23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/XXXX and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, EXPERIAN, AND XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, I got wellsfargo email said my account was closed do to unusual activity reset here, gave my personal info. I immediately called fraud department on my card and explained, they canceled my debit card and my account was fine, the next say! 
XX/XX/2021 I see my savings account went from {$4400.00} to negative {$110.00}, I went to the local bank that couldn't talk to me, even though I explained fraud, people are taking money out of my account as we speak, still couldn't help. I drove to other wellsfargo bank, they took me in changed my accounts, I got liflock, locked my credit with credit bureau, filld police report, everything I'm supposed to do. I got a letter saying they didn't feel responsible for the money. I feel they are responsible since I contacted them before and I never wire money and drain my savings account in one day negative {$110.00}, totally unusual activity for my account.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I send certified debt violation letter to IC System, Inc on XX/XX/ the company have failed to validate my debt. Instead on XX/XX/XXXX XXXX XXXXhey send a list of my medical records which I know is a direct violation of HIPPA regulations. I nerve signed a HIPPA form authorizing them to have access to this information. Please delete this information on my credit file and cease all collections activities immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX 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 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 items 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 a reasonable cost to believe that this information is an inaccurate.
Product: Checking or savings account

In XX/XX/2023, I tried to reopen my account with Chase bank which had been closed, for no reason and for having my documents expired, when I opened the accounts again, the banker who attended me made the calls to the department in charge to verify that I did not have any type of problem, which the agent authorized the reopening of my account, after more than 1 hour of waiting and scheduling Open the account. 

The banker in charge called the department in charge again and it was notified that an opening of my account could not be made, leaving everything that the banker and the sales executive did could not be done, understanding that there is clearly an attack on my person since my rights as a citizen of being able to open an account where I have never had any problem with that institution are not fulfilled and I
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans fro m  XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : BXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXXXXXX Personal Information Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.
Product: Debt collection

Notice to ALLY FINANCIAL INC., that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. I have already filed my complaint and summons with the higher courts.
Product: Checking or savings account

I have worked in banking 15+ years prior to being laid off due to Covid. My joint checking account with my wife is receiving fees although we have contacted the Bank letting them know our unemployment has been delayed and we are struggling to put food on the table. We originally asked for a debit block so that we don't receive fees but because of previous taxes and the pandemic, the account is tied to our money being deposited here and can't close the account. We actually have a XXXX balance of principal but were charged XXXX and then NSF fees on top of them totaling over XXXX . After my grandfather has been in the hospital for 2 weeks I finally get a chance to call the Bank and deal with this - the full negative XXXX $ balance is all fees and not XXXX $ sent to merchants or anywhere else. Bank of America 's solution is a credit line to pay my debt to them ( so they are offering an unemployed person a credit line to pay their fees back to them with no principal balance owed to the account )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX WE GOT MORTGAGE LOAN FROM CHASE HOME FINANCE, LL NOT XXXX XXXX MORTGAGE LOAN XXXX OR TRANSPOSE FRAUDULENT LOAN XXXX. 

THEY OPENED 1 GOOD ACCOUNT AND 1 FRAUDULENT ONE BY TRANSPOSING TITLE NAME AND TRANSPOSING ACCOUNT SEE CREDIT REPORT AND LETTERS FROM CHASE. 

I HAVE DISPUTED THIS MATTER 13 TIMES IN OVER 10 YEARS WITHOUT CORRECTION. 

XXXX VIOLATING TILA, F.C.R.A. AND " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009.
Product: Credit card or prepaid card

XXXX : I'm trying to activate a Visa gift card for {$100.00} issued by Blackhawk Network which expires on XX/XX/XXXX using the website listed on the card. The website simply said technical error. I tried again over the next few days with the same result. 

XX/XX/XXXX : I tried activating the card using the phone number listed on the card. The automated system said the card is inactive and hung up. I tried various ways to talk to a live customer representative but their automated system does not have that option. I called Visa who directed me to XXXX who directed me back to Blackhawk Network gift card number which was the same number ( for the purely automated system ) on the gift card card. 

I did some research online and noticed many other complaints lodged against XXXX and Blackhawk Network on XXXX. I decided to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach supposedly included my data which would easily allow someone to steal my identity and attempt to open credit lines in my name. Equifax 's handling of the situation thus far has been terrible, including trying to get people to sign up for a free monitoring service which included a clause attempting to force people to wave their rights to file a lawsuit against them ( I did not sign up for this service ). Also concerning is the news that higher ups at Equifax used insider trading info to sell stock before making knowledge of the breach public.
Product: Debt collection

Company never contacted me in reference to account. Had no knowledge that account ever existed until this morning XXXX/XXXX/16. Account has not been communicated what so ever
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Credit Reporting Rights Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

Firstly, according to the Fair Credit Reporting Act, specifically section 623 ( a ) ( 2 ) outlines the requirements for furnishing information to consumer reporting agencies; furthermore mandating that before reporting negative information about a consumer to a consumer reporting agency, the furnisher, as defined in 12 CFR 222.4, must provide written notice to the consumer. The " furnisher '' has not provided such information prior to reporting and is in violation of Privacy Act of 1974.

Secondly, according to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed ''.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing and has. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report, by enforcing these statues put in place to protect us, and update my reports with XXXX, XXXX and Equifax to " Paid As Agreed ''. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The collector called my XXXXyr old mother up to several times in one day over more than a week, leaving a message, asking for me. Not leaving a personal name, but a phone number and account number. 

This collector is from a landlord dispute that we have from a former apartment.
Product: Credit reporting or other personal consumer reports

Everything I apply for no matter what it is. I have applied for personal loans, credit cards, cellphones and etc. When I apply I am denied
Product: Consumer Loan

ATTACHED IS A COPY OF THE DISTRICT COURT COMPLAINT FILED XX/XX/XXXX WHICH INDICATES ON XXXX UNDERLINED INDICATED IN THE SETTLEMENT AGREEMENT ALL ATORNEY FEES WERE INCLUDED IN THE XXXX PAYMENT AND THE LAST XXXX PAYMENT WAS MADE ONXX/XX/XXXX AND WE CURRENTLY ONLY OWE THE XXXX NO LATE PAYMENTS WERE ATTACHED TO THIS FIGURE ON THE STATEMENT AND THE ONLY REASON THAT XXXX WAS NOT PAID WAS BECAUSE LENDMARK KEPT ASKING FOR THE ATTORNEY FEES WE HAD ALREADY PAID AND ALSO THE XX/XX/XXXX PAYMENT SHOWED NO LATE CHARGES WHICH IS ATTACHED
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 & XXXX XX/XX/2023
Product: Student loan

My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful.
Product: Credit reporting

I have disputed this information with all XXXX credit bureaus to no avail. I have even supplied information from the acutal creditor stating that the account is closed and to remove it. The Credit Bureaus will not update and correct my reports.
Product: Mortgage

I contacted my mortgage company approximately XXXX of XXXX to state that I had noticed I was being charged for private mortgage insurance ( PMI ) when I received my 1098, even though my principal owed was below the required threshold. They indicated that they would be removing it from my loan at that time. This year, I have received my 1098 from them and observed that I am still paying PMI and my payments would be increasing according to my statement. This is only noticeable when these statements are sent out at the end of the year because throughout the year, these items are not discernible, due to the fact they are all inclusive and listed solely as " Tax & Insurance '' in the monthly statement. I have since contacted them again on XX/XX/XXXX to dispute my need for PMI and was told I would be receiving something in the mail in the next 10 business days but they didn't know why I was being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Checking or savings account

On XX/XX/2018, my debit card was in my wallet at work with me. However, XXXX transactions at a XXXX XXXX in a town XXXX minutes from me, for a total amount of slightly less than {$830.00} went through on my account. Obviously they were not me considering I was at work. I filed a fraud case with Chase Bank. I was given provisional credit that day ; however, XXXX weeks later the charges were reversed. I called in and asked for information on the reversal. They stated that because it was a pin based transaction on a chip card that they had to deny the claim. I requested that the claim be reopened and I submitted documentation from my boss that I was at work at the time of those transactions occurring along with a written statement that I did not conduct those transactions. They denied my claim for a second time following the reopen. I again called in and requested to speak to a XXXX. I got XXXX in their escalation team of which ended up being helpful. She reopened the case due to the fact that it was reported that I stated the XXXX transactions were correct. She submitted the " new '' information after listening to the initial phone call. Yet, it was still denied. They are asking me to reach out to XXXX XXXX to get information on who conducted the transaction and what it consisted of, despite the fact that, that is their job. It has been an entire month since this first occurred and I still do not have my money back and they are still refusing to help me in the slightest.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am formally disputing the inaccurate information listed on my credit repair in accordance with 15 U.S.C. Section 1681b and U.S.C. section 1681c. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report, and I did not initiate which constitutes a case of identity theft, pursuant of 18 U.S.C. section 8 I do not owe any debt to these entities, and I demand the immediate deletions of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entries.