23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for the XXXX / Barclays Card by filling out a form on a flight. 
I have had several issues with the account : 1 ) Name was spelled incorrectly on card / account, this took several months to correct 2 ) An Annual fee of {$89.00} was charged on my incorrectly spelled account which had not been activated - I had no means to pay / access this without corrections to my account 3 ) I never received the XXXX award miles that were promised as a part of the promotion 4 ) Incorrect credit report lead to me not being able to be part of our home loan : '- Barclays reported my late payment to the Credit Bureau XXXX They corrected this once I I disputed in light of XXXX XXXX and XXXX XXXX above. 
- I needed a letter from Barclay 's as proof that they had withdrawn the credit complaint. I had to call them XXXX15 times to get the letter. By the time they sent it, it was too late. 
I cancelled my card just this morning, to avoid any future interactions. This has been an absolute nightmare - with a {$100.00} dollar charge leading to me not being able to get on a home loan.
Product: Debt collection

I did not know about this, the creditor is XXXX XXXX XXXX. THE XXXX NUMBER IS XXXX. 
PIN NUMBER XXXX XXXX THATS insurances company thah I never have. The collection name is XXXX Call center XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I dont know why. I routinely review my report, but this time, I noticed unexpected discrepancies. I tried refreshing my browser, thinking it was a temporary issue, but the inaccuracies remained. For this reason, I ask that the documents Ive submitted be thoroughly reviewed so I can finally put this matter to rest.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Winn law group bought a 10 year old judgement from XXXX XXXX. Never informed of anything and had never heard of Winn before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that Winn is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors.I, the consumer, have previuosly notified the consumer reporting agencies ( Equifax, XXXX & XXXX XXXX about the erroneous reporting via the following : certified mail starting on on XX/XX/XXXX and via previous " multiple '' CFPB complaints ... as well as the CFPB complaint filed on today, XX/XX/XXXX. You are electing to continue to violate my consumer rights. 

Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, Experian, and XXXX ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Product: Credit reporting or other personal consumer reports

We certified mailed the following letter to XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Credit Bureau Management XXXX XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX To Whom It May Concern : I'm writing to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXXXXXX XXXX  security breach, we made overpayments to our XXXX account through XX/XX/year> and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX  security breach occurred in XXXX and lasted for weeks. I contacted XXXX and explained our dilemma with the understanding that my telephone call was noted with an extended grace period. I was surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account should be in good standing again with additional monies paid. 

Please amend and provide a good will adjustment to XXXX, XXXX and Equifax for the aforementioned reasons. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX, XXXX, # XXXX, XXXX  XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I raised my concern to another representative and they basically said theyre sorry and thats it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.
Product: Vehicle loan or lease

In 2019, a letter of credit was extended to Capital One Auto Finance in the amount of {$20000.00}. Capital One Auto Finance is withholding {$19000.00} for a total of {$39000.00}. Capital One Auto Finance has misrepresented themselves as " lenders '' in this transaction, when in fact the transaction is an investment. Capital One Auto Finance did not lend any money regarding this transaction. It appears Capital One is engaging in unfair business practices, conspiracy to defraud, conspiracy to defraud investors, and conspiracy to commit bank robbery as Capital One Auto finance has sent letters threatening to accelerate a debt and seize personal property they do not own.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account ad have one of the nation 's highest interest rates, yet failed to notice account holders about the superior rates offered by by 360 Performance Savings account. This deliberate obscurity and lack of transparence violated consumer trust and resulted in significant financial losses for many, breach in the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Credit card

Citicard canceled my credit card on XX/XX/XXXX after a few weeks of issuance. They replied in email and letter that the reason was my association with a XXXX business. However my association was terminated XX/XX/2022 and I never used the card for any XXXX purchase or business. 
I understand they can cancel cards anytime for whatever reason, so I requested to at least be reimbursed the {$590.00} I paid in advance. They declined and said its non-refundable.
Product: Credit card or prepaid card

My Bank of America ( BoA ) Visa card was switched to paperless billing without my consent. They BoA representative claimed it was when I visited their website but they couldn't send me any proof and never sent a letter detailing the changes to my account. When I asked if they had something I signed or if I was sent notice of the changes to our relationship the representative stated it was more like a box you had to un-click. 
I assume it happened a few months ago as the next letter I received from them I was already multiple months late on my payments because I never received a bill. I'm just paying it off and closing the account as it wasn't my primary credit card and I don't want to do business with them again. 

I realize paperless billing saves them money. Do they have incentive programs for their employees to switch people? I have never knowingly agreed to paperless billing in any of my financial relationships.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

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

XXXX XXXX XXXX XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Checking or savings account

Around XX/XX/XXXX, I created a SOFI Account. I used this account to accept money from my XXXX, which id either send to a XXXX  wallet or back into XXXX. I used this cardless account maybe 2 times per week. I noticed my account got suspended, but didn't think much of it so I left the account for a month or so. I come back to try to get my money out ( {$170.00} ), but was unable. I call their support at the provided number, and they tell me its in investigation and to wait for it in the mail. A year later, XX/XX/XXXX, and I've yet to receive any update/money back.
Product: Credit reporting or other personal consumer reports

Subject : Second Complaint Regarding False Account - XXXX  XXXX Bank ( Identity Theft ) - Request for Monetary Relief Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit my second complaint regarding an ongoing issue with a false account opened in my name with XXXX XXXX Bank, which is a result of identity theft. The details of this complaint reference my original case, Complaint # XXXX, and I have also previously submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ). Equifax XXXX And XXXX continue to violate my rights by continuing to report the false information Despite my initial report to you Equifax XXXX, which included the submission of the FTC report and documentation proving my identity theft, the issue remains unresolved. XXXX XXXX XXXX  continues to report the fraudulent account under my name, severely damaging my credit and causing significant financial hardship. This false account is not only a violation of my personal security but has led to tangible, lasting consequences. 

I am deeply disappointed by the lack of progress and the willful neglect displayed in addressing this matter. Every effort I have made to rectify this situation has been met with delays, non-responsiveness, or dismissals. I have been forced to invest an unreasonable amount of time and emotional energy into a problem that should have been resolved swiftly. 

As a result of the continued inaccuracies on my credit report and the associated financial harm, I am now seeking monetary relief for the damages caused. My financial well-being, credit score, and emotional health have all suffered significantly due to this issue, and I believe that it is only fair that I be compensated for these damages. 

I kindly request your immediate intervention to resolve this matter and hold XXXX XXXX XXXX  accountable for its failure to address the fraud, as well as the ongoing harm it has caused. I also request that you expedite the removal of this false account from my credit report. 

Thank you for your attention to this serious matter. I trust that the CFPB will take swift action to ensure that my rights are protected and that I am provided with the relief I am due. 

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

I sent an Identity theft report in the for of an affidavit via the federal governments website ( FTC ) VIA certidied mail. Equifax wrote me a letter in response stating that they would not block the information. Equifax also stated that they needed proof which I gave in the form of an official Identioty theft report for there mismanaged procedures. I am being violated of my rights as a Consumer and for there negligence of non compliance to my written instructions.
Product: Credit card or prepaid card

Hello, and thank you for your help in advance. 
I sent a complaint XX/XX/2020 to you regarding fraudulent activity on my US Bank Reliacard. You replied to my complaint and let me know that US Bank is working on this issue as of XX/XX/2020. I still have not heard from them. ( Complaint ID XXXX ). 

I have a new issue to report. They finally released the {$4400.00} that was on my new card to me on Friday XX/XX/2020. This was Unemployment money that was building up on the card while it was on hold, pending Identity Verification. I was advised by Reliacard to take the money off the card as soon as possible, due to the high level of fraud on these cards. I immediately went to the ATM, withdrew {$500.00}. Then, went to my bank, had the bank employee transfer {$1000.00} to my checking account ( Daily Limit of {$1000.00} per transfer ). This brought the balance down to {$2.00}, XXXX. Plan to do this daily until all the money was transferred. 

On Sunday, I went to the ATM, to try and withdraw additional money. Checked the balance first, and noticed there was {$2000.00} missing, again. I tried to withdraw money, " Amount entered will exceed the daily limit ''. 
I immediately called US BankReliacard. I spoke to a Supervisor, XXXX. They will again send me fraud paperwork. She, for the first time ever, asked me for my email address. The email she had on my account was XXXX or XXXX. She didn't save it, too late to verify exactly. So, the name attached to this fraud is again XXXX XXXX, she lives in XXXX. We also have a phone number and home address, as well as her last 5 or 6 addresses. I am continuing to investigate this on my own. 

Today,, I went to my bank, and they transferred {$900.00} from my card to my personal bank account. There is actually {$1.00} on the card as of right now. 

Additionally, I have never been able to open an online account with US Bank. Apparently, this person I mentioned earlier had an account all along, using my information with her email address. I provided my email address to the Supervisor yesterday. She was stunned, and admitted to me that this is apparently how these 3 fraudulent transactions occurred. The daily limit to withdraw funds by computer is {$2000.00}. 

Thank you again for helping me. I have contacted the police, and will again file a police report. I am waiting for a call back from them. 

This fraudulent transfer of funds was at XXXX XXXX on Saturday, XX/XX/2020. It was done by computer. This information was given to me by the Supervisor at Reliacard. 

Sincerely, XXXX XXXX XXXX Sincerely, So, now she has stolen {$6000.00}. I am on my last week of unemployment, actively looking for work.
Product: Mortgage

I would like to lodge a formal complaint against new American Funding for indiscriminate charges on my ESCROW account for Hazardous Insurance. At the time we opened the loan our HOA provided to them documentation that I do not need HOI from them. Over the years they ignored my request to stop charging me.

I am reaching out to you for a total collection of all my yearly payments toward HOI. I would like my collection to be applied to my principle.

I have resubmitted ESCROW Account Waiver form : Our HOA insurance company is XXXX, I have been charged {$1000.00} yearly. 

Sincerly XXXX XXXX, XXXX, XXXX ( XXXX  )