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

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. 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. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting 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 XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 An 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Consumer Loan

I returned my leased vehicle. I was informed there would be a balance. I never received any documentation. I find out that the account has been reported as delinquent to the credit bureau. I immediately paid it because I do n't want to have bad credit and asked them to remove this derrogatory information from the credit bureau. They agreed to do so but it has not happened.
Product: Checking or savings account

I bought services through a company called XXXX XXXXXXXX XXXX processed the payment in the amount of {$6000.00} on XXXX XXXX. I paid for services that the company did not provide. They had about a week in order to provide the services that they promised. When they did not, I filed an ACH dispute with my bank, TDBANK about the fraud that was committed. TDBANK denied my complaint for fraud. They said if I did file a dispute within 24 hours there was nothing that they could do. That is unacceptable. First, I wouldnt know within 24 hours if I was going to get the services that were provided or not. Second, under the electronic funds transfer act, I have XXXX to file a complaint and I did so within that time. TDBANK refused to acknowledge my rights as a consumer and this i have lost {$6000.00}. I also contacted XXXX They said they could try to get some of the money back but were unsure if they could recover anything. They said my bank is the one the would usually process this and recover the funds
Product: Checking or savings account

I was driving to work on the highway in my vehicle when I was notified on my phone that my Wells Fargo card made a purchase using my debit card. I immediately called Wells Fargo to close my card to prevent further use. I later discovered that my card had been stolen and was not in my possession. The person who stole my card made transactions at XXXX different locations in XXXX XXXX on XX/XX/year> at XXXX 'XXXX XXXX ( {$21.00} ), XXXX XXXX XXXX ( {$68.00} ), XXXXXXXX XXXX XXXX ( {$21.00} ) and XXXX XXXX XXXX. I have never been to these locations and I did not authorize any person to use my card. My card was stolen and these charges are fraudulent. When informing Wells Fargo of this matter, they informed me that this dispute has been denied without indicating any reason to support their decision. It is no question whether fraud took place on my account because I have been able to show my card was stolen from me and used without my consent. The question that still remains is why Wells Fargo is enabling fraudulent activity to occur with my funds and why Wells Fargo would protect the thief who stole my card. I trusted Wells Fargo to safeguard my funds in the event that fraud takes place with my card or funds, and Wells Fargo has been shockingly evasive when handling my dispute. I am not sure what is going on. I spoke to XXXX XXXX Police who advised me that I was unable to submit a report because my financial institution is required to reimburse me of the funds. The officer explained that since my funds will be reimbursed, there is no need to file a report. However, Wells Fargo has denied my valid claim and will not provide me with any reason to support their decision.
Product: Money transfer, virtual currency, or money service

Roughly one month ago, my account on Coinbase that I have been using for several years at this point was suddenly flagged for review without any reason or explanation. I have had almost no activity on the account since XXXX where I moved some funds around ( and had even more trouble with them that I went through CFPB to handle that time as well ) so I don't understand at all why they would suddenly flag my account. 

Since being flagged for review, absolutely nothing has happened for an entire month but my remaining funds of XXXX have effectively been locked for the entire period ( and also devalued by 20 % ) and continuing, support does nothing and gives no valid response, and repeated attempts at validating the account ( that has passed maximum tier XXXX procedures YEARS ago ) have been met with silence and ignorance. 

Attached copy-paste support response whose links I've all followed and revalidated DESPITE ALREADY BEING A FULLY VERIFIED CUSTOMER FOR YEARS. Nothing has happened since. 

I am unable to interact with any of my money on the platform and nothing is being done. Their support service is basically non-existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

We are trying to make additional principal payments monthly on top to the auto debit payments. We call the customer service center to make the additional payment. When we do this the auto debit get allocated incorrectly. We then have to make at least three additional phone calls to fix this. During this time more interest has accrued on the loan which diminishes our ability to pay the lone off quickly. This is a consolidated loan, which we where told that we can indicate which balance we want to apply the additional principal reduction to. Very frustrating and seems like a scheme to keep us paying on these loans longer. 

Customer service is always very friendly and helpful although they can never fix the issue.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Product: Credit reporting

I called XXXX to have a credit freeze lifted on my account. While all other credit report companies were able to complete this with no issue, XXXX told me it would be a XXXX dollar charge and that they would not do this for me indefinitely. They wanted an " end date '' so that the next time I needed a credit inquiry I would have to pay them an additional {$5.00}. They then without my consent charged me an additional {$39.00} for a credit report package that I never agreed to and did not want or need. When I saw the charge hit my bank statement, I called them and they refused to refund me the {$39.00}, citing that I had agreed to a " verbal contract '' for the charge. When I asked them to read me the " verbal contract '' I agreed to, they refused. They also refused to investigate the recorded phone call I initially had to see if I had in fact agreed to anything at all.
Product: Consumer Loan

I bought a truck from XXXX and financed it through Santander. I paid for the additional GAP Insurance. In XXXX 2012, I was rear ended by another vehicle and my truck was totaled. The other driver was considered at-fault. His insurance and my gap insurance should have covered the entire balance of the truck. I find out a month ago that Santander claimed I had a balance left over and wrote it off as a repo. This is a False Repo that is now preventing me from purchasing a new vehicle. I need this fixed!
Product: Debt collection

A collection was added to my Experian I dont know where this debt came from original creditor is XXXX XXXX XXXX XXXX and I have never dealt with this company it is now with XXXX XXXX XXXXXXXX XXXX Amount XXXX acct # XXXX this debt need get removed off my credit report because this is harming my credit this account has violations no accurate data or proof on where debt came from
Product: Payday loan, title loan, personal loan, or advance loan

Consumer Complaint Date of Incident : XX/XX/year> Time of Incident : XXXX XXXX  Complaint Against : Company Name : MyQuickWallet.com Type of Service : Online Lending Details of the Complaint : On XX/XX/year>, I applied for a loan through MyQuickWallet.com. During the application process, I provided extensive personal and financial information, including my bank routing and checking account numbers, debit card information, full Social Security Number, date of birth, and employment details. I was also required to sign loan documents as part of this process. 

I provided this sensitive information under the assumption that my loan had been approved or would be approved contingent upon submitting these documents. However, the company has not followed through with approving or disbursing the loan as expected. I was not informed that my application was subject to further conditions or possible rejection. 

This lack of transparency and apparent misrepresentation of the loan approval process has caused me to question how my personal and financial information is being handled. I am deeply concerned about potential misuse of my data or failure to safeguard it in compliance with applicable consumer protection and privacy laws. 

Specific Issues : 1. The company collected my sensitive information and had me sign loan documents without providing clarity on the loan approval process.

2. I have not received a clear explanation of the status of my loan or the purpose of collecting my information. 
3. The companys actions feel misleading, and I am concerned about potential violations of privacy laws or consumer protection regulations. 

Desired Resolution : I request the CFPB to investigate the following : 1. Whether MyQuickWallet.com misrepresented the loan approval process. 
2. How the company is using and safeguarding my personal information. 
3. Any violations of consumer protection or data privacy laws. 
I also seek assistance in ensuring that my personal information is not being misused, sold, or shared without my consent. If no resolution is possible, I request guidance on further steps I can take, including legal remedies. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation.
Product: Credit reporting or other personal consumer reports

Why must I suffer as a consumer just because your company chose to ignore and neglect all my concerns about these unverified accounts. Not only is it detrimental on my mental health, but also a violation of my rights as a consumer.
Product: Checking or savings account

I opened a checking account at Key Bank and was promised a {$300.00} deposit if I met all the requirements for the account. I have fulfilled all the necessary conditions for the bonus ; however, it has been almost a year, and I still have not received the promised {$300.00} bonus in my Key Bank account. 

I have contacted the general manager, XXXX XXXX, who confirmed that I met the requirements for the bonus. Despite this, I have yet to see the deposit reflected in my account. It feels as though Key Bank has misled customers like myself to open accounts with false promises.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear NATLCRSYS, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that NATLCRSYS has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for NATLCRSYS to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that NATLCRSYS immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring NATLCRSYS into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that NATLCRSYS will swiftly correct these violations and respect my rights under the law.
Product: Checking or savings account

The complaint is about the Citibank ( Citibank N.A. XXXX # XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ) my account number XXXX. The bank closed my checking and savings account without my knowledge when the balance was {$17000.00}. The check was sent to somebody in the amount of {$15000.00} who apparently have cashed the check. Even the remaining {$2000.00} are not accessable as I was told the account is already closed. 

My address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Social Security : XXXX
Product: Bank account or service

U.S. Bank offers online deposits and initially the service was good and fast. You could submit a deposit using their Deposit Point and within 10 mins get a email notification that a deposit has been received. Then within 10 mins you would receive another email stating the deposit has been approved meaning that the funds are available. Now it takes 24-48 hrs for the approval and every time I call they have some excuse for the delay. How come the other banks can process deposits regularly at now U.S. Bank? I have never had any issues with my deposits and these are all for small amounts under XXXX for expenses from the company I work for. I have been a customer for over 8 years and will be forced to going in to a branch because online deposits is unreliable.
Product: Debt collection

My debt with midland financial had already been removed from my credit report after I had disputed the debt with XXXX. Therefore they can not threaten to sue me as the debt had been discharged due to " The balance and/or past due amount being incorrect ''. This judgement was completed on XX/XX/2020 and was subsequently deleted from my credit history. 
They call me multiple times a day, have called family members of mine, and have threated to sue me if I do not pay, even though I no longer owe money to this company. If they do not stop I will take legal action of my own. They have been sued many times and threaten many other people and it is time this stops now.
Product: Bank account or service

What happened simplified, Subjects : Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, My husband and hisdeceased mother ( the victim of Identity Theft ) according to Federal Trade a commission ). 
XX/XX/XXXX my mother in law passed away from that date up until beginning XX/XX/XXXX mymother in law had been receiving regular Social Security Benefit checks directly deposited into heraccount I believe the last XXXX numbers of her account XXXX. my husband and myself also have bankaccounts in Bank of America XXXX My husband confessed to me that he was fearful of the prospect of the FBIfinding out about it, my husband was indited and convicted of defrauding the government of federalfunds among other charges and was sentenced to 3 years in federal prison and without my permissionhe went ahead and took transferred money out of our marital joint account to cover the loss of thestolen Social Security benefits through her unauthorized ATM card. I believe that total was about XXXXdollars. My husband and I are going through a divorce and that money was part of my equalization ofassets a little over XXXX. 
I had alerted first the Federal Trade Commission, got a reference number got all the requirementsrequested a police report number, the detective called me to say basically it 's a waste of time that Iwould have to know all the ATM 's he withdrew those funds from his mothers account. I would need asubpoena to open my mother in laws accounts even though I had a POA. I tgan than called the office ofinspector general sent in my complaint and was time stamped and signed. I called couple days ago andshe sounded pretty confident in referring me to Consumer Financial Protection Bureau and in hoped totry and recover those funds from my bank account. 
Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an Paypal account and my account closed without any reason. When I call to inquiry why my account was permanently closed, every representative failed to advised me. I have an available balance on my account that I want to retrieve but cant due to this closure unexpectedly.
Product: Money transfer, virtual currency, or money service

I called my bank today in hopes to reverse the XXXX payment I made to someone who claimed to be someone theyre not and claimed they help with students and finances. They sent me fraudulent checks that have now been bounced, but had me as a middle man to send money to others. I sent {$500.00} of my own money to a XXXX XXXX XXXX at XXXX and the phone number of ( XXXX ) XXXX I was first met with a very rude person whom I do not know the name of who said they can do nothing, later a very nice woman told me the same thing, but including that each bounced check will cost me {$12.00} each and I deposited two fraudulent checks. There must be more that can be done.
Product: Money transfer, virtual currency, or money service

Between late XX/XX/XXXX and early XX/XX/XXXX I made XXXX ( XXXX ) payments to a scammer posing as a legitimate booking agency by the name of XXXX XXXX ( XXXX ). One payment was in the amount of {$500.00} for the company to book paid live performances for me which never occurred along with a second payment of {$400.00} for XXXX XXXX XXXX to book a photographer for press photos which never happened as well. 

I attempted to reach out to XXXX XXXX  ( XXXX XXXX ) multiple times in order to receive a refund to which they denied the request. I reached out to CashApp and filed a fraud report to which they stated they will not retrieve the payments. I attempted to file a police report but without an address I am unable to legally serve XXXX of XXXXXXXX XXXX XXXX to take him and the XXXX XXXX to court. 

CashApp ( XXXX XXXX  ) is enabling and assisting in illegal ( fraudulent ) activity.
Product: Checking or savings account

On XX/XX/XXXX called the bank Wells Fargo and asked if I could go into a branch and withdraw a large sum of money in cash. I was told it shouldnt be a problem. When I arrived at the bank and made my request I was asked what the money was for. I said a large cash purchase. I was then told to wait. When I was the only person in the bank the manager told me I would not be able to withdraw the money and that I would not be served at that branch again. She then told a member of staff to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX  NAMES REPORTED
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA
XXXX

FCRA Violation: credit card never late
XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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


FCRA Violation: Collection not mine
XXXX XXXX XXXX XXXX XXXX