23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Recently, I made a deposit for trading cryptocurrency, which went sideways. I actually made money from the trade, but now Im trying to get my money back. When I told Wells Fargo, that I believed I had been scammmed, because my money will not be returned to me, they said they could not help me. I believe that it is their job to help me recover fraudulent charges. If a customer has been scammed out of money, and the money has come from that bank the I bank with than it is their job to help me recover the funds. Please help me! Right now, I can not buy groceries or diapers and that is very upsetting!
Product: Debt collection

Ad Astra could not confirm the debt was mine and removed it from my XXXX  credit report. It remains on my XXXX  and XXXX  reports. This is illegal reporting practice and I will be filing a formal complaint in court within 30 days of this complaint if it is not removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint on an account stored on my credit report with XXXX and trans union. XXXX just sent me an update stating that the dispute is closed, and XXXX XXXX verified the account. I know I made the payments on that account in XXXX XXXX XXXX. Once again by law, I have the right to have the dates validated by the XXXX XXXX reporting me on my credit report, which would be trans union and XXXX. By law VALIDATION not VERIFICATION would be the bank statements from XXXX XXXX showing I didn't make the payments. I want my VALIDATION which I'm entitled to. If Transunion and XXXX don't provide that they would be in DIRECT VIOLATION of the Law.No one should be able to break the American Law. Without that VALIDATION XXXX and TransUnion would be False Reporting, which is a violation of the law. by other means, XXXX and TransUnion are reporting this account without my written consent. I HAVE THE RIGHT TO MY PRIVACY WHICH THE LAW GRANTS ME. PLEASE CAN TRANSUNION AND XXXX PROVIDE ME AND THE CFPB WITH THE WRITTEN CONSENT OF MY STATING TO FURNISH THIS ACCOUNT? EVERYTHING XXXX AND TRANSUNION HAVE BEEN UPDATING TOME IS FRIVOLOUS DUE TO THE FACT I VALIDATED AND HAVEN'T RECEIVED ANYTHING BUT FRIVOLOUS STATMENTS. AS STATED IN THE FCRA LAW THE CREDIT BUREAUS SHOULD TREAT ME WITH THE RESPECT THAT A CONSUMER DESERVES, WHICH I FEEL AS THOUGH I'M NOT BEING TREATED WITH THAT RESPECT. XXXX AND TRANSUNION ARE BREAKING SO MANY LAWS AND GETTING AWAY WITH IT. AT THIS TIME I'M GIVING XXXX XXXX XXXX PERMISSION TO SPEAK AND ACT UPON MY BEING. YES, I'M FAMILIAR WITH THE FCRA LAW AND THE FTC LAW, IF I HAVE THE RIGHT TO MY PRIVACY I WOULD LIKE THE XXXX XXXX ACCOUNT REMOVED IN GENERAL FROM MY CREDIT REPORT. ALSO, XXXX AND TRANSUNION CAN EVEN VALIDATE NOT VERIFY THIS ACCOUNT, WHICH SINCE THEY ARE HOUSING IT THEY MUST HAVE THE VALIDATION TO PROVIDE ME. WHEN FILING A DISPUTE WITH THE CREDIT BUREAUS ONLINE YOU ONLY HAVE XXXX SPACES TO TYPE YOUR COMMENT, WHICH IS NOWHERE NEAR ENOUGH SPACES. PLEASE STOP LETTING XXXX AND TRANSUNION BREAK ALL THESE LAWS WITHOUT NO ACTION BEING TAKEN AGAINST THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing this was Paid in settlement and was charged off. This was suppose to be removed by the company once settled with collections.
Product: Credit card or prepaid card

I was alerted by a credit reporting agency that a new hard inquiry was on my account. I also received emails from Bank of America saying thank you for your application, your application has been approved and welcome to online and mobile banking. The emails were disturbing because I had placed a freeze and had locked all of the credit reporting agencies since someone had tried to open an account in XX/XX/2023 in my name. 

I phoned XXXX to ask about the alert I received and they told me to call Bank of America to ask if they had an application in my name. So I called Bank of America and they said yes there was an application in my name. ( After I had to give them personal information ) I explained that it wasn't me who initiated the application and they told me they would close the account and remove the hard inquiry. They wouldn't tell me what type of account it was because I didn't open it?! After I spoke to them I had new emails from Bank of America saying your digital debit card is here, and another one that said your digital debit card was recently viewed. 

My problem with the entire situation is why did Bank of America approve the account without reaching out to me for approval since I had my credit frozen and locked at all the reporting agencies since XXXX?! That is what is most disturbing to me.
Product: Debt collection

Tried to call company this company is called asset care is not a real company ass ets care In  c. are scammers this company people are playi ng on phone this who ever they are called tries to take money they need to be investigated I do n't owe anything are any body they illegally put  XXXX  bad collections on my account no I want these removed asap and for you all to sue them for wrong practicing its against the law to put collections on ones account with out them knowing are knowing about it never received anything from them do n't now company. she says her name was  XXXX  refuse to give me any information about me just demanded money and very rude and bad threats no one should have to put up with this cruel punishment is horrible the things these people do to get money illegally this are these people are not who they say they are.
Product: Credit reporting or other personal consumer reports

I have hard inquires on my account that I do not recognize nor did I initiate. I have filed a report of identity theft to the FTC
Product: Prepaid card

Called Wisely card services and requested to dispute charges because my card was stolen and used on XXXX & XXXX. I called XXXX times and been hung up on XXXX  times and XXXX call I placed on hold by XXXX and no one ever returned back to phone once Ive reached the dispute department. You could hear the rep laughing on the phone once I called back for XXXX time and they keep having me verify my information on every transfer of the calls. And still no resolution. I need my money back and I am a XXXX mother thats works hard. Im currently on hold still as I wrote this which sad. These take people finances as a joke. XXXX uses this company for XXXX XXXX on your pay check. Terrible idea once I get done with this complaint I will call XXXX and tell th about my experience. I XXXX XXXX this company and they need to be stopped.
Product: Credit card or prepaid card

I was in disbelief when I saw on my credit report a late payment reporting for me in XX/XX/2016. I am not sure what may have happened. I believe I made all my payment to you when I received my statements. My only thought is that my statement never got to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( XXXX ) XXXX XXXX XXXX XXXX XXXX. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2.

This item remaining on my credit report is in violation of federal law. ( XXXX ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires XXXXXXXX XXXX XXXX to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M REQUESTING TO HAVE TANSUNION TO VALIDATE A DEBT ... XXXX ACCOUNT NUMBER XXXX ... 
TO Transunion : : I Received The Results From My Previous Dispute ... I Have A Right To Have An Investigation Done... According To Credit Reporting Laws They Ensure That Credit BUREUAS Report Only 100 % Accurate Information ... Every Step Must Be Taken To Assure That The Information Reported IS COMPLETELY ACCURATE AND CORRECT ... The Following Information Therefore Needs To Be Re-Investigated... Please Make Sure Everything PERTAINING TO MY CREDIT REPORT IS CORRECT... 
Please Provide ME With THE FOLLOWING ITEMS : : : Pay Off DISCLOSURE Interest Rate DISCLOSURE Balance HISTORY Payment HISTORY AND THE Credit INSURANCE... 
PLEASE VALIDATE ACCOUNT XXXX ACCOUNT NUMBER XXXX ... 
I RESPECTFULLY Ask Transunion TO Provide Some Kind PROOF Of The Alledged Item Specifically The Contract Note Or Other Instruments Bearing My Signature... 
Additionally Please Provide The Name Address And Telephone Number Of The Credit Grantor Or Other Subscriber... 
Under Federal Law You Have Thirty ( 30 ) Days To Complete Your Re-Investigation... Please Be Advised That The Description Of The Procedure Used To Determine The Accuracy And Completeness Of The Information IS Hereby Requested As Well... To Be Provided Within Fifteen ( 15 ) Days Of The Completion Of Your Re-Investigation Transunion Respectfully XXXX XXXX XXXX
Product: Debt collection

This company has changed its information a few times and reported inaccurate information consistently. From being included on a bankruptcy, incorrect amounts, now incorrect dates ( date of major delinquency now XX/XX/20 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX XXXX Capital One for Incorrect Credit Bureau Reporting accounts 1 ) acoount XXXX : XXXX XX/XX/XXXX XXXX ) Inquiries : XXXX Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the inaccurate reporting of an account to the credit bureaus that does not belong to me. I have recently reviewed my credit report and discovered an account listed under my name, which I have never opened or authorized. 

Despite numerous attempts to contact Capital One and rectify this error, I have not received a satisfactory response or any action taken to correct the inaccurate information. This incorrect reporting has had a detrimental impact on my credit score and overall financial standing. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly, intervene on my behalf, and ensure that Capital One rectifies this error promptly. Additionally, I urge you to take appropriate measures to prevent such erroneous reporting from recurring in the future and to hold Capital One accountable for their actions. the only account that i have with capital one/saks its XXXX XX/XX/XXXX AND THE REASONS i applied for it just to get my employee discount because i was working for saks fifth avenue. 

Enclosed with this complaint, please find copies of my credit report highlighting the disputed account, as well as any relevant correspondence I have had with Capital One regarding this issue. 

I appreciate your attention to this matter and hope for a swift resolution. Please feel free to contact me if you require any further information or documentation. 

Thank you for your assistance in addressing this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Checking or savings account

Yes I deposit my check and first it cleared and then they stop it and said that I owed them money for depositing the bad check my check isn't bad I just got it from my job so how is it that my check is bad so they close my account and here I am fileing a complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I called Nissan Acceptance regarding my Car payment today. The representative that I spoke to was rude and cut me off several times during the conversation. I asked to speak to a supervisor and she transferred me to a general voicemail. It did not identify anyone on the voicemail. I called back and ask for a supervisor and that representative did the same thing, they transferred me to general voicemail with no one 's name or extension on it. I called back a 3rd time and explained to the representative that I need to speak to supervisor and that I keep getting transferred to a voicemail and he responded " : Maybe there not XXXX available and that why you keep getting voicemail and then placed me on hold. Finally a supervisor came on the phone. I explained to the supervisor that my payments that I am making on Nissan 's website are not being credited on the day that I authorized them. They are being credited a couple of days later. She explained to me that the payments are not back dated to the day they were authorized. I explained that I authorized my payment on XXXX and as of today XXXX/XXXX/XXXX the payment still has n't posted and I am being accessed 3 additional days of interest that I should n't. I also explained that their own website shows the payment that I authorized on the XXXX is pending. I also advised the payment I made last month was made prior to the XXXX but it was credit on the XXXX. The supervisor stated I should look at other forms of making the payment like XXXX but even then the payment has to be there by XXXX in order to receive credit the same day. I explain to the supervisor again that I understand cut off times however the system can clear determine what day I authorized the payment for and the payments should be back dated to the day in which the payment was authorized not 2 or 3 days later because I am being access additional interest for these days. She said she could summit a suggestion that Nissan fixes this issue but there nothing I can do at this time and there no guarantee Nissan will ever fix the issue. I advised the supervisor I will be filing a CFPB complaint because Nissan payment posting process of not posting payments when they are authorized is resulting in me having to pay more interest on my loan because they are posting the payment days after I have authorize the payments and not back dating to the effective date in which I authorized the payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I wrote the XXXX credit reporting agencies regarding unauthorized inquiries. They have not sent me information as requested regarding validation of said accounts that obtained a copay of my credit report. I have attached a color coded copy of my credit report inquiry section highlighting the unauthorized inquiries. On the dates of the unauthorized inquiries, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I only authorized XXXX XXXX and XXXX XXXX access to my credit report, as those are the ones I have an account with. Anything outside of that I did not give consent for. 

I also previously disputed late payments for XXXX XXXX, they are reporting all payments on time to XXXX, but still showing a XXXX  days late status. Please correct. A highlighted copy of my credit report is attached for this item. 

In addition to XXXX, I also disputed an incorrect late payment with XXXX XXXX. As you can see, they are not consistently reporting the month of the alleged late payment. On XXXX and XXXX, they are saying the late payment was XXXX. On Equifax, they said it was in XXXX. This is inconsistent and inaccurate. As you can also see, they are not showing this account has been disputed, this shows they have not accurately investigated this account even with the submission via the CFPB portal. I demand these be deleted due to CONSTANT negligence. I will submit a FTC report if this is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and # XXXX XXXX XXXX XXXX XXXXXXXX, have violated my right. 

15 U.S.C. 1671 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act15 USC 1681 section 602 says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with respect, impartiality, and fairness for the consumers right to privacy. TransUnion, XXXX and XXXX are consumer reporting agencies, and I am the consumer. It is to my knowledge that I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies XXXX and XXXX, and Trans Union do not have my consent to furnish this type of information and I did not give a written consent. Any and all consent to Trans Union, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise the nondisclosure option. Trans UnionXXXX XXXX, or XXXX never notified or informed me of my right to exercise my nondisclosure option. 15 USC USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting may take any consumer report containing anu of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. XXXX5 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relation to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumers reports to the purposes listed under section 1681b of this title. '' Trans Union, XXXX, and XXXX are not maintain reasonable procedures. Also 12 CFR 1016.7states that " A consumer may exercise the right to opt in or out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I pulled my report and noticed, I had 6 Hard inquires on my report. I contacted the credit bureaus on this manner, and they failed to comply with the rules and regulations.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or 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: Debt collection

The XXXX XXXX XXXX, Portfolio Recovery and XXXX Funding have reported, called and sent letters to addresses I dont live or ever lived at. They have violated my rights based on - 15 U.S. Code 1692c - Communication in connection with debt collection states, this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate. Also the inaccuracy reporting by XXXX and XXXX affects these challenges.
Product: Credit reporting or other personal consumer reports

Today I got in the mail a letter from chase bank alerting me about fraud and therefore cancelled a recent application from a chase bank credit line. Which is completely true I never personally applied for there credit card so I dont know who has my information or how did they apply for it. Im really concerned on how it even happen and I dont what it to happen again knowing its not me who is applying for that credit card and potentially an be affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax dropped my credit score by 23 points because I disputed the remarks on accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I pay my bills all on time and disputed remarks on account and my score dropped 23 points. How is this possible. This is even though one my credit cards balanced decreased by {$1300.00}. This is not right and totally unethical.