23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and the following accounts are in violation of The Fair Credit Reporting act. I am asking that these inaccuracies be deleted from my reports and updated Immediately. These accounts are not properly validated, and the information is incorrect. Please delete these accounts, I ask when they are deleted that an updated copy of my credit report be mailed to me thank you. 

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 XXXXXXXX
Product: Credit card or prepaid card

XXXX 2021 Chime Credit Card company reported a XXXX dollar balance I paid which they reported it to the credit builder and affected my credit. The time frame to pay it arrived and I already paid the amount. I made a report about it. 


This month they failed to notify consumers they were closing out statements on XX/XX/2021 instead of the XXXX which is the end of the month. They changed their due date and decreased the amount of time people have to pay their off balances. It is understood that they can change their due dates but proper notification should be required consumers can make informed decisions about their spending habits. I have other credit cards their due dates change but they notify in advanced not change it and give approximately 1 day to pay. That is a unfair practice and it needs to be resolved.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: 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 proce 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 caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts has violated my rights. 

( 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 XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested that the inquiries on my accounts be verified. I still have not received any information on these inquiries. nor has the company reponed with verification on the cfpb complaint. These are the complaint numbers that have not been responded to XXXX XXXX XXXX Those complaint were sent on XX/XX/2023
Product: Checking or savings account

I had initiated a transfer from my XXXX XXXX account utilizing the Wells Fargo linked account transfer option after delays I called and they told me they would cancel and send the money back to XXXX its now been over a week and Wells Fargo is holding my funds and I cant pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have paypal mastercard also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX. XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.
Product: Credit card or prepaid card

In the XXXX XXXXXXXX XXXX XXXXXXXX, I reached out to Fidelity by phone regarding an erroneous foreign transaction fee on their Fidelity Rewards Visa Signature Credit Card. The customer service representative assured me that he would alert his superiors about the inconsistency between Elan Financial Services website and their actual procedures. Yet, the website has not been updated since. Elans site, under the Credit Card Terms Disclosure, claims that there is no foreign transaction fee. However, they impose a 1 % fee on all overseas transactions. By law, Elan should provide and adhere to a fee schedule for their credit card users, but they fail to do so, which appears to breach federal regulations. 

Link to credit card website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Disclosure of Credit Cars Terms website can be opened from Fidelitys website by clicking on the No annual fee hyperlink, located directly above Apply now.
Product: Credit reporting or other personal consumer reports

Im a consumer who has been directly impacted by actions identified in CFPB consent order of XXXX  against XXXX XXXX. 

Ive long disputed this debt and as its clear that XXXX violated the XXXX and XXXX, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. XXXX has continued to report the same debt as XXXX different derogatory trade lines with XXXX. 

I received no compensation after the finalization of CFpB consent order.
Product: Checking or savings account

In the morning of XX/XX/year>, I get a call from the banker that help open my new chase account which is about a week old. He called to ask if I submitted a request to close the checking account to which I answered no. He then proceeded to ask me to come into a branch office where I opened the account to try and fix the issue. When I get there he calls the fraud department to see what was wrong ( he said he tried doing this without me present but the fraud department requested I be in the branch office if I want this issue processed ). After the call, the banker ( I believe his name is XXXX from the XXXX chase bank branch near XXXX Washington ) said that he put in the notice with the fraud department that I did not authorize my accounts closure. He also mentioned that since I got my social security recently, this XXXX have and I reiterate MAY HAVE caused the issue but he wasnt too sure. He also said that in about 24-48 hours I should be able to use my account. I did also mention to the banker that my direct deposit from work comes in near midnight of the seventh of XXXX and he told me not to worry and that it should be fixed by then. Today is the seventh of XXXX and my checking account is still pending closure. I called back the banker and he said hes not sure why it hasnt been fixed yet and told me to contact customer support if I want more information. Later that day, I proceeded to customer support to an agent who couldnt understand the situation I was in. I escalated the call to get a supervisor and he said that even he doesnt know why my account was closing and that he will put a notice so that tomorrow, someone will call me to see if they can fix the issue. My direct deposit comes in tonight and I have bills to pay which Im being denied to do even after being my checking account should work today.
Product: Credit reporting or other personal consumer reports

About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with Bank of America that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and Bank of America directly but they have not responded to my request to remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries 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 These Inquiries were run on my credit report without my consent or involvement. My personal information has been compromised, I am requesting assistance with this complaint to rectify this issue that is threatening the security of my livelihood. Please Remove. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I had numerous inaccurate names and addresses on my report. I sent certified letter to collection company XXXX. I never received my documents requested. This is a direct violation of the Fair Debt Credit Reporting agency 15 usc 1692g section 809 ( b ). I want this collection deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just received results of my verification I requested from Experian. They state that the result of my dispute ( different from a verification request ) was an update to the status of the account : XXXX XXXX # XXXX. Their statement : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
They indicate that Status was update on the accompanying documents. Upon review there is no difference from the before dispute and after dispute results which is different from the claim from Experian that the item was updated.
Product: Credit reporting or other personal consumer reports

I contacted the following reporting agencies which are experian, XXXX, & XXXX and made it clear that these items 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 are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I trade the car in at the dealership I got it from and got another car we call XXXX  and got the paid off amount from them and the dealership made out a check for the amount they said was old 2 weeks later I get something in the mail saying I still old them so I take it to dealership and they made a check out for the amount they say I old
Product: Credit card or prepaid card

My SS XXXX is deposited in my government issued XXXX acct on the XXXX of each month. I went to the ATM on the XXXX of XXXX to withdraw my rent & discovered a charge of {$120.00} that I never made had made me short to pay my rent! I called US Direct Express to report the unauthorized charge & in the time it took to get them on the phone another charge of {$120.00} was also charged to my card. The bank told be the merchant who charged then was " XXXX XXXX XXXX XXXX  '' at XXXX. I called the number and it was not a company & there is no such business listed anywhere on the internet! The bank told me I had to wait 3-4 days until the theft was complete & the thieves had been paid my money to file a dispute on the charges. This is so wrong! The bank is trusted with my government benefits & this is the only income I have since my XXXX diagnosis last summer & {$250.00} really truly hurts me & my family. It has made it so I am unable to pay my rent! XXXX & homeless because my benefits are being stolen & the bank is allowing it to happen. This banks consumer dispute process is non existent & doubt they approve any at all as they just claim they never received any paperwork back from the consumer & close the file. This needs to change! If a consumer notifies the bank of a blatant fraudulent charge/outright theft occurring & the bank processes the charges anyway then they should be held liable.
Product: Debt collection

Today XX/XX/XXXX I was contacted by XXXX XXXX from a XXXX and asked me my name I told them and they asked me my last four of my social I gave it to them he then got nasty with me and didnt tell me how much the debt was when I asked and told me I have to pay a loan back that I never took out I told him I never took out a payday loan Im on XXXX and he said from check n go in XXXX and that I used a XXXX XXXX  account to do so I said I closed those accounts in XXXX so it wasnt me that took out the loan. He then said ok we are sending out a supeona for court to have you arrested for non payment. I said ok he hung up. I called XXXX XXXX and I had closed my accounts with XXXX on XX/XX/XXXX XXXX  and XX/XX/XXXX he never stated when the check and go loan was taken and I never signed or took out such a loan in my name. I looked onlineat check n go and it said I had a loan for XXXX through check in go on XXXX but I closed my bank accounts through XXXX XXXX onXX/XX/XXXX so Im also confused how there is a loan in my name. Other than a x husband who I have a cpo in place for telecommunications harrassements and severe XXXX he even posed as me and used my child support card number for online purschases while out of out home without permission I have no clue how the loan was taken out or who took out a loan from their company. Please help Im scared.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX regarding a account I noticed on my XXXX report that's not mine. I submitted a dispute of this account. The account details show that I was added to this account as a authorized user. I have also called CITICARDFS CBNA at XXXX. They told me they couldn't assist me without the information for the primary account holder. I told them I don't have any information on the account from who the primary person is or their information or full account number. They told me that they could not assist me without this information. I told them this is not my account and I should not be on someone else 's account. They said agai they couldn't assist me.
Product: Credit card or prepaid card

Today, XXXX XXXX, I was notified that I had received a statement credit equivalent to all my rewards points. Capital One had converted all of my rewards of over 96,000 MILEs to a statement credit at 0.5X the number of miles. 

They had closed my card WITHOUT WARNING and done this. I understand it is their prerogative to close the account. However, they had advised me that they would be closing my bank account. I called the credit card company on XXXX XXXX XXXXXXXX and they said that no such action was pending on my credit card. 

I also asked for a PRO-RATED refund of my annual fee which was XXXX. Capital One said that I had exceeded the window for obtaining a refund. A window that of course applied to when the customer closed the account. NOT THE ISSUING BANK. 

I reached a representative over the phone and she had told me that all these actions were covered by the terms of my credit card agreement. The ONLY thing contained in the credit card agreement was the bank prerogative to close the account. Nothing else was stipulated about the rewards or the annual fee refund. 

I also have a travel credit of XXXX  as part of a price protection agreement that Capital One is not crediting to me. I was advised I would have to be a Capital One cardholder to use this, but since I was not the one that terminated the account, I should be entitled to this. Had I booked the flights with XXXX, I would have received the cash straighaway. 

When pressed, the representative continued to insist that these were all contained in my terms, which she was clearly unfamiliar with as she could not specify where in the terms those specific points were covered.
Product: Student loan

I paid off a private student loan on which I was the cosigner with Navient on XX/XX/XXXX. I asked for a letter that day stating I had paid it off. They said I had to wait 30 days. I did. Neither I nor the cosigner ever got the letter. The only information on their online site shows a loan called " XXXX XXXX XXXX XXXX XXXX  '' has a XXXX balance but this page does not show a date or full account number. I have called four times requesting a letter or email with this information but they refuse to send it. They say they will mail one but they never do. This company is the lowest form of predator on earth and have made the last decade XXXX XXXX XXXXXXXX. I want written proof that I am finally free of them. Without that, I know they will resurface some day and say I still owe them money. Please help me.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX  XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}
Product: Mortgage

I do not want my house to be foreclosed, I want to keep my house, I live here. I called Freedom Mortgage with the assistance of a representative from XXXX XXXX XXXX XXXX and asked for a Forebearance application, Freedom Mortgage sent the wrong application with the wrong details filled out. Then on XX/XX/2024 we called Freedom Mortgage again and the Freedom Mortgage agreed to a forbearance over a recorded phone call and they stated that it would take them 7 days to review my case and a additional 30 days for the proper paperwork would be mailed to me. I am scared to lose my home or go into foreclosure this quickly as i only missed 2 months payments, as it seems that Freedom Mortgage is sending the wrong paperwork on purpose to buy themselves time for my home to go into foreclosure. I only owe 2 months of rent ( XXXX & XX/XX/2024 ). Additionally Freedom Mortgage is sending process servers to my house and priority mailing me warning notices and scaring me about foreclosure and charging me large late fees. I appreciate your help in this matter, XXXX bless you