX XXXX had never been contacted? No reply. So, I believe that inside Western Union in XXXX, someone intercepted the transaction. Western Union does not care if XXXX XXXX actually received the funds. This can not be accepted as right, just, nor business as usual.
Product: Debt collection

I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, S.S.A, I even sent documents and called XXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a XXXX employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS. I also called today at XXXX
Product: Debt collection

They reported to the credit bureau that I had security services with XXXX and an outstanding balance of {$92.00}. However, all my payments were set up for auto-payment, so I never had any past-due amounts. My original account was with XXXX XXXX XXXX, which was later acquired by XXXX. After the merger, their service quality declined, and my security system stopped working due to their system upgrade. 

To my knowledge, I do not have any outstanding debt, and it would be unfair for me to be charged {$92.00}.