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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; DEPTEDXXXX XXXX XXXX : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} ; XXXX XXXXXXXX : {$6300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$15000.00} ; XXXXXXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXXXXXX XXXX Date of XXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXX ; XXXX  XXXX A Date of XXXX ; XXXX Date XXXX XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$120.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX of XXXX ; XXXX Date of XXXX
Product: Checking or savings account

I was contacted by who I thoght was Bank of America about someone opening an account in my name. I believed I was dealing with the Bank of American when they asked to me to send a payment of {$3400.00}. Once I realized that the caller ID, which showed the call was coming from Bank of America and was the proper phone number, was not correct it was too late. I contact the Bank and they took my complaint and said I would probably not receive my funds back even though I truly believed I was dealing with the Bank.
Product: Money transfer, virtual currency, or money service

I am filling a complaint I guess cash app ( block , inc . ) due to indication, customer service, and a fair practice act ( CFPA ). Pacifically cash app app file to take timely and effective measures to prevent an address brought on their platform, even my account, vulnerable and protected furthermore dear dispute evolution process was unfair and deceptive as they did not comply or error, read solution requirement under the electronic fund transfer act ( EFTA ) regulation E These actions has caused significant and convenience and financial loss and I see inappropriate redress. for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been my sister 's legal guardian for over 5 years. She turned XXXX last week on XXXX XXXX, XXXX. We tried to register her online with SocialSecurity.gov to receive her benefits ( because her mother is deceased, she gets benefits ). When we were asked security questions, we answered none of the above to all of them. She does not own a house, have a mortgage, a car or a credit card. She just turned XXXX and by law you can not obtain any form of credit until you 're XXXX. We received a message stating because she could pass the verification process and we answered the questions incorrectly, we could not register online. We went ahead to try to obtain a credit report via XXXX and the same thing happened. We are not stuck at a stand still. We ca n't obtain a copy of her credit report to dispute what is on there.
Product: Credit reporting

I have a debt collection item on my  XXXX  credit reports for an unpaid utility bill that I never opened.  XXXX   XXXX   XXXX , a  utility  company in   XXXX   XXXX    seems to believe that I opened an account in  XXXX . I enlisted in the  XXXX  in  XXXX , and have not lived in   XXXX   XXXX   since then. I am currently stationed in  XXXX , and wad previously in  XXXX . I 've also resided in military housing ( ie. barracks ) since  XXXX , where I have no rent or utilities. Furthermore, I was  XXXX  in  XXXX . In short, I had absolutely  zero  reason to open a utility account with  XXXX  or anyone else. It was not me who opened this account. If someone used my information, they did not have my permission. I have filed disputes with the  XXXX  credit bureaus. Thus far,   XXXX   is the only one to have competed their " investigation ''. They have decided to keep this fraudulent negative information on my credit report. How can I get the collection agency and the utility company to remove this false report from my credit???
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 - XXXX XXXX XXXX Account - XXXX XXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXXXXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXX Account- XXXX XXXXXXXX Account- XXXX XXXXXXXX XXXX AccountXXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXX XXXXXXXX Account- XXXX XXXXXXXX Account- XXXX XXXX XXXX XXXXXXXX Account -XXXX Account-XXXX XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XX/XX/XXXX XXXXXXXX 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 The following addresses are also in violation of my consumer rights : Address 1 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Vehicle loan or lease

XX/XX/2020 I received a letter from GM FINANCIAL providing me with my payment history and simple interest contract. After reviewing the information, I found several payments that were made only went to the interest and nothing to the principal. If I paid a late fee that amount went to the interest as well instead of the late fee. I paid extra fees due to this error and GM FINANCIAL affected my credit with negative payment history when I paid. I have completed all payments due and now GM FINANCIAL is saying I owe another XXXX? Per GM FINANCIAL website, I have completed all 72 payments but the company is reporting I am only 83 % paid with now this new balance. I reached out to the company on XX/XX/2020 and spoke with a rep named XXXX for 2 hours and she said she saw the errors and reached out to her supervisor XXXX to correct it. I was told it will be fixed but I received a call the next day from a rep named XXXX who told me the balance was correct and I needed to tell GM FINANCIAL when making payments that I wanted certain amounts to be placed to the principal and interest.
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 and account number-XXXX
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to rectify this matter, the fraudulent entries persist, and I am growing increasingly frustrated by the lack of progress. It is disheartening to see that these fraudulent items continue to tarnish my credit report, despite my persistent efforts to have them removed. As a result, my financial credibility is being unfairly impacted, and I am experiencing significant stress and anxiety. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance XXXX {$710.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$120.00} ; XXXX XXXX Balance Owed : {$520.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities.

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account PXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I contacted Wellsfargo stated that the XXXX transaction wasnt me or mine they stated since it was my account basically it was my transaction
Product: Credit reporting or other personal consumer reports

XXXX Consumer Information Services have deliberately stopped updating my credit profile and denied me access to it since XX/XX/year>. I have made several attempts with the agency to correct all outdated and erroneous information they were reporting on it to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX or XXXXXXXX XXXX approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. 1 week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions. 

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I am composing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently familiarized myself with US laws . I am aware that, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I have the right to safeguard my privacy and medical records from third parties. It is important to clarify that I do not grant any third-party collection agency access to my personal financial information. While I acknowledge that HIPAA allows for limited disclosure of information about me, such details may only be disclosed with the patient 's explicit authorization. Consequently, my request comprises two aspects as outlined below :
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 



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  has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

My husband is XXXX XXXX XXXX. My apr should be 6 % the are charging me 36 %. They have also tacked membership fees for opening the account and several others. This is a violation of the military lending act. My account should be reimbursed the membership fees and the other fees tacked on. Also it needs to be corrected to the max of 6 %
Product: Checking or savings account

I opened a priority checking account on XX/XX/2020 online through Whitney Hancock which requires a {$10000.00} minimum balance to waive monthly fees. I initially deposited {$1500.00} and then did an transfer for {$8600.00} and did a deposit in from the Treasury Direct account. When I went to log into my online account on XX/XX/2020 ( which I had access to prior ) it said that my access had been suspended by an administrator. I called the customer help line where the rep gave me a number to branch located in XXXX, Florida and said someone at the branch suspended my account. When I called that branch they said they had no idea and no one from there suspended my account so they gave me the number to the XXXX XXXX branch in XXXX, Florida which was listed as my local branch. I spoke to XXXX that morning at the XXXX XXXX branch that said someone from loss prevention temporary suspended my account and she would contact them and call me back. The next day on XX/XX/2020 I still had not heard anything so I called XXXX again. She said no one ever called her back. I told her I would like to make an appointment to come in and close the account and she said my funds were frozen and it could not be closed but she would try to contact the individual at loss prevention again and would get back to by the afternoon. I never received a call. 

I have already transferred over {$10000.00} into the account and now I don't have any access to my funds. I have spoken to 3 individuals to try and get this resolved. Additionally, I never received any calls or emails notifying me that my account was suspended and under review and was not provided a reason for the review. I am beyond upset with the service I have received from Hancock Whitney bank and would like the account closed and my funds provided back to me immediately in the form of a official check that I can pick up at my local branch. I don't want to have to wait for a check in that amount to get to me through the mail.
Product: Bank account or service

I contacted Wells Fargo Customer Service on XXXX/XXXX/16 via phone from XXXX PST notifying them of a charge that was going to be making, a purchase with my debit card for {$4000.00} USD from a hospital in XXXX XXXX , because I needed immediate medical treatment or XXXX. I was XXXX with a life threatening issue and was seeking medical attention to save my life. Wells Fargo told me on the phone they would not allow the purchase even though I had sufficient funds in my account and a balance of about {$5500.00}. Wells Fargo refused to allow this purchase while I was literally begging them with my life to let the purchase go through. Literally, I am in the hospital waiting room XXXX and Wells Fargo would not let me access to my money. I explained all of this and the Wells Fargo Customer Service rep hung up on me and refused to let me access my money. I had thee hospital run the card anyways in desperation but it was declined. In XXXX XXXX hospitals do not just treat you, they require payment up front, it is not like in XXXX. I had to get into a taxi cab XXXX, take the taxi back to my living quarters, get a different debt card for a different bank, take the taxi back to the hospital and use that other card to save my life. Wells Fargo knows I frequently travel to XXXX XXXX, they have this information on file. I was using my account for small purchases regularly. What Wells Fargo did is beyond unacceptable. It was extraordinary that when a customer is on the phone, fully verified, with available funds, explaining the urgent and life threatening need to access to their money, and to be refused and hung up on. Wells Fargo should be put out of business for treating its customers this way. It is despicable. It is wrong. XXXX I could have died. To put a XXXX person through this ordeal should be criminally punishable. There was no excuse for the negligent handing of my phone call and XXXX on my life by Wells Fargo that day by refusing me to access my money to pay for my healthcare needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX Auto Account # 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 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
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  multiple times regarding incorrect information on my consumer report and they are refusing to update the information to accurate. I have attached an explanation of what has happened along with their responses to me. XXXX XXXX  has admitted that they are reporting accurate information when I have proven that they are not. I demand the CRA 's delete this information immediately and for XXXX XXXX  to stop reporting this account to the CRA 's this is the account ending in XXXX.