23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a XXXX XXXX account with Optum Bank ( FDIC # XXXX ) with a balance over {$6000.00}. They sent debit/credit cards for myself and my wife. The card indicated to to activate and set a PIN, call... XXXX XXXX XXXX XXXX That number is for an automated recording with no ability to take to a person. The first time We both called, after following the directions we received the recording that the card service can not process your request, please contact customer or member services. 

We called that number, which appears to be a foreign call center. They said they could only activate the credit card, but could not provide a PIN to activate the debit card, and said only the automated number can issue the PIN, so call again. We made many attempts but could not get a PIN. 

We called the customer service again who issued XXXX new cards. Again the automated number refused to activate and provide a PIN, and referred us again to the foreign call center. Again they activated the credit card, but not the debit card. They said only the automated number can do that. We made a number attempts to activate the debit card and each time were informed call customer service, who said they have only the ability to activate the credit card, but not the debit card. 

When informed that our primary use would be at XXXX, which does not accept this credit card, the said we could seek reimbursement. 

It appears that Optum bank makes it impossible to access my own funds via a debit card, but wants to keep the float, requiring that I pay up front and seek reimbursement, by refusing to give customer service the ability to activate the debit card. The banks web site does not provide a telephone number for its main office location in XXXX, XXXX
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 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im XXXX  I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of XXXX XXXX XXXX opened on XX/XX/XXXX  that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Experian a Certified Mail article tracked by the United States Postal Service ( USPS ) tracking system a letter RE : UNAUTHORIZED INQUIRY from XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. I reviewed a copy of my credit report XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX. XXXX XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX made an unauthorized credit inquiry on me on XX/XX/XXXX. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I asked Experian to Please contact I reviewed a copy of my credit report XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and investigate such an occurrence. Today XX/XX/XXXX, Experian sent an email asking me to call an 800 number about my credit dispute. I called and was informed by Experian rep, that they do not dispute unauthorized credit inquiries. I was told I had to contact the creditors on my own and asked them to remove the unauthorized credit inquiry from my credit report. Im sure this is an FCRA violation, FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. I understand that you handle consumer reporting complaints about report accuracy and completeness errors, and other consumer reporting topics, such as, if you are dissatisfied with a companys investigation of an earlier dispute if you believe your consumer report was used improperly.
Product: Money transfer, virtual currency, or money service

I opened a Robinhood account. I sent money for my bank account in the amount of XXXX to put into the Robinhood account. I purchased cryptocurrency I contacted Support to ask why the verification did not go through as I presented my passport and three pictures of myself. I was met with it will take one to three days, after which I was told that they could not do it. So I sold the cryptocurrency and tried to move the money back to my account. They would not allow me to do that. They used verification process as a reason for the delay of my funds to be put back in my bank. Its been about four or five days theres been Two or three open enclosed cases with a continuously just closed the case and I have to open a new one and thats the cycle starts over. They have been sent the credentials over the phone on the app and via email and still refuse to allow me to withdraw my funds back to my bank account.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have first and second mortgages with a credit union taken out in XXXX and XXXX respectively. 
I filed a Chapter XXXX bankruptcy in XXXX that was converted to a Chapter XXXX in XXXX. I also had a car loan and 2 installment loans with the same company. Upon converting to Chapter XXXX, I reaffirmed the car loan and the installment loans. These loans have subsequently been paid in full. Payment history was given to the credit bureaus each month. 
Virginia bankruptcy law does not allow the reaffirmation of mortgage loans, therefore, I was unable to reaffirm those loans. I have paid these loans on time every month, before and after filing the Chapter XXXX. My payment history for the mortgage loans is not being reported to the three credit bureaus. 
I was told that they choose not to report because I am not " truly obligated '' to pay because the loans were discharged. I can continue to make the payments and when the loans are paid in full the deed will be released. 
I get mortgage statements every month, pay the bill via bank transfer, my homeowners insurance and taxes are paid from an escrow account, and I receive documentation for tax purposes at the end of the year. Everything is handled by this credit union except the bureau reports! This is arbitrary and capricious and disparate treatment. I pay my bill on time like other customers who have not found it necessary to file for bankruptcy protection. Why are my payments not reported? 
I was told that I could always refinance with another institution. I currently have a 4 % first mortgage. 
Not having my current mortgage payments reported, has had a detrimental impact on my credit score.  Therefore, refinancing will cost me thousands of dollars and add years to the loan. This is not fair! Why does a non-reaffirmation of a mortgage prevent the reporting of my true and actual payments to the credit bureaus?
Product: Mortgage

We are in the third month of the mortgage loan process with no end in sight. We are purchasing a home and the seller will not extend the contract after XX/XX/2016. We have quickly responded to any documentation needed by the lender and we are still waiting for loan approval and loan documents. We have also been told that the loan interest rate and costs will have to be changed after we were told that they would honor their original commitment.
Product: Credit card or prepaid card

On XX/XX/2020 XXXX XXXX charged my USAA credit card for {$5000.00} for a cruise departing from XXXX XXXX on XX/XX/2020. XXXX cancelled the cruise due to the virus. They offered two options for reimbursement and I selected the option giving me 25 % future cruise credit and 100 % refund. They acknowledged my selection via email on XX/XX/2020. My booking number is XXXX. On XX/XX/2020 I called XXXX inquiring about the refund. I talked to a XXXX XXXX and she said within 60 days I will receive my refund. I have called back a number of times and unable to receive any specific information other than they are working on the refunds. Now it is almost 90 days and still waiting for the refund. 
On XX/XX/2020, I wrote a dispute letter to USAA Credit Card Services disputing the charge of {$5000.00}. To date USAA has never contacted me about the dispute. I have called USAA a number of times, including today XX/XX/2020. I am unable to get any answers despite asking for a provisional credit of {$5000.00} to be posted on my account. To date USAA has not credited my account. This is unacceptable customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

GoldenOak lending obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue that has persisted despite multiple attempts to rectify it. Despite my repeated efforts to remove these items, they continue to surface, causing significant frustration and inconvenience. 

It is imperative that immediate action is taken to rectify this situation and prevent its reoccurrence in the future. 

I urge you to conduct a thorough investigation into the root causes of this problem and implement robust measures to address it effectively. Additionally, transparent communication regarding the steps being taken to mitigate this issue and prevent its recurrence is essential to restore trust and confidence in your platform/service. 

Furthermore, I request compensation for the time, effort, and inconvenience incurred due to the multiple attempts to remove these fraudulent items. It is essential that appropriate restitution is provided to alleviate the impact of this ongoing issue on users. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/2022 XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I checked my report for first time in awhile I & there were inquires on my file I never authurized
Product: Credit card

I would like to dispute the validity of Barclays Bank Delaware, Account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTOMOTIVE CREDIT CORP. closed my account in XXXX due to voluntary repossession after Covid-19 pandemic of a commercial business vehicle that was a part of a company that didnt survive the pandemic. I dont feel this is a representation of my ability to maintain vehicle agreements due to the nature of the XXXX shutdown. This was written off of their books and debt was sold this shouldnt be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute regarding XXXX XXXX that was deleted and then reinserted. Please remove this account from my credit report. 

My correct name is XXXX XXXX : Please delete these incorrect variations of my name : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX CT, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act. The List of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 crime 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected.

Furthermore, their dispute resolution proces + 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: Credit reporting or other personal consumer reports

I was recently applying for a loan for a project to help improve my community and its come to my attention that the missed payment on my record could hurt my ability to qualify. This is very frustrating because I have been bringing this to the credit bureaus attention for months. 
They are reporting in XXXX and XXXX of XXXX and XX/XX/XXXX which I have NEVER been late prior or after these claimed moments. These claims are violating several of my federal protected rights under the FCRA. 


Under congress, Pursuant to 15 USC 1666B, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' Also under 15 usc 1692 under the FDCPA If there was a late payment then I was not properly notified of this late payment so how can I address something I never knew anything about?

15 USC 1681 under the FCRA this is not reporting 100 % accurate and every time I send in a dispute the bureaus update certain things but still isn't 100 % accurate. 

I would hate to hire an attorney to sue the company for willful violation of my consumer rights, defamation of character and financial injury.
Product: Checking or savings account

I opened my Chase Account remotely in XXXX XXXX XXXXXXXX, and when I spoke to the customer service representative to finalise the opening of the account, I was assured that I would not have any overdraft fees and made them aware that this was already a service provided to me by my existing bank, XXXX XXXX XXXX XXXX XXXX They confirmed this and the account was opened. 

However, till date they have charged me 57 times at {$34.00} each time, with a further 6 times just in the past week ( 63 times in total, most times the amounts paid out were less than the {$34.00} fee )! The total they have charged me is {$2100.00}. I wrote them a complaint letter ( pls see attached ) on XXXX XX/XX/XXXX with a complete breakdown of charges, etc, to which a lady called XXXX from the executive office called ( XXXX XXXX ) and asked for the name and date of the person with whom I had spoken to initially. I responded and gave this information instantly ( same day, email is attached ) I then received a call from them again XXXX XX/XX/XXXX and leave a voicemail ( pls see attachment ). This was despite me asking them repeatedly to email me since I have had a prolonged illness and unable to speak over the phone. They said that they could only refund XXXX of the charges and were unable to trace any record of the call ( even though sate, time and name of staff was provided ) They proceeded to return the XXXX charges without confirming with me whether I accept them or not and have not contacted me since. This is why I have decided to take my complaint further with the CFPB since I believe that they have provided me with false information at the time of opening the account and then proceed to keep charging unscrupulously. 

Since I mentioned that I would be bringing my complaint to the CFPB, they have further penalised me by reducing my credit card limit by {$1000.00} with them without any notification, prior warning whatsoever and have left me unable to budget for the rest of the month. Pls bear in mind that the credit card has never had a payment missed and in most cases the balance was paid off in full before the statement was produced. ( Total limit was {$2500.00}, as of today its {$1500.00} ) I have attached all letters, itemised statements, correspondence, etc which should provide more detailed information for your consideration. I hope you can contact Chase Bank, and this matter can be resolved satisfactorily. 

Thanks and regards
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC is reporting negative information on all 3 credit bureaus. I have not made a payment in over 20 years and they will not remove themselves from my report resulting in me being turned down for mortgage and car loans. They put false information saying i made a payment in order to keep the information on my reports. There is a statute of limitations for reporting and after 7 years they are required to remove that information. I have disputed with all 3 bureaus only to receive a report back that ECMC claims all information is correct and it is not. I want them removed from reports immediately. I am prepared to hire an attorney.