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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account info Account name XXXX/BRIDGECREST Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Status Paid, Closed. {$7.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$950.00} as of XX/XX/XXXX Monthly payment - Original balance {$20000.00} Highest balance - Terms 73 Months I am filing complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency and remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card

I have been involved in a timeshare/vacation club scam in XXXX XXXX XXXX. A transaction was made with my Bank of America Visa credit card. 

I called Bank of America the day after the transaction suspecting fraud and asked them to stop payment on the charge. I was told the payment was in progress and there was nothing they could do until the transaction posted. 

After the transaction posted I contacted the Fraud Department and wished to file a claim. I was told by BOA they only consider a transaction fraud if someone else uses your credit card. BOA told me the only claim they could file is a billing dispute if I signed a contract. 

After investigating myself, it was an obvious scam with multiple threads on the internet involving XXXX XXXX, The Residency Collection, and Platinum Marketing. 

I sent a detailed letter with documentation disputing on the basis of fraudulent representation and failure to meet terms and conditions of the contract. The claim was denied. 

I contacted BOA again and had to walk them through the contract where the terms were not met, and this was a supervisor. BOA is holding fast that they can not collect from XXXX based on fraud, only a billing dispute, and the dispute has to be worded accordingly. The supervisor agreed to file another dispute focusing on failure to meet terms and conditions. The second dispute is in progress. 

This is absurd. I have fraud protection services with them. If they see suspicious activity, they will contact me and ask if I made the transaction. If I say no, they will stop payment. When I said I did sign a contract, but it was highly suspect of being fraud, they would not stop payment. 

XXXX and BOA should better protect their consumers/customers. BOA will get 12.99 % interest on the charge if they deny the claim. XXXX get a cut with every swipe of a credit card. I have all details I can forward or attach as PDF files. CREDIT CARD HAS BEEN CANCELLED TO PREVENT POSSIBILITY OF FURTHER FRAUD. Please contact me with any questions or guidance in this matter. 

Respectfully submitted, hopeful citizen.
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/2024 REPORT NO XXXX THEPERSONAL INFORMATION PROVIDED ON THE REPORT IS INACCURATE.
Product: Money transfer, virtual currency, or money service

I have been using Square Incs Virtual Terminal to conduct my business for about a year without any issues. However, on XX/XX/XXXX, immediately after processing a transaction for over {$200.00}, Square abruptly shut down my account without providing any explanation. 

Shortly after, I received an email from Square stating that my account had been closed. The email did not specify any reason for the closure but mentioned that Square would hold all funds for 180 days before depositing them into my linked bank account. This delay is completely unacceptable, as I rely on those funds to run my business. 

I contacted Squares customer service the same day, but they were unhelpful. They promised to send an email outlining the next steps, which never arrived. When I followed up the next day, no one answered because it was Saturday. On XX/XX/XXXX, I finally reached customer service again, but they insisted there was nothing they could do to release the funds sooner. 

Holding my hard-earned money for six months without a clear explanation, while still collecting their transaction fees, is unjust and feels like theft. I need access to these funds immediately. I've also seen dozens of other stories similar to mine so I feel like there is something shadier at large here.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Experian, XXXX, I am writing to dispute the following information that appears on my XXXX, Experian, XXXX consumer report : Consumer-Personal Statement As a concerned citizen, I believe it is the responsibility of organizations like the FTC to uphold and enforce consumer rights, ensuring companies adhere to ethical business practices and prioritize the interests of consumers above all else. I urge you to take decisive actions to address theses issues and to implement policies that will better practice consumers from exploitation and fraud.

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, EXPERIAN, has violated my rights. 15 U.S.C 1681 section 602 A. Including, 15 U.S.C 1635, 15 U.S.C 1662, and 15 U.S.C 1691
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER TransUnion was sent with supporting documents Registered Letter see attached TransUnion has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls
Product: Bank account or service

My business bank account is with chase bank. I had to open a new account after my first account was compromised by counterfeit checks being cashed against my account. Approximately XXXX weeks into having this new account opened it was once again compromised and counterfeit checks were being cashed. I reached out to my branch and explained to the branch manager XXXX XXXX what was occurring. I was informed that alerts were being put in place so that checks presented that I did n't approve with there security feature reverse positive pay would not be cashed but that was not the case instead the counterfeit checks were being presented and cashed without my authorization. I was informed I should enroll in another security feature called positive pay which requires me to enter manually all checks that are written in my account and only those checks will be cashed. For a few days counterfeit checks were being repeatedly being cashed even with these security features in place. I contacted the fraud department and had to fill out affidavits for each occurrence of checks cashed in order to have the transaction reversed and money put back into my account. Everyday for the last XXXX weeks I have been calling the fraud department to have the money placed back into the account and is being told that the claim with my affidavit was approved but is being investigated and each day given a new date in which the money will be put back in the accounts each day I check the account and the money is sill not in the account and I 'm told it 's still under investigation. Also the security feature positive pay that is suppose to protect my account was due to be in effective as of XXXX XXXX, 2015. Each day my secretary manually inputs only checks that should be cashed. Each day we look at the account and it says service pending. After being on the phone for XXXX hours I was told it was not activated due to us inputting checks via an XXXX which is considered to be a mobile device so in turn my secretary started inputting checks via a desktop and this was suppose to activate the service within XXXX hours. XXXX hours later the same service pending shows on our account. Each day I 'm on the phone arguing for XXXX hours to secure our account because chase has no idea how to secure and protect our account. My employees are refusing to attend work because at the end of the week there checks ca n't be cashed. I 'm losing XXXX hours each day in my business due to being on the phone for countless hours with chase who can not resolve any of my issues. I receive no call backs and am being transferred numerous time to all different department so different people who have no idea how to help me or how to secure this account and protect my money for my business
Product: Credit card

My credit card issuer, Synchrony Bank, assessed my account with a late payment fee of {$37.00} on XXXX XXXX, 2016 that was a direct result of their online payment system being unavailable to access requests from XXXX and Customer Care Agent in providing incorrect payment processing information. In speaking with their technical support services staff on the payment due date of XXXX XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Sychrony Bank Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. I followed up with a phone call to process a payment over the phone and unknown to me at the time the payment was processed for another unrelated Synchrony Account. In following up on XXXX XXXX I called into their service center where an agent informed me that because of my " account type '' they were not authorized to reverse any fees - despite the origination of the issues I had being with Synchrony Bank. I escalated the phone call and asked to speak with an Account Manager who was inflexible about the position and insisted, in our approximately 30 minute phone call, that I held ultimate responsibility for their error.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I used the Capital One pre-approval site to see if they would approve me for a credit card. The response indicated I would be approved for a card. 
On XX/XX/2020, I formally applied for the Capital One Savor card on the Capital One website, and I was declined, although I was offered a different card with a {$1000.00} credit limit. I declined, as this was not the card I wanted with the features that I wanted. 
Later that day, I received an email from Capital One that provided me a copy of the credit card rejection letter. The reason provided for the decline was, " number of bank cards tradelines opened in the last 24 months. '' It did not provide an actual number, however. The letter did note my XXXX credit score being XXXX. 
On XX/XX/2020, I wrote and mailed a letter to Capital One, requesting more information about the reason for being declined. Specifically, I wanted to know what the maximum number of tradelines that could be opened in the last 24 months, so that I would know what steps could be taken to get approved for this card in the future. 
On XX/XX/2020, I received an email from Capital One that provided me a copy of the same rejection letter with only the date of the letter updated. I did not receive any reply to the questions I sent in my letter. 
On XX/XX/2020, I sent a 2nd letter to Capital One, requesting the same information as before. 
On XX/XX/2020, for the second time I received an email from Capital One that provided me a copy of the same rejection letter with only the date of the letter updated. I did not receive any reply to the questions I sent in my 2nd letter. 
Since XX/XX/2020, I have tried to contact Capital One by phone to get answers to my questions several times, trying various phone numbers. Those calls have been futile, as either I get a recorded message that the application team is unable to take calls, and I am disconnected, or customer service tells me application team is unavailable, and the customer service representative could not tell me when they would be available. 
This is very frustrating as I have excellent credit and I am not being provided any guidance on the steps that I can take to be approved for this card. It feels like I am being discriminated against as no one is providing answers to my questions.
Product: Checking or savings account

Today ( XX/XX/XXXX ) I went to withdraw funds from an ATM. My transaction would not go through two times at this ATM and only providing me a phone number to dial. I then tried another ATM and was provided another phone number to dial. I then called to Wells Fargo ( XXXX @ XXXX XXXX ) regarding why I was not able to withdraw money. The agent stated that there was block on my  account due to questionable transactions that had been made. After verifying my authenticity, I inquired more information regarding the transactions and the dates. I was provided the information and from which merchant. They stated that is done through XXXX online for three purchases for the following amounts : XXXX XXXX/ XXXX XXXX/ {$230.00} all made on XX/XX/XXXX. XXXX refunded me the money back for the first purchase immediately, however, then the two amounts were pushing through. That was when Wells Fargo placed a block on the card. I then asked why I did n't receive any notifications, the agent stated to check my settings on my notifications. After discussing this with agent, I then went through my bank statement and emails at a later time ( please look at attachments ) and did n't find any notification from Wells Fargo. Through my bank statements, there was no credit or transaction regarding XXXX. I then reached out to XXXX and looked through my online account for any recent purchases. Again, there was no order transactions or refunds documented. XXXX informed me that they did see the amount for {$460.00} that was automatically refunded. XXXX did n't find the two other accounts that Wells Fargo stated to me. The agent informed me all purchased where done from a third-party merchandiser : Breed. The agent also provided me their phone number to reach them directly, however I reiterated that since I only have verbal confirmation from the ( XXXX ) and my bank ( Wells Fargo ) that I needed more documented proof. I was only provided a reference number on this incident from XXXX and told it would be sent to level 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

We had landscaping work done here by a local company. When payment was due, the landscapers site and email was hacked and we were sent emails that indicated a wire transfer account to which the funds could be sent. Note that in the emails other members of the landscaping company were copied, providing some measure of comfort that this was legitimate. We sent the wire transfer to the JP Morgan Chase account which was listed as the name of our landscaper. This was a fraudulent account. The money in the account was quickly removed. Our inquiries had Chase put a hold o the account but too late. In our later interactions with Chase, they related that the individual had opened another account. They put a hold and that account was again closed.
Product: Money transfer, virtual currency, or money service

XX/XX/23 in the amounts of XXXX, XXXX and XXXX. 
Cashapp did nothing though I could prove that the person ( s ) are scammers. They refuse to refund me and close the person 's account. Cash app has debit, bank and credit cards tied to their user accounts and can easily reverse the transactions in question.
Product: Credit reporting or other personal consumer reports

I recently found an unauthorized credit inquiry on my report, dated XX/XX/2022, under the name XXXX FREE DISCLOSURE. This entity is unfamiliar to me, and despite a thorough review of my credit report, I am still uncertain whether this inquiry was generated by Trans Union LLC or TransUnion XXXX XXXX XXXX, both subsidiaries of TransUnion. I never consented to this inquiry, and the lack of transparency has raised serious concerns about the security of my personal information. 
I have formally requested an explanation and proof of authorization from TransUnion but have yet to receive a clear response. In addition to the unauthorized inquiry, I am also worried about the accuracy of the entity 's legal name. Any misidentification could lead to significant legal and financial consequences. 
By sharing my experience, I hope to raise awareness and help others who XXXX face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Credit reporting 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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXX Balance Owed : {$0.00}
Product: Debt collection

On XX/XX/XXXX, I sent 2 certified letters to Capio Partners asking them for debt validation of the two accounts as I never received any bills prior to both debts hitting my credit report, one is in the sum of {$990.00} and the other is in the sum of {$590.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained for the medical service provider. 

The documentation provided included 7 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX XXXX XXXX XXXX XXXX XXXX ) They have violated the regulations of the HIPAA Act of XXXX. 

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$6000.00} XXXX XXXX XXXX BALANCED {$2100.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXX BALANCED {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in violation of my cra showing a late payment never late with XXXX trans has fixed it but Equifax has not
Product: Credit card or prepaid card

Over the course of the past five months, I received several credit card statements, all branded cards issued through Synchrony Bank, at various stores ( e.g., XXXX XXXX, XXXX, XXXX XXXX, etc ). After receiving the first credit card statement, I believe in XXXX or early XXXX, I called Synchrony Bank and advised them that I did not open a credit card account and that the other persons name on each statement was a stranger to me. I am an attorney, so I verified to them that I had never represented any individual by that name. The representative of Synchrony Bank confirmed that my social security number had not been associated with the account. 

As of XX/XX/2020, I continued to receive statements in various individuals names and and, on each such occasion, I called to report the continued problem until such calls proved pointless and outrageously time consuming ( 2 hours per call ). On each occasion, I provided an account number and again received an assurance that my social security number had not been associated with the account. I also received, however, assurances on every phone call indicating that I would not be receiving any further statements. The fact that this assurance was not met has caused me to question all assurances given to me by Synchrony Bank. 

I began sending the statements directly to the fraud department at Synchrony Bank and have not even received an acknowledgement of the problem. I have continued to receive fraudulent statements every week.