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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit card or prepaid card

On XX/XX/19, I received an alert from my credit card ( capital One ) asking if I had made the following transactions. At a XXXX XXXX XXXX # XXXX for ( 2 ) purchases of {$310.00} each, and another XXXX XXXX XXXX # XXXX, in the amount of {$500.00}. I answered the text " NO ''. Then on XX/XX/19 I noticed that these charges were put on my credit card account, I called Capital One and asked why, they said that the merchant had requested payment for these charges. I asked Capital One to dispute them, and still the charges remain on my account. I received a letter from Capital One, saying that the investigation of the fraud had been resolved, I have attached a copy of this letter from Capital One. I also am attaching the charges that were posted to my Capital One account. I dont ' understand why Capital One pursues me to pay for these charges, I was not the one that made the purchases, on XX/XX/19. And this credit card has not been used by me to purchase at XXXX XXXX, I actually use another card from another bank, for those purchases. I would appreciate your office looking into this, and see if it can be resolved.
Product: Debt collection

Midland Credit Management XXXX XXXX informed me on XX/XX/XXXX that my debt [ {$470.00} ] with XXXX XXXXXXXX XXXX XXXX XXXX  came into their possession. On XX/XX/XXXX, my brother sent me a text message stating, MCM just called me asking for you. They asked for you to call them back XXXX
Product: Credit card or prepaid card

My issue involves WellsFargo Credit company due to them labeling me as deceased with no explanation. I want to say this error happened on XX/XX/XXXX. On XX/XX/XXXX, I contacted a Wellsfargo branch in person to submit a proof of life document, and called social security, in which I was told they had no indication of me being deceased and that they did not contact the bank. Basically, I have been given different dates on when my previous credit card will return to my account. 4 different occasions, I called the credit company and they would tell me wait until a certain day. That day would come or pass and I would be told a different date. Finally, I was transferred to their higher up on XX/XX/XXXX to be told they don't know why I was labeled as deceased and I would have to wait two more business days. I've been with this bank since I was a teenager for almost 14 years and I feel like they are being laxed and not completely honest with processing my documents to return credit card. I was in good standing with my credit card, and I'm even unable to get a new one because of their error. To know that Wellsfargo credit company does not have specific notes to why I was listed as deceased is disturbing and makes me feel that the process can happen again without them taking precautionary steps to ensure they have accurate information. This is another stress I have added to my life and I've tried getting help from them, to which they seem to be clueless.
Product: Debt collection

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. Again, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Product: Money transfer, virtual currency, or money service

Need PNC bank to connect my account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Was notified by XXXX XXXX ( XXXX XXXX ) that my XXXX score had dropped XXXX points via both Equifax and XXXX. XXXX Equifax customer support today- obtained my credit report online successfully. No adverse information was apparent on the report. XXXX agreed there was no adverse information and all accounts were in good standing ( the XXXX report was also clean and XXXX agreed there was no adverse information ). XXXX indicated there was nothing that could be done and no one at Equifax was authorized to access the information that may have caused the score drop. I asked to speak to a supervisor, he said he was the supervisor. I asked to submit a complaint, he offered to submit a *dispute*- I told him I didn't see anything on my report to dispute, the information appeared to be correct. I emphasized I wanted to complain, he said I would have to complain to CFPB ( which I understand is a violation of their obligations to investigate consumer complaints under FCRA ). This is apparently the only avenue I have to protest what has just happened to me and the devastating, inexplicable impact to my credit standing. Again, there is no adverse information apparent, nor can I imagine any that could be coming that has yet to be expressed on the report. How is it legal to do this to people?
Product: Credit reporting or other personal consumer reports

Disputed bankruptcy multiple times. Most recent was on XX/XX/year> also mailed Demand to comply letter and got no response from anyone.
Product: Credit reporting or other personal consumer reports

I opened my XXXX XXXX account for the first time in a long time and noticed that my credit score was atypically low. I usually have excellent credit and it is now average. Upon further investigation, I noticed that XXXX XXXX XXXX was listed many times over, across several credit agencies. I have never opened a XXXX XXXX XXXX card in my life. 

I spoke with XXXX ( ID Number : XXXX, Department direct line : XXXX XXXX XXXX ), from their Fraud department. He informed me that someone had opened an XXXX card in my name in XXXX and charged around {$4500.00}. I also noticed that on my credit report, my social security number is listed several times, as well as my email, as " compromised ''. To compound the issue, I just relocated to XXXX so I am limited in what I am able to do from here. I reported it as fraud with the company and now I am submitting reports with any agency I am able to.
Product: Debt collection

I tried to buy a home for the first time and was misled by a realtor, builder/seller, and a XXXX XXXX from Bank of America XXXX The bank 's attorney XXXX XXXX and his law firm XXXX for XXXX has unethically lied to me with misstatements of facts by falsely promising a compromise after I paid off this 30-year XXXX XXXX XXXX Mortgage in 3 years hoping to get my personal credit report repaired and my life back on track. 

This whole deal should have reversed by the bank long ago after I reported to the bank that the home was uninhabitable until the one-year warranty was provided and attended to but was not by the builder/seller, the realtor, or the bank. 

This is breach of contract, nonperformance by all parties involved except XXXX XXXX XXXX who fulfilled his duty, and went beyond the call of duty to help this bank, but the bank has not reciprocated any such assistance and now it is time for the CPFB to step in because I was just denied a new mortgage loan from XXXX XXXX because Bank of America refuses to help clear my credit report, which has been exacerbated by the bank 's attorney XXXX from XXXX XXXX firm in XXXX. 

There is some illegal activity in this matter that has nothing to do with me but is preventing me from enjoying my life, liberties, and protection of my property interests so I may pursue happiness with any more stresses that are not mine to endure, but the banks, the realtor 's, and the builder/seller to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX  XXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX ( XXXX )
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 consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XXXX of 2023, my son, an authorized user of my Chase Bank credit card, used his card as collateral to rent a moped in XXXX from a company called XXXX. He and his friend had a XXXX moped ride, returned the moped and paid for the XXXX rental in cash since they were leaving the next day and wanted to spend down their cash. They were told the moped was in fine shape and all was well. 
In XXXX of 2023, 5 months later, I got a charge for {$480.00} from the moped rental company, XXXX. I immediately tried to contact the company to find out what the charge was for but their phone, website and email address are no longer valid. Apparently the company is out of business and is in bankruptcy. A two-hour moped rental does not cost {$480.00} so I have no idea what they charged my card for 5 months after the fact. This is an obviously erroneous charge. A XXXX moped ride does not cost {$480.00} and why would they wait 5 months to charge it!? 
I tried to dispute the charge with Chase Bank. They initially told me the charge was fraud so I initiated a fraud claim. The fraud claim was denied on the basis that the card was presented to the merchant. I then was switched back and forth between the fraud department and the disputes department a total of 6 times over a two-hour phone call. Finally, disputes agreed to open a dispute claim. I was required to submit my dispute in the form of a letter mailed in via postal mail. I wrote a letter and sent screenshots of other consumers on the internet reporting that, in bankruptcy, the company was erroneously charging credit cards they had kept on file. 
This claim was denied because I could not produce a receipt showing that the moped ride had been paid for in cash. My son 's friend is still looking for a receipt or any proof that he paid in cash but it is really unlikely that a XXXX XXXX XXXX has saved a receipt for a XXXX moped ride for 5 months ( now XXXX months ). 
When I got the letter that the claim was denied I called disputes. I was told they could not contact the merchant and that it was a bank to bank charge and since I didn't have a receipt, they would let it stand. Ultimately I asked to speak to a supervisor. The supervisor was very rude to me. He told me that I was not a responsible consumer since I didn't have a receipt. He said that he'd saved every receipt for every purchase he'd ever made, an obvious lie. A ridiculous lie. I asked how long a company could save my card and charge it. He said forever and then he hung up on me. 
I would like help in recovering the {$480.00} I was erroneously charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm showing a charge off account on my credit file from XXXX- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact XXXX to make sure that they update my records with Experian, they have not update my file with Experian. Also, Experian continues to report this as late payment on my file. XXXX 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with Experian and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with XXXX and Experian and no luck. 

PLEASE HELP ME
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Capital One.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting or other personal consumer reports

I have disputed through transunion, XXXX, XXXX. It comes back accurate for this account through GM Financial. Account # XXXX. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting GM Financial to provide documentation and or contract with my signature on this debt and they have not responded. I will attach XXXX of the letters I have sent with this complaint.. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit badly. Thank you
Product: Checking or savings account

I have been a USAA member for 26 years ( my family, much longer ). I do a significant amount of business with USAA including checking, savings, home mortgage, home owner 's insurance, and 2 automobile policies. 

My wife and I live in XXXX. Back in XX/XX/XXXX-XX/XX/XXXX, we traveled to XXXX for a fun, short getaway. While staying at our hotel, my wife got a fraud alert from USAA about a sudden string of suspicious transactions from a merchant called XXXX. The transactions appeared to be for prepaid calling cards or something like that. Nobody in our household speaks Spanish and we have absolutely zero contacts in XXXX. Obviously not our charges. As we would expect of any bank, USAA was able to stop the pending charges and reverse the ones that had gone through. 

THEN, XXXX, we got a letter from USAA that although their " fraud analyst '' had concluded the other charges were indeed fraudulent, they somehow determined that ONE of the charges for {$20.00} was valid, and they were now deducting that from our checking account. This made NO sense to us -- why would they reverse all the other charges and not this one? 

Within a few days we got paper mail purporting to provide " matching information '' provided by the merchant that was purportedly provided as part of the transaction. However, the only " matching '' information I could find in the documents they sent us were things like name, address, and CVV number on the front of the card -- all the types of info that anyone with access to our personal belongings could have gotten. 

I spent another 2 hours after work today talking to various members of the USAA " executive resolution '' team. The executive resolution member I spoke with today was talking to the fraud department on the other line, and relayed info back to me that an additional piece of matching info on this ONE charge was some sort of " IP number. '' They could not explain what the " IP number '' meant and said it might be a smartphone or our personal computer. When I asked the phone rep to point me to that piece of info, she could not locate it. There is one page in the info they sent me with a very, very tiny blob of illegible text, that is so blurry I could not read it even with a magnifying glass. 

She transferred me back to the fraud department, who could not provide ANY info except for the merchant phone number. I tried calling the merchant and it was entirely in Spanish. We do not speak Spanish in our household and I refuse to try and it should be USAA covering me and let them contact the merchant if they want to. 

Although this was just a XXXX dollar charge, as my wife pointed out, what happens if next time it 's THOUSANDS of dollars? 

This has been so incredibly frustrating I can barely stand it. I hate to give up my membership and move my accounts to another bank, but I am prepared to do just that. I am now invested emotionally in this and I will not give up until I have resolution.
Product: Money transfer, virtual currency, or money service

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

I attempted opened a Citi bank account on XX/XX/2021. They closed my account immediately after receiving a direct deposit due to fraud. They would not or could not tell me what the issue was. I banked with this bank before, and my account was compromised. I called then to solve the issue, and the account was closed due to fraud with absolutely no help to me or my personal info that had been compromised. Since that has been a few years, I figured they may have gotten better as a bank and decided to give them a second try. Well, I guess I should have thought twice about it. Because here it is a month later and I am still getting text alerts that money is still in a account that I can not use or have access to. I called about this the first time around XX/XX/2021 and was told that they are closing my account and will send my money by check in the mail. After constantly receiving these text alerts, I have yet to get my money. On XX/XX/2021 I decided to call again. They asked me questions to get into my account. I answered everything. My mothers maiden name, my full social, and my full name. They said my info was incorrect! Like I could really mess up my personal info! Smh! So they wouldnt allow access for info unless I had a debit card or account number. Which I shredded after being told the account was closed. Thank XXXX I screenshot the account info when I first opened the account, because if not, I wouldnt have gotten anywhere. He goes into my account and says its a fraud block on the account and it says its being processed to be closed. Considering the fact the account wasnt open a week, Im not understanding why its taking so long for this account to be closed. At this point Im asking if there was anyway I could upload a picture ID along with my social security card. I was told no. This is ridiculous and I am not understanding how a bank that claims they want to make sure theyre customers are taken care of, arent being taken care of. First of all, how are you holding someones funds that came from a direct deposit? Make that make sense! I can not believe I am going through this for a little {$200.00} that I forget about until I get the daily text alerts around XXXX.