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

I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency.

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAME-XXXX ACCOUNT XXXX XXXX ACCOUNT NAME- XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 mean to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Credit Management Services , Inc has sued me for a medical debt. I was not ever informed of my medical debt being sold to a third party debt collector by the original company or the debt collector.

In addition, the company did not make any phone calls, email attempts, or any mailed attempts to collect said debt. They also failed to inform me I could be sued for this debt. I was completely unaware there was even a debt accrued due to still paying the same medical company on bills that they were sending me, which are now fully paid off.

Furthermore, I had reached out three separate times over email to try and work out a solution with the debt collection agency, to which I have yet to receive a response to.
Product: Debt collection

I received notification from my credit protection agency that a collection was added to my credit history for a personal loan I did not take out. The company was XXXX and the amount was for {$2900.00}. This was initiated in XXXX. Per credit reports, it went to the debt collector DRS in XXXX of this year and almost two weeks ago I got the ping on my credit report for the collection. I sent a letter of dispute on XX/XX/XXXX via certified mail ; it was signed for and received on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This creditor CHASE VISA SIGNATURE CREDIT CARD ( XXXX ) has violated my rights, under 15uic 1681 section 602states that I have a right to privacy.

! 5 uic 1681 section 6048 section 2 is also states that consumer reporting agency can not furnish an account without my willingness and instructions.

Under 15uic 1666B - a creditor may not treat a payment on credit card account under an open a consumer credit plan has late at any purpose.
Product: Vehicle loan or lease

Ford Motor Credit Company ( " FMCC '' ) significantly damaged my credit report by reporting delinquently to XXXX, XXXX, and XXXX without making a reasonable attempt to contact me via telephone or via mail at a current mailing address. It is my understanding that under the Fair Credit Reporting Act and Fair Debt Collection Practices Act that only accurate information may be reflected on the consumer credit report and reasonable means to notify a consumer must be made in collection/delinquent situations. The account in question was a lease that was returned as agreed and I was not made aware of any balance remaining until I a was notified by a mortgage loan officer of a delinquency regarding the account in question. No mail was received via USPS nor by other means notifying me of any balance due. No phone call was received either. Immediately upon being made aware of the balance due, it was paid in full. Letter attached. I am requesting that FMCC immediately remove the account from my credit reports with XXXX, XXXX, and XXXX.
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 Experian 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 a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXXXXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number 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 # ( 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 reporting, credit repair services, or other personal consumer reports

There is a bankruptcy Case # XXXX that is not mine and does not belong to me. I have contacted the US bankruptcy court in XXXX WI. They have confirmed that they do not report bankruptcy filing to public record. I am asking for this to be removed from my credit report as soon as possible to avoid legal actions.
Product: Credit card

I setup the account with Autopay and they linked my bank account and were supposed to take the money on the day the balance was due. Then the day came and the autopay did not work on XXXX  the day the balance was owed. I called on XXXX and they claimed my bank account did not work. I then manually paid the money with my debit card. I made it clear the mistake was on their end and I had successfully linked my bank and for whatever reason their system did not properly set up the payment with my bank. They agreed to waive all fees, interest, etc. Then I see a {$66.00} interest charge for two days of interest? If the XXXX  bucks or so was due on XXXX, and their system did not properly link to my bank why do I owe XXXX bucks of interest. They are thieves and liars. I want this fake interest waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is illegally reporting XXXX XXXX/XXXX Chargeoff Account # XXXX tradeline that is more than seven years old on my credit report. This is negatively impacting my credit score. Both XXXX  and Equifax have long removed this tradeline due to it exceeding the time period it can legally be on my report. I demand that this tradeline be removed immediately. I attempted several times to dispute via Equifax 's online dispute however the dispute page is not properly loading.
Product: Debt collection

CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The XXXX that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my XXXX XXXX XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : PROGRESSIVE ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, XXXX  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: Checking or savings account

I have a check from my work and the bank they used is XXXX. The check is for {$620.00}. I did a mobile deposit on SoFi bank last week and it some how lowered the amount to {$62.00} dollars and they accepted it. Ive contacted SoFi numerous times and they said theres nothing they can do on their end and I have to deal with XXXX bank to do a fed adjustment. I contacted XXXX bank and they confirmed the check cleared for the full amount and that SOfi bank needs to change it on their end
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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, as they did not comply with error resolution requirements XXXX 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: Checking or savings account

My checking account was hacked some how. I called as soon as I saw it was not my transactions. It was with XXXX. I didn't even know what that is. The person was able to get {$250.00} out by the time I stopped it. I had to open a new checking account etc. I've waited almost 2 weeks for Chase to get back to me. I got a letter today saying after their investigations they say the amount was authorized. I DID NOT authorize whom ever this is. I have NO idea how someone could even get in my account. I've called again to complain and they say they will look into it again but acting like nothing will change. I do not have money and this is a huge amount to me. I have bills to pay. They haven't told me how it happened or anything. I need help please.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of a recent accounts on my credit report, as I have never given the creditor ( s ) ; DISCOVER BANK written consent to furnish my information or obtain my identification.
Product: Credit reporting

this item keeps coming back verified and this is not mine I did everything that was asked of me and it still has not been removed.
Product: Checking or savings account

Between XXXX, HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX location currently XXXX XXXX  failed to return interest owed for safe deposit in which payments was being made to by a checking account. The account at HSBC belong to my father whom was deceased for XXXX years before HSBC acknowledged his death. Here, and at all times HSBC benefited solely from my father checking account that paid for a safety deposit box that was entered into by government officials in the XXXX. In XXXX DEA approached HSBC with a search warrant for safety deposit box belonging to XXXX XXXX, they seized the assets in the amount of {$280000.00}. No communication was made to XXXX XXXX XXXX from HSBC to XXXX XXXX XXXX until the Summer of XXXX when XXXX XXXX approached the said branch in persons after numerous failed mail, email and communication portions. It must be noted on XX/XX/XXXX XXXX sent a check to XXXX unclaimed funds for safe deposit box rental without communication. Here HSBC failed to provide correspondence to our Estate regarding any settlement of the said safety deposit box in order to dispute the amount to be refund to XXXX XXXX XXXX XXXX.
Product: Mortgage

Mr. Cooper is neglectful in communicating within certain departments like insurance and escrow. I was told my insurance on a new house would be paid then told it would not. The neglected cause a cancellation insurance and they are charging me additional monies due to the promise made by different personnel. I ask for financial relief because I was paying rent and mortgage and was not given any relief.
Product: Checking or savings account

My name is XXXX XXXX and Ive been dealing with US BANK for 3 months about my money thats sitting in the account and havent been closed yet. Which I contacted them the first time stating to close the account and they replied they closed it XX/XX/2021 which its now XX/XX/XXXX and the money is still in the account. Im tired of the lies with us bank send the money back and close the account. Yall see the name and social doesnt match the name on the account so why not send it back? It shouldnt even have been accepted because the account was suppose to be closed in XXXX but someone claim I told them to keep it open when I never talk to us bank STOP LYING US BANK AND ACTUALLY CLOSED THE ACCOUNT AND SEND THE MONEY BACK THATS MY WIFE CHECK AND WE REALLY NEED IT I DONT WANT TO TAKE THIS FURTHER THAN IT SHOULD BE JUST CLOSED THE ACCOUNT ENDING XXXX and send the funds back! ITS NOT YALLS AND IT AINT MINES EITHER SO SEND IT BACK! I was told it closed on XX/XX/XXXX and I call customer services and find out they still have it pending for closing so Us bank is a liar
Product: Credit card or prepaid card

I closed the above Credit Card accounts with US Bank a few years ago. They have held the balance of my funds in one or more of those closed accounts plus interest to date and have refused to refund my money to me. I am aware of {$3.00} in one account alone in which they mailed me a check then stopped payment on it causing me 5x the amount in bank fees by my new and current bank that the check was deposited into. I believe this was done intentionally and maliciously in retaliation for my filing a complaint against them in the past.

I received a letter dated XX/XX/XXXX from US Bank followed by a check in the amount of 13 cents re : interest and/or fee adjustments on dispute or fraud claims I filed against them with the past 8 yrs. This was only for the account ending in XXXX ( see attached. ) I WAS NEVER PROVIDED ANY INTEREST/FEE ADJUSTMENTS ON MY OTHER US BANK CHECKING ACCOUNT.

THIS IS UNRELATED TO MY CREDIT BALANCE IN ANY AND ALL OF MY CLOSED ACCOUNTS.

XX/XX/XXXX I phoned US Bank Cardmember services. I spoke with the representative who transferred me to her Supervisor XXXX. I had to go over the story twice, asking that they refund me any and all funds I have in any and all of the three closed credit card accounts with them.

He claimed they had issued me a check on XX/XX/XXXX and despite the fact US BANK stopped payment on the check and it was returned to them ( causing me 5x the amount in bank fees! ) whereby I NEVER RECEIVED MY MONEY, he stated US Bank had deposited my money into my other closed credit card account and he refused to refund my money! He also refused to provide me with his Supervisors name and refused to allow me to speak with his Supervisor. I spent 41 minutes on the phone only to be run in circles.

I am a senior citizen. US Bank should be forced to turn over my money to me plus interest and be penalized by their governing agency for THEFT. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card

My credit balance refund from Ally in the amount of {$7600.00} was never sent to me. Instead Ally stated they refunded it to a bank that is not mine. 

I am not receiving responses from Ally 's leadership. 

On XX/XX/year>, I received a hard copy letter from Ally Financial stating " We have received your request for a credit balance refund, and a credit check will be forwarded to you upon verification of the correct dollar amount. '' However, to my surprise and concern when I reached out for the third time on XX/XX/year> to receive an update regarding status of check ( since it had been over 30 days ), the refund was instead issued/ '' refunded to a bank, that is not the bank that I hold an account with nor the bank that initially deposited/sent the money to my Ally credit card account. 

This error has caused me significant inconvenience, and I am now left without access to the funds that were supposed to be returned to me, as well as I am paying interest on this money that I have not received. I was told on XX/XX/year>, by a supervisor that someone would get back to me in XXXX weeks. I shared with the supervisor that it was not acceptable to hear back from someone in XXXX weeks due to the large amount of money missing. I then requested someone call me the next day, XX/XX/year>, which they said they would. I decided to call again today, XX/XX/year>, to ensure that this matter would be addressed immediately, and I spoke with another supervisor and asked to speak with a XXXX. The supervisor said she could only submit a request to her XXXX to call me within XXXX business days. 

I then took it upon myself to email XXXX Financial Officers of Ally. These were people who oversee finances in some form ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

The in turn forwarded my matter to XXXX Customer Relations ( ECR ). A person named XXXX in XXXX emailed me sharing that this matter would be taken care of. XXXX said, We are in receipt of your email correspondence addressed to our executives. XXXX XXXX XXXX represents the offices of our executives. We have engaged the proper teams for investigation, and we will respond in writing as soon as possible with a resolution. We regret any inconvenience this matter may have caused you.

This is unacceptable. Again, the amount of money missing should be addressed and handled urgently. I do not feel anyone has taken my concerns seriously and with urgency. I requested their immediate attention to rectify this issue and ensure that my credit balance is refunded to me directly, as originally promised in their letter mailed to my attention.

I requested in email that the following be addressed, but no update has been provided : 1. Investigate the cause of this error and provide me with a detailed explanation.

2. Arrange for the correct processing of my refund to be issued directly to me without further delay. 
XXXX. Inform me of the measures taken to prevent such errors in the future.
Product: Credit reporting or other personal consumer reports

My goal has been set on completion of college has been placed on hold, and I'm only XXXX  classes away. Due to falling victim to XXXX XXXX XXXX while the pandemic was taking place they falsely reported to my credit on numerous occasions. I called to file complaints both with the company and the credit bureau and for them to provide proof that my account is current, but after proof was provided they still falsely reported to my credit report stating that I owed money while I was in school, even during the forbearance process when all loans was on hold. They impacted my life due to my credit scored dropping tremendously and for instance my credit cards limit were cut in half or more and I have to put my dream of completing college on hold due to there negligence.