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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX  Account number - XXXX _________________________________________________________ INQUIRIES XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Miscellaneous Finance XX/XX/year> 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit card or prepaid card

Reached settlement with company to forego all outstanding debts on my credit card account after paying {$7000.00} in three instalments. Letter enclosed.

Company received payment, and after a month or so turned the account for collection of about {$5000.00} to a collection agency who started calling ( number provided by the company without permission ) me for the debt.

Agency was informed debt has been settled with the company per settlement letter.

However it reported to credit agency as charge off. As a result my credit score dropped by about 30 points.

Company has been evasive and thanked me for trying to pay the debt, which I have not done at all ( it has been settled already ). My credit score has not recovered because agency/company has not removed the charge off amount, it remains a black spot on my credit report. 
Proof of payment, my letter and part of credit report is attached.
Product: Mortgage

Deutsche Bank has charged me {$4700.00} in my mortgage escrow for lender-placed insurance when I in fact had insurance during that period through my local agent. As you know, it is illegal for someone to be charged twice for insurance for the same house. I have complained to Deutsche Bank for more than a year about this, but they refuse to do anything to refund the escrow overpayment. Enclosed are documents, one from Deutsche Bank and  one  from my local  XXXX   XXXX  agent, that tell the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit report, I have discovered multiple hard inquiries that were made without my consent or knowledge. These inquiries are negatively impacting my credit score and I kindly request that they be removed immediately. I have not applied for credit or authorized any inquiries from the aforementioned creditors on the specified dates. These unauthorized hard inquiries are not only inaccurate but also have the potential to harm my creditworthiness and financial reputation.
Product: Debt collection

My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it.
Product: Credit card or prepaid card

Received an unsolicited, " pre-approved '', " prescreened '' offer in the mail for a credit card from   XXXX   financed by Comenity Bank. The only option for opting out to stop receiving these unsolicited " offers '' was to call their automated hotline,  XXXX . When you call, the automated system asks for your social security number, address, date of birth, phone number, and other personally identifiable informationthere is no path forward to stop receiving or opt out of their communications without providing all of your personal information. Your options are to keep receiving their unwanted solicitations and communications, or risk providing all of your personal information to a system with no proof or claim of security.
Product: Credit card

Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution.
Product: Checking or savings account

Haven't been able to login to my new CitiBank account for 2 months. XXXX XXXX notice XX/XX/XXXX that my account was frozen due to fraud and to call a number. Called the number XX/XX/XXXX and was instructed to verify a few things, including my phone number. They said my phone number was unverified and I was not able to verify my identity as a result, however they'd be in touch within 48 hours to get it fixed. Never heard back. Still unable to log into account, and my credit card bill is due, which CitiBank keeps emailing me about. Called CitiBank on XX/XX/XXXX to try and verify again, but the rep ended up hanging up on me when she realized she couldn't help me access my account due to my phone number not being verified. 

At this point I just want to pay my credit card bill and close my account, and it's impossible. The rep told me I'd just have to call back and try again, but that I'd get the same results. I'm concerned my credit will be affected. 

To top it all off, the reps were so incredibly rude and unhelpful and callous towards people whose money is unaccessible in CitiBank for no reason. They are clearly based in XXXX XXXX and have a clear script they must follow. They have no problem hanging up on you. I have no faith this will get fixed in any way but 3rd party intervention.
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 15 U.S.C 1681c. ( 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 more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX was the first communication from XXXX XXXX  Credit Collection Services received letter and spoke to XXXX XXXX. She informed the balance was owed from XX/XX/XXXX. I requested the original statement because I was never informed of an owed balance from XXXX. Received the correspondence on XX/XX/XXXX and spoke to XXXX on XX/XX/XXXX which was escalated. Received call back on XX/XX/XXXX from XXXX. They gave me 24 to 48 hrs max to settle amount owed or would be reported to my credit. XXXX tried sending statement in XXXX there were no calls, emails, or other communication until the first collection letter on XXXX. I feel these are deceptive practices without adequate time to receive clarification, review/dispute charges, provide explanation, and allow the consumer a reasonable time to remit without penalties, further collection efforts and negative impact on consumer credit profiles. This is exactly the kind of behavior FCRA, FACTA, FDCPA, and CFPB were created to regulate and protect consumers. If this is not an isolated incident there should review, sanctions, and penalties against XXXX and their internal collection CCS.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding identity theft. Despite my submission of an Identity Theft Report and all required supporting documentation, these agencies have failed to act within the mandated timeframes and have instead sent stall letters, violating my consumer rights.

Details of the Complaint On [ specific date ], I submitted an Identity Theft Report in compliance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that fraudulent accounts be blocked and removed from credit reports within four business days. 
Despite fulfilling all requirements, these agencies have failed to take the necessary action and continue to send stall letters instead of addressing the fraudulent accounts.

Violations Non-Compliance with FCRA Section 605B : Agencies have failed to block and remove fraudulent accounts within four business days as required by law.

Sending Stall Letters : Instead of taking corrective action, they have delayed the process with unnecessary and repetitive correspondence, which constitutes bad faith and a violation of my rights under federal law. 
Supporting Evidence Identity Theft Report. 
Copies of correspondence with credit agencies. 
Stall letters received instead of proper action.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue concerning unauthorized hard inquiries that persist on my credit report. Despite my initial dispute via mail, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of these unwarranted inquiries from my credit profile. 
-- -- -XXXX  XXXX -- - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- XXXX - XXXX  - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

I recently observed all three credit reports with my name, my address, and job inaccurately being reported. XXXX, XXXX, and EXPERIAN received copied proof for my reports to be corrected by now. I sent copies of my Driver License, my Voter Registration Card, Social Security Card, and my XX/XX/year> Final Divorce Dissolution signed by Senior Judge XXXX XXXX XXXX. To this date nothing has been corrected and errors continue to be reported even though every agency has been made aware of the incorrect reporting errors.
Product: Credit card or prepaid card

In XX/XX/XXXX after having my card since XX/XX/XXXX and always making my payments Discover decreased my credit limit without reason by {$500.00}.
Product: Credit card or prepaid card

About a year ago, my credit card was maxed out and I proactively reached out to Discover and enrolled in a payment plan. I have since always paid at least the minimum payment due each month without fail. Unbeknownst to me, when I signed up for the plan, Discover 'suspended " my card and disallowed my available credit to change. 

During this 'suspension ' period, I lowered the total balance due from $ XXXX to ~ {$1300.00}. Also unbeknownst to me, Discover has been 'monitoring ' my credit reports and just a few days ago 'made the decision to close ' my account without any warning or deadline to pay the full balance. 

During the beginning of the pandemic, my income decreased significantly, but in the past few months my income has stabized and increased higher than it has ever been. I have reported the increase in pay to Discover and was planning to start making higher monthly payments. 

When I received notice from Discover of their plans to close my account, I immediately called the customer service department and inquired about the reason for the closure. The woman advised me that the decision has already been made and the card is already closed. There is nothing I can do. 

This is the shadiest practice I have ever been dealt from a credit card company. During a time when I reached out for help, they took advantage of me and closed my account without even a warning.
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 USC 1681.15 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 15 U.S.C 1681c. ( 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 more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Account XXXX Account XXXX Account XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX Account XXXX Kickoff Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX XXXX NameXXXX XXXX XXXX Account XXXX Account XXXX XXXX Account XXXX Account NameXXXX XXXX  Account XXXX Account XXXX XXXX XXXX Account XXXX Account NameXXXX XXXX XXXX  Account XXXX Account NameXXXX XXXX  Account XXXX XXXX BANK Account Number re XXXX XXXXXXXX XXXX XXXX. Account/Serial # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please cease and desist all inaccurate reported information on closed account with external finance there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2
Product: Credit card or prepaid card

I received two credit cards that I did not apply for. XXXX 's and XXXX. I called both companies and they closed both of them I just need to report this fraud cause I don't know what information was compromise
Product: Checking or savings account

When I have my account with Wells Fargo there was loans taken out on my account that I didn't authorize on Wells Fargo was like they can do anything so I had an outset and balance and I close my account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an inadequate customer service and unfair practices, which violates 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, they 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allowed someone to open a account in my name. I was informed by the XXXX XXXX the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the early warning service which handle account reported by banks. XXXX only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no XXXX XXXX  in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  XXXX XXXX at Navy Federal Credit Union , I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from Navy Federal Credit Union . Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

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

EOS CCA is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.