23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Capital one keeps sending me false advertisements of pre approval. They pulled a soft inquiry on my credit report to gather the info. Then send me multiple advertisements saying ive done been approved for a loan between XXXX and XXXX dollars. Then when ya wan na see what the amount is. They tell you that you havent been and there is no amount ir pre approval. The flyer doesnt say i could be approved, it specifically states ive already been approved. But thats a lie. Also ive told them several times to not contact me. I went through the opt out procedure and sent a cease and desist letter. Theyve ignored it. I am not a customer nor do i have dealings with them or their affiliates. This advertising is a lie and completely false. The only parameter i matched was living within XXXX miles of the dealership which they said was all they required. There was no preapproval or even an attempt to see. Nothing on this flyer leads to the thought that i am not approved. It actually tells me verbatim " you got the green light to purchase the vehicle you want with preapproved auto financing ranging from {$4000.00} to {$55000.00} through capital one '' and i receive this offer weekly for various dealerships. This is a lie and blatantly false. This type of advertising has negative consequences as most actually are not going to be approved at all and then the dealerships going to run multiple inquiries on the report causing a drop in credit score all because the consumer was told and led to believe they are approved. Its dirty and false and needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$430.00} XXXX Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX type Apartment complex XXXX XXXX XXXX  XXXX XXXX XXXX LA XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New York State General Business Law Section 380-j ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ; Experian is refusing to delete a paid XXXX  account that was charged off that has reached a 5 year mark and thus violating NY State law and my rights as a consumer. The date that the exclusion of collections and charge-offs is calculated is based on the date of first delinquency, yet Experian is stating that the date that the account will be deleted is the date the account was changed to charge off status which is 6 months after the date of first delinquency.

This is not line with neither state nor federal law. Moreover, this account was automatically removed from other credit reporting agencies due to the 5 year law in NY.

Experian is violating my consumer rights by refusing to delete this account, and I need for Experian to promptly rectify the matter, and delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX & Equifax credit reporting agency , block information appearing on my consumer credit report due that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The information in question is due the Equifax XXXX XXXX which my information was compromised. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX on XX/XX/year> under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/year> under the account number XXXX. These accounts have resulted in several hardship denials of credit and fraudulent charge offs appearing on my consumer FICO credit report. 
All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
The accounts are also currently under litigation as you will see documentation attached
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments from XX/XX/year> and XX/XX/year> are reporting incorrectly. I urgently need the late payments that are listed on my credit report removed.
Product: Credit card or prepaid card

On Friday, XX/XX/2021, I made a payment to both of my credit cards from Capital One. I always pay my credit cards from the same bank account. I was checking to see if the payments were made through the Capital One app and a payment was applied to the second card I have but the money was not available. I called Capital One to see what was the issue. I spoke with a representative named XXXX ID # XXXX. She told me that my payment had been returned in XXXX and that from now on Capital One has the discretion to hold money from my account. She then had the audacity and proceeded to ask me what I needed the money for!! Otherwise I would not get the money released unless it was for groceries or gas!! I told the representative it doesn't matter what the money will be used for if I paid the payment I can use the available funds for what I want!! 

I then told her I wanted to speak to a supervisor then XXXX ID # XXXX said, " no worries '' as if to say XXXX you in so many words! I spoke with XXXX ID # XXXX. She stated she would send me paperwork stating that Capital One has the right to hold my available funds at their discretion which makes no sense!!
Product: Money transfer, virtual currency, or money service

Good day, one of my checking account ( ending in ... XXXX ) was closed by JPMorgan Chase with over {$9000.00} within it, however a great deal of it ( ~ {$6000.00} ) is currently being kept in suspense and would not be released to me. These were checks I received from XXXX XXXX XXXXXXXX XXXX XXXX for my commissions and bonuses when I was working there as a Life Insurance Agent. 

I have tried to contact customer service through phone numerous times and I was told that it is in suspense because verification from the maker of the checks is needed. However every time they tried to contact XXXX through a verified business number, they couldn't get in touch with the person needed to verify these checks. 

Of course, I have tried also to deal with XXXX  on my end, and it would be a simple process if they could call one of my manager at the branch office in XXXX XXXX at XXXX and have her verify these checks. However they mentioned that they can only contact XXXX through a verified business number, which is the Home Office in New York that they have so much issue getting in touch with. 

My question is why did Chase allowed these checks to clear and the money withdrawn from the maker if they weren't verified? 

The money was allowed to cleared and enter my account, of which Chase ended up closing to deny me access to my money. 

If the checks weren't cleared and the money was still in the maker 's hand, I could request XXXX XXXX XXXX to cancel these checks and reissue new one to me, alas that is not the case. If the checks were allowed to be cleared, I believe that is sufficient ground to prove that the checks in legitimate and a suspense is unnecessary. 

The money has been put on hold for over a week now, and I am in dire need of it to pay my bills, my rent, groceries, and various other expenses. I would greatly appreciate it if this issue regarding the suspended fund is dealt with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

According to my research about FCRA 605, CREDIT BUREAU are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Invalid Accounts on My Credit Report I am formally disputing the inaccurate accounts appearing on my credit report from XXXX XXXX, XXXX XXXX XXXX XXXX, and US Bank. These accounts have been closed and sold to third-party companies that do not have the legal right to collect or report these debts in my name. As per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), inaccurate or unverifiable accounts must be removed from my credit file immediately.

I have already filed a report with the FTC regarding these violations, and I am now requesting that the CFPB take action to ensure compliance with federal law. These accounts should not be listed on my credit report, and the companies reporting them must be held accountable for failing to correct these inaccuracies. 

Please investigate this matter and require the credit bureaus and data furnishers to REMOVE these accounts immediately. I appreciate your prompt attention to this issue. 
My personal information, including Social Security card, email, addresses, addresses, and password. I've been discovered on the XXXX XXXX XXXX XXXX. ( All my information has been exposed in the data breach ) XXXX XXXX {$4000.00} XXXX XXXX XXXXXXXX {$5200.00} US BANK {$1300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX under account XXXX XXXX, Account XXXX XXXXXXXX, Another collection account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I had an account with Macy 's which I had for around 10 years. I made a purchase during XXXX of last year, but did not receive a bill. I found out when applying to refinance my house that I owed Macy. I contacted them to complain that I had n't received any bills, they had changed my mailing preference to email, without my permission and without an email on file. They took the late fees off and 4 months ago I paid a small balance in full prior to the due date. The next two months I received bills for {$1.00} each month. I finally paid {$2.00}, when I received the 2nd bill. Then this month I received another bill for {$1.00}. This is ridiculous, the account is supposedly closed, but they are billing me {$1.00} per month.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues related to the handling of my credit information by Equifax, which I believe may violate the provisions outlined in 15 U.S. Code 1681s2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Personal Tracking Information : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) US Postal Service I dispute the bankruptcy information listed on my credit report, as reported by Equifax, in accordance with the provisions of FCRA 623 ( a ) ( 5 ) : XXXX XXXX Bankruptcy, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Unauthorized Credit Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Following Accounts : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX # XXXX 6. XXXX XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX I have made repeated requests for proof of the verification process for the updated information, particularly regarding the unauthorized credit inquiries and account accuracy. Regrettably, Equifax has failed to provide any documentation, raising concerns about their compliance with the FCRA and their duty to furnish accurate information. 
In light of the above, I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into Equifax 's practices regarding the verification of information and to ensure compliance with 15 U.S. Code 1681s2 ( a ). Additionally, I request the immediate deletion of the unverified and inaccurate information from my credit report. 
Your prompt attention to this matter is highly appreciated, and I look forward to a resolution that upholds the standards set forth by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX didnt have a way to let you know if you send money its final and complete and you just couldnt get your money back and this happened to me plenty of times where I sent my money to an account and XXXX didnt offer a warning before being sent out and now they put it when it was late and I had lost out on a few thousand dollars doing so I wish it was made that way from the beginning and I wouldnt have lost money and been in a bad situation if XXXX policies were set before trying to compete with cash app I wouldnt have never had that problem
Product: Mortgage

I was working with my relationship manager XXXX XXXX XXXX at Ocwen Home Retention Dept.since XX/XX/XXXX, and she was helping me with loss mitigation offers since last year. Therefore, in XX/XX/XXXX I was offered a loan modification in which I accepted and submitted to Ocwen by email in which I received a confirmation on XX/XX/XXXX. During my myriads of telephone conversations with Miss XXXX at Ocwen I was reassured that while I was working with my relationship manager to find a solution for my loss mitigation options to retain my home Ocwen will not go forward with a foreclosure. However, in XX/XX/XXXX Ocwen filed a motion to restore my foreclosure case ( Index No. XXXX XXXX Supreme Court ). Even though I was working with Ocwen in good faith to get either a short payoff offer or a loan modification during the time period in which Ocwen 's Attorney 's filed a motion to restore my case for foreclosure I was appalled to learn of their action. Furthermore, when I when to Court today to inform Ocwen 's attorney 's that I accepted a loan modification and showed the attorney from XXXX, XXXX and XXXX XXXX. 
proof and confirmation of email they did not remove their motion to restore.There was a letter submitted to the Honorable XXXX XXXX XXXX on XX/XX/2018 by the attorney 's for the Plaintiff, through it's servicer, that an active " CFPB '' hold applies to the Action base on loss mitigation activity. 
In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time that it prepares to foreclosure on the subject property. 
Sincerely. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate consumer 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 and under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a call regarding a balance ( {$140.00} ) on a payday loan from XXXX XXXX. I advised I did not take out a loan with XXXX XXXX for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( D2M ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.
Product: Money transfer, virtual currency, or money service

Sent money out through my Chase checking account to a XXXX XXXX account for an invoice of {$1900.00} on XX/XX/2023 XXXX  XXXX Account unexpectantly canceled the money transfer, and the money has not yet been received to the original checking account for over 7 business days, well after I was told directly by Chase that it would take no longer than 2 business days.

Chase has yet to do anything to resolve this issue and have hung up on me multiple times after speaking with their fraud department and wire research center.