23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to start by first saying thank you! This is not the first time I have gone to your service to report a complaint and the help was of great service to me. We had a problem where Bank of America closed my bank account as well as all debit and credit cards and held us locked to open any other accounts for 7 years, until we submitted a complaint and your service forced Bank of America to apologize, unlock our account, as well as fix our XXXX status so that we could open accounts again at any other bank. Rightly so, we left Bank of America and I was able to open a bank account as well as a business account at XXXXXXXX XXXX. However I still can not open a credit card with the bank or any others due to the first issue I had. Because Bank of America created the initial issue for me, blocking my account and thus not allowing me to pay off my credit cards as well as remaining/added debts, my credit score rapidly dropped during this period. Before this issue, on XX/XX/XXXX, we were able to open a credit card at Bank of America with no issues. When our account got blocked due to their error, on XX/XX/XXXX they closed my credit card with no explanation. We always paid off our cards on time with a perfect credit report history, up until the point of the banks severe error. My credit score dropped from XXXX to XXXX, and my wifes, XXXX XXXX, dropped from XXXX to XXXX. Once we opened our bank and business account at XXXX, I of course applied for a credit card as i am a business owner with a business account, both things going hand in hand. I got approved and had a credit card through them in XXXX of XXXX, and a month later the bank closed our card without any explanation. We contacted XXXX and they mistakenly opened a credit card for me, and to contact Bank of America as they created the initial problem for us. We did all possible attempts to contact Bank of America and to no avail with no answer coming back from them to date. Our credit since initially dropping has slowly gone up as we are responsible and 100 % on our payments for everything, however on XX/XX/XXXX we tried to open a credit card through XXXX once again, and were denied due to the bank previously accidentally giving us a credit card and then closing it on us. I am a business owner and for my career and company development i require having a credit card. Any reason that i can not be approved for one, is absolutely 0 % my fault and it is unacceptable that a banks error is pausing my career growth.
Product: Credit reporting

I have put numerous disputes with Equifax at no avail. I have emails with the creditor stating that the account is closed and paided in full since XXXX of 2014 and Equifax refuses to do anything.
Product: Debt collection

I just today XXXX XX/XX/2020 XXXX received a physical letter saying they are collecting the debt of {$150.00}. They have today alone called my daughter, my brother in law, my sister, my father, my husband all before calling me at all. I will attach the message from my brother in law. As soon as I received a message ( they use a " unknown/spam '' number ) I called them. By then my phone was already ringing while on the call from them yet again, granted yet another number so I did not know until I got that message. After making an arrangement I called back and the woman was very rude and abusive.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

Describe What Happened XXXX XXXX XXXX has engaged in multiple harmful practices that have significantly impacted my credit and financial well-being : 1. False Reporting to Credit Bureaus : - They have falsely reported late payments to the three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
- These false entries began appearing on my credit report around XX/XX/XXXX and continue to negatively affect my credit score. 
- I have not received any explanation or proof from XXXX XXXX XXXX to justify these reports. 

2. Predatory Lending Practices : - XXXX XXXX XXXX used unclear and deceptive lending terms, which I now believe qualify as predatory practices. 
- They did not provide clear disclosure forms or proper documentation at the time the account was opened or during its servicing. 

XXXX. Actions I Took : - I contacted XXXX XXXX XXXX several times between XX/XX/XXXX until XX/XX/XXXX to dispute the late payment entries and requested supporting documentation, but they failed to respond adequately. 
- I reviewed my records and confirmed that the information they reported does not match my payment history. 

XXXX. Actions by the Company : - Despite multiple attempts to address these concerns, XXXX XXXX XXXX has not provided any disclosures or evidence to justify their reporting. 
- They continue to share incorrect information with the credit bureaus, causing ongoing damage to my credit profile. 

Specific Request : Cease All Contact : I request that XXXX XXXX XXXX stop all direct communication with me. 
- Correct Credit Reporting : The company should amend my credit report to remove all inaccurate late payment entries. 
-Delete the Account : I am requesting a full deletion of this account from my credit reports with XXXX XXXX XXXX XXXX and TransUnion XXXX 
-Provide Disclosures : XXXX XXXX XXXX XXXX provide all disclosures and documentation that validate their credit reporting actions, as required by law. 

Impact : These false reports have harmed my credit score, affecting my ability to obtain credit or loans under reasonable terms. Additionally, the lack of disclosure and transparency has caused me undue stress and frustration.
Product: Money transfer, virtual currency, or money service

I am filing my complaint against cash app ( Block , Inc. ) due to inadequate customer service 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 under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek the appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

This issue relates to XXXX transactions. My originating account is with XXXX XXXX, and I make transfers to my Texas XXXX XXXX XXXX account and a Wells Fargo account. In the last month or so, along with legitimate XXXX transactions, unauthorized transfers have been made. I have met in person with XXXX XXXX, Texas XXXX XXXX XXXX, and Wells Fargo regarding these unauthorized transactions, and have identified a pattern. 

INCIDENT # 1 - XX/XX/2023 Received the following e-mail from Wells Fargo. You received money with XXXX. [ My name ] sent you money. Here are the details. 
Date XX/XX/2023. XXXX {$40.00}. Confirmation code XXXX. This money has been deposited in your Wells Fargo account. For more information, please call Wells Fargo Online Customer Service at XXXX, XXXX hours a day, 24 hours a day, 7 days a week. 
XXXX XXXX includes multiple phone calls to XXXX & Wells Fargo, followed by meeting in person.XXXX  had no record of this transaction. Also met with XXXX XXXX XXXX to rule out a misdirected XXXX transaction, but no record. Met with Wells Fargo. Their banking system identified this as an actual deposit. I was advised that there is a scam regarding false deposits often followed by a text message from someone claiming it was accidentally deposited to my account and requesting return of the money. I did not receive such a text and would not respond if received. I submitted a complaint to the FTC on XX/XX/2023. 

INCIDENT # XXXX - XX/XX/XXXX. 2023 Received a message from Wells Fargo referencing another fraudulent deposit with confirmation code XXXX, this time for {$35.00} ACTION TAKEN - No record of such transaction from my XXXX records at XXXX XXXX. 

XXXX XXXX  says there is nothing they can do, as they have no record of these transactions. Wells Fargos system seems to have a flaw allowing it to accept these deposits, so they see it as legitimate, and XXXX says they cant do anything because they dont have access to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit reporting keeps taking points away Im not actually doing anything My credit is better than its ever been I own land, I have a house, I have paid my student debt on time years, I have 5 credit cards I always pay to XXXX And they keep taking away points anytime I use one of my credit cards, they never give any new points back when I pay the cards in advance and in full They are making me look bad for no reason at this point Also dont have a new closed credit card they mailed it to the wrong address and reissued my card so I dont appreciate them making it look like it was negatively closed My score was this low before I had my life together and while I had way more negative stuff, so it should have been going up as I improved my life over the years and it doesnt I want to sue them for character defamation Im so upset
Product: Credit reporting, credit repair services, or other personal consumer reports

I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are Omni Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed item regards to XXXX XXXX XXXX, previously, in regards to alleged date of first delinquency. XXXX mailed letter, dated XX/XX/XXXX, stating this. According to Innovis credit report, dated XX/XX/XXXX, the item is reporting delinquency as early as XX/XX/XXXX, which contradicts XXXX 's statement. This is a blatant violation of FCRA guidelines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account XXXX XXXX/ XXXX XXXX XXXX XXXX ( DELETE ASAP ) XXXX XXXX  XXXX XXXX XXXX DELETE ASAP ) XXXX XXXX XXXX XXXX XXXX ( DELETE ASAP ) As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

XX/XX/year> I was supposed to receive my direct deposit from my job. I still havent got paired yet. WHERE IS MY MONEY?!?!
Product: Debt collection

TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX
Product: Student loan

The company sent me docs for another person with different ssn and all of someone else 's information
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the inquiry ( A ). It is not permissible to fail to validate the reporting inquiry as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  Date of inquiry : XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquires onmy credit report and I didnt authorize some of them, try to get it remove from Transunion credit report but they give me a very hard time, I been trying to get this issue resolved for almost 6 months
Product: Debt collection

I do not know who this company is nor is this debt mine. I have received no notice of this debt either. I was only made aware of this erroneous collection attempt by a notice from XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Kraken wires that first took place on the XXXX of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing Kraken 's services in the total amount of XXXX GBP!, I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Kraken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I requested a free quote from Rise for a personal loan. I provided my information. I was notified by XXXX that Rise had requested my credit report without my knowledge. I called into Rise Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from Rise calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. Rise has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. Rise has failed to correct this error. This is a violation under the Fair Credit Reporting Act.
Product: Credit card

The credit cards are not processing the charges in a timely manner. It is impossible in a volatile currency situation to obtain the exchange rate on the day the item purchased is actually charged. Credit card companies may be holding charges to obtain the best possible currency exchange rate especially in volatile markets. The rates charged should be on the date the item is purchased and not the day the item is processed to avoid currency game playing. 

All credit card companies should be required to post the exchange rates they are using so consumers can determine which card to use. Currency conversions should be transparent. Credit card companies are claiming they are not assessing foreign transaction fees but they may be building in the fee into the exchange rate. Transparency will provide a clear indication of what rate is being used so consumers can determine which card to use. 

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

On XX/XX/2022, I completed a CFPB complaint on XXXX, TransUnion, XXXX XXXX, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.
Product: Debt collection

I had attempted to make a payment online, realized I paid the wrong amount, so I called they said they couldn't get online to cancel it I had to go through my bank. Went through my bank to cancel it. They said they would call me back the next day. No one called. 2 days later they send an email. So I immediately call. He said my manager listened on our call and was able to stop the payment then proceded to tell me how much they took out. I said you never called me back to get my consent on that amount and I didn't have that amount. I asked to speak to a manager who yelled at me and told me since I put my information online that they can take out whatever they want. I said that has to be illegal. He said no, he screamed at me said I'm not a customer and im not gon na tell him what to do. I asked if I can hear the recording. He said he would email it and never did.