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.u.s.u. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1681 C. ( 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 than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) 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...
Product: Credit reporting

XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the XXXX XXXX XXXX on XX/XX/XXXX 2022, requesting the XXXX XXXX XXXX to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the XXXX XXXX XXXX are required to remove any accounts and information not later than 4 business days after XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Please See Exhibit 1 Attached ( Also Supporting Exhibits A-F Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I object to the failure of Equifax to protect my personal information, which was by the company 's own admission likely compromised by the hack into its system earlier this week ( Week of XXXX XXXX, 2017 ). While the company has attempted to fix this problem, no fix is possible when a credit reporting firm that is singularly capable of exposing me to the most significant ID theft ca n't protect its own data.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXubject : Request for Debt Validation Dear [ Debt Collector 's Name or " To Whom It May Concern '' ], I am writing regarding a debt you have contacted me about. Please note that this letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I do not acknowledge or accept any responsibility for this debt and request that you provide proper validation before I consider taking any further steps.

To validate this debt, please provide the following information : 1. Proof of the Original Debt : - The name and address of the original creditor.

- The date the debt was incurred.

- A copy of the original agreement or contract.

2. Debt Details : - The total amount of the debt, including a breakdown of fees and interest.

- Documentation showing that the debt collector is legally entitled to collect this debt.

3. Account Verification : - Proof that this debt is tied to my identity.

- Evidence of the chain of ownership if the debt was sold or transferred.

4. Proof of Licensing : - Verification of your agency 's license to collect debts in my state ( include state name ).

Please note that, under the FDCPA, you must cease all collection activities, including calls and letters, until you have provided sufficient validation of the debt. If you fail to comply, I will have no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Finally, this letter should not be interpreted as an acknowledgment or confirmation of any debt obligation. I look forward to receiving the requested information within 30 days of receipt of this letter. 

Thank you for your attention to this matter. I expect your timely response.
Product: Money transfer, virtual currency, or money service

Money was sent Via Zelle to a scammer ( who is now jailed ) I requested a refund thro Zelle and XXXX. XXXX  did refund the money but Zelle did not. XXXX $
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 ( 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 and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Credit card company said I made the purchases and that I was not paying the bill. Agreed to investigate report. Recorded line, FCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many atempts of contacting the 3 najor credit bureaus about these fradulent unauthirized accounts haunting my credit files, I decided to use this system, before filing suit if this is un successful. All these accounts come from my identification being stolen and misused. Im requesting that the following accounts be removed immediately and/ or show just cause physical docunentation and signatures associated with these accounts ; or these accounts shall be removed immediately. 

1 ) XXXX XXXX XXXX ( account XXXX ) {$860.00} 2 ) XXXX XXXX  ( account XXXX ) 3 ) XXXX XXXX XXXX ( account XXXX ) {$3300.00} 4 ) XXXX XXXX XXXX XXXX ( account XXXX ) {$6900.00} 5 ) XXXX XXXX ( account XXXX ) {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of Experian 's credit monitoring service. My score continues to drop because there is a technical error in their calculating algorithm. They have admitted to this problem as well as admitted its also affecting other customers. I filed my original complaint with them XX/XX/XXXX, case number XXXX, I have made several phone calls and I am told after 4 months that it is still in motion and being reviewed but they can not contact anyone internally in the technical support department to check status. Further more the analytics they provide on my account are incorrect, and fraudulent. Other credit bureaus have me listed in the 700 range while experian has me calculated because of their system error XXXX points lower. They refuse to fix the problem, and provide no service or information to help correct the issue.
Product: Money transfer, virtual currency, or money service

I am writing to urgently request the documents related to a dispute I raised on XX/XX/2023 regarding a {$2500.00} unauthorized transaction on my Venmo account. I am deeply concerned that Venmo 's response has not been in accordance with Regulation E, which mandates timely provision of dispute-related documents to the accountholder. 

On XX/XX/XXXX, after receiving the verdict that my dispute was denied, I initially reached out to the email Venmo provided ( XXXX ) requesting the documents pertaining to the disputed transaction. As per Regulation E, financial institutions are required to provide these documents within a reasonable time frame, typically within 10 business days. However, it has now been over a month since I made the initial request, and I have yet to receive any response or the relevant documents from Venmo. 

On XX/XX/XXXX, I attempted to contact Venmo yet again through their general customer service form, specifying all of the information included in this complaint, and requesting that they send me the following documentation : 1 ) A detailed transaction history related to the disputed transaction.

2 ) Any communication records related to the transaction in question.

3 ) Any and all evidence or supporting documentation related to the dispute.

, as well as requesting that Venmo acknowledge their previous failure to comply with Regulation E and provide an explanation for the delay in delivering the requested documents. However, I received a general response directing me to check my dispute status through their website/app, which does not contain any of the documents I requested, and failed to acknowledge their Regulation E violation as well.
Product: Credit card or prepaid card

I live in Oklahoma and due to Covid 19 lost my job in late XXXX. I began collecting unemployment benefits and requested the funds be direct deposited to my XXXX XXXX checking account. All was fine until a month ago when unexpectedly the direct deposit stopped and funds were simply loaded onto my Go Program debit card. In the past month I have phoned their customer service department at XXXX. The first time I spoke to a CSR they verified my bank account info and said my bank rejected the payment. I then phoned my bank and was assured my bank account info was accurate and the file showed no attempt of a deposit. I called Go Program a second time and was told the office temporarily halted direct deposit and suggested I phone back in a week for an uodate. On my third call the automated system warned me I would be charged a fee if I spoke to an agent more than 2 times in a 30 day period. I waited and spoke to a csr who stated something was wrong with my direct deposit. They didn't know what specifically or when I could expect resolution and suggested I phone back in a week. I placed my 4th call  on XX/XX/XXXX. This agent told me direct deposit was no longer being offered. I pressed her for explanations and details but she claimed to have no additional information and this issue affected everyone in my state on unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Product: Credit card or prepaid card

Citibank increased my interest to 29.49 % ( same penalty rate for missed payments ). I have not been late on a payment for many many years. I asked to explain why I'm being charged the penalty rate, and they could not provide an answer. I asked for a reasonable interest rate, and they said that their system does not allow them to lower the rate.
Product: Vehicle loan or lease

Credit denied while obtaining from the dealership but still shows on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Product: Mortgage

On XX/XX/2019, I was approved for a {$380000.00} 15 year fixed rate home loan by Bank of America. The next day I was denied and instructed to call the XXXX XXXX XXXX XXXX at phone number XXXX.XXXX.XXXX.XXXX. The only reason that I was provided for the denial was that it was a " business decision '' to not do business with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the Fair Credit Reporting act XXXX Account # 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. 


- In accordance with the Fair Credit Reporting act XXXX Account # 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. 

- In accordance with the Fair Credit Reporting act XXXX Account # 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. 

- In accordance with the Fair Credit Reporting act XXXX Account # 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. 


- In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Bank account or service

I am currently a customer of Chase. I got a pitch from them to join Chase Private Client. During they pitch they told me that if I joined I would n't be " nickeled and dimed '' for fees like other customers. They also said that if I joined it would separate me from the average sandwich maker who works in a deli. I thought both these statements were ethically ambiguous. Essentially if I choose not to join, I am " choosing '' to be nickel and dimed and also it would make me some sort of low status person like a sandwich maker? Insulting to every Chase customer and an insulting social outlook.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXX/XX/XXXX
Product: Mortgage

We refinanced a loan we had with Ocwen loan servicing and in the payoff statement they included 60 days of interest. Only 39 days of interest were supposed to be charged since they received the payoff funds on XX/XX/2016. 
I have attempted to get a resolution from Ocwen directly, but they do n't let me talk to a supervisor and they say they need more time to investigate. No one seems to understand how the interest on the mortgage loans works. This was n't an FHA loan for them to charge the complete month of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reported wrong on my credit report. It should not be in collections as it was paid to XXXX.
Product: Credit reporting or other personal consumer reports

I woke up to find inaccurate accounts on my credit report, and Im utterly confused about how this happened. Ive always monitored my credit, but these errors seemed to appear out of nowhere. I even tried refreshing my browser, thinking it could be a mistake, but nothing changed. This situation has left me feeling desperate, and I beg you to carefully verify the documents Ive provided so I dont have to live with this fear anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$91.00} Medical XXXX Balance : {$79.00} Medical XXXX Balance : {$61.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED THAT SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN SERVICES AND GOODS AND USING MY IDENTITY. I HAVE NOW DISCOVERED I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). Documents are attached to this complaint
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.