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

I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXXBalance : {$17000.00} ; XXXX XXXXXXXXBalance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$620.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} As required by XXXX U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I applied for home equity line of credit with BOA in XXXX. The underwriter requested XXXX  years of XXXX which we did not have as we were overseas ; however, we have documents in XXXX from our previous employer. The processor called us and said everything looks great but you have to reapply in order for the loan to work! We will move all of the documents you provided and upload them to the new loan. We agreed to reapply since everything looked good and they made it work. After reapplying the processor said that it was declined because I had to wait XXXX days before reapplying because it looks like a duplicate loan but after XXXX days you can reapply and we should be good. I waited XXXX  months and XXXX credit enquiries and false hopes. I now have to apply with a different bank but I have not been told by BOA why the loan does not work. I would like to dispute my credit enquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states " Consumer credit contract is any instrument which evidences or embodies a debt arising from a " XXXX XXXX XXXX '' transaction or a " financed sale* as defined in paragraphs ( d ) and ( XXXX ) of this section. '' In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 


I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. 2017. 


Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institution 's policy. Your company 's policy does not supersede federal law. I am demanding that all late payments are UPDATED to " PAID AS AGREED '' and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 


I am keeping a careful record of all correspondence-or lack thereof made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication
Product: Checking or savings account

Since approximately XXXX I have had an online checking account with Chime, which operates under the banking authority of XXXX XXXX XXXX. Around the dates of XX/XX/XXXX to XXXX of this year ( XXXX ) I deposited 3 checks using the mobile deposit feature within the Chime XXXX app. These checks were drawn on my investment accounts with XXXX, which had an available balance to cover the amount of the checks. I needed to move money to my Chime account in order to pay rent. The Chime app stated that the checks would be available by XXXX the next business day, and I made arrangements with my landlord based on that assurance. 

However, despite that, only an hour or two before the XXXX availability time for each check I received emails stating that Chime would not deposit them, and they didn't provide any information as to why, or what the problem is. 

This brings me to my main complaint : shortly after the above events, I tried to login to my Chime account to deposit funds via other means, and I received an error stating : Your account has been closed. If you think this is a mistake, please contact Member Services at XXXX  I tried to email that address earlier this month, but I did not receive any response. I received no notice whatsoever that my account was going to be closed, or even after it was closed. Nothing via email, postal mail, phone, etc. I was relying on the availability of my account to be able to deposit money and pay my bills online and via ACH, so this disrupted my life to a great extent. 

I filed a complaint with the FDIC against XXXX, who Chime uses as their banking provider ( case # XXXX ) regarding these issues on XX/XX/XXXX. XXXX sent the FDIC and myself a response stating that Chime would reach out and assist me with reopening my account, however that was not true. Chime never contacted me, and when I contacted them as well as XXXX about this, Chime replied stating that they would not reopen my account. So, XXXX lied to the FDIC in order to close the case.
Product: Money transfer, virtual currency, or money service

I went on the app that has all my banking information and sent {$520.00} to a family member in XXXX XXXX  in XXXX.The transaction was approved and a day later i got a message that they need the recepiemts ID from me.That was a XXXX  on XXXX I called waited over 40 minutes to get through amd asked why yhey need the recepoents ID from me when they can ask for it at the receiving end and if that was a requirement i shoukd have beed asked for the recepients ID before the process so I could choose to use another company.The lady hung up the phone and immediately I received a text mesage my tranaction was cancelled followed buly an email with norhing as to when my mkney will be refunded and how much and the liar scammer put that I cancelled the transaction.Really! After 4 days and then to wait another 10 days to get my money back IF it is refunded
Product: Mortgage

The bank that holds my mortgage, XXXX XXXX XXXX, is complicating the process of paying mortgages online. If you go to their website, XXXX XXXX XXXX, you can see that it is geared toward mortgage brokers. The login button on the site is in the upper right hand corner and reads " EASE LOGIN '' in an orange box. This login is for mortgage brokers, not borrowers. If you attempt to use borrower credentials, the login will not work. Instead, you have to scroll down to the bottom of the page and click " loan servicing '' in much small nondescript print to pull up the login for borrowers. I find this overly complicated and difficult to remember month to month.
Product: Debt collection

I had a bundled auto and renters insurance policy with XXXX XXXX Insurance.I paid the renters policy for a year and the auto was paid semi-annually. I relocated on XX/XX/XXXX There would be no need for a renters policy for a dwelling I no longer live in. XXXX XXXX Insurance has taken it upon themselves to auto-renew the policy. I paid them fully for my auto and renters insurance for the year of XXXX. They have been notified from XX/XX/ XXXX  of my address change.They have now sent me to Credit Collection Services for an outstanding balance of {$150.00}.
Product: Money transfer, virtual currency, or money service

I am filling a complaint with Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, which violate the Customer 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 the 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.Thes actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : BANK OF AMERICA XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Product: Checking or savings account

We have done business with Capital One for a long time and never had any problems .... until we did. My husband has been fighting with XXXX for his XXXX benefits following an accident that left him without the use of his arms. This process took 3 years. He was finally approved in XXXX, 2024. He was granted full favorable decision and back pay for the 3 years he couldn't work. Back pay was issued via check for {$49000.00} and we deposited it into our Capital One Checking account via ATM at the Capital One XXXX on XX/XX/XXXX. We knew that there would be a reasonable hold because of the amount. At most we expected 3 day. NOT 2 MONTHS! 
On XX/XX/XXXX we both received an email to call the bank, funds frozen until XX/XX/year> for suspected fraud. We finally were able to speak with a supervisor/investigator he said they couldn't verify the validity of the check. The {$49000.00} check from the XXXX Treasury. He said that he " knows '' the check is fake and we are committing fraud and threatened legal actions ... jail. I find it hard to believe that they don't have any way to verify this check. I used the online verification system on XX/XX/XXXX and I called the Treasury myself and the agent verified that the check was paid/funded on XX/XX/XXXX. The check cleared and still Capital One would not release the funds. After much fighting and getting help from our Senator the funds were made available. Fast forward to XX/XX/XXXX and I had a declined charge. Back on the phone with Capital One because the account is frozen... again. More fighting and the next day they were available ( no explanation or apology ). Fast forward to XX/XX/XXXX and the account is frozen again. I got on the phone with Capital One again, they were all very rude, accusatory and once again told us we were trying to commit fraud and threatened legal actions. I spoke with many people and everyone has a different story. They told us that my husband has to prove that he is XXXX to Capital One. One said the IRS told them it was fraudulent. One said they still haven't verified the check. The one that was paid/cleared on XX/XX/XXXX. Multiple phone calls, crying, begging and we can't access our funds. I can't access the funds either because it's a joint account. All the bills we paid are electronic transactions. This means they are all going to be declined and then we have the fees. It's really stressful. 
My husband 's first monthly benefit was direct deposited into the frozen account. 
This never should have happened. The accusations, the lack of professionalism, terrible customer service, illegal holds of fund 's for absolutely nothing. Capital One release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX is in direct violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) XXXX did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) XXXX never had a permissible purpose. I never instructed XXXX to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company
Product: Mortgage

We are currently in the process of a short sale. Unfortunately the lender 's inspector is making regular visits to our home and has stolen XXXX items from the home and continue to damage the property. Initially the locks were destroyed and now the garage door has been destroyed. It appears this individual is deliberately trying to further destroy our property every time we file a complaint about the damage to the property. The new buyer should not have to be responsible for repairing these damages because they were not there when she viewed the home and made an offer on the home. Every week we find some damage done inside of the home and the inspector is the only one with a key, besides my husband. This needs to stop!!!!
Product: Checking or savings account

I continue to receive mail from First Tech Federal Credit Union regarding an account. I have never openned an account with this union. I once received a mail stating I had an account with {$5.00}, I called to be removed from their mailing list and this stopped for sometime. However, I am not sure it stopped because of my call ( which there was no follow up as promised ) or because I moved. 

At the time of the call I lived in XXXX CA. I have since moved to XXXX, CA. I even received mail from them when living in another state. Even when submitting an opt-out request on their website I continue to receive mail from them.
Product: Vehicle loan or lease

My loan started on XX/XX/2024 and ended on XX/XX/XXXX of XXXX  due to my car being totaled. I signed a release on XX/XX/2024 with the insurance company to release the check to credit acceptance.I asked credit acceptance to send me a copy of my gap refund an my extended warranty refund.But they claim I don't have a refund.I only borrowed XXXX on my car an with the add on for extended warranty XXXX an XXXX for gap XXXX title an XXXX doc bring the total of XXXX of them XXXX I asked for the brake down on how they came up with the figure subtracting the gap an the warranty but never sent me anything, an they reported on my credit report that I was XXXX  days late on the loan an shows it was closed instead of say satisfied, so it show a delinquent on my report.I should have been given a brake down, insurance paid them off an I didn't even have to use the gap.
Product: Credit card

I noticed unauthorized inquiries on my report. Someone applied for something using my information. According to the FCRA, legally these unverified and unauthorized items must be removed immediately. All unauthorized inquiries listed : 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: Credit reporting or other personal consumer reports

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out XXXX XXXX XXXX and faxing it to the credit bureaus ) that you report to. XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX account XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, 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

XXXX XXXX XXXX XXXX XXXX XXXX  PHONE NUMBER XXXX XXXX XXXX XXXX HAS BEEN TRYING TO CONTACT ME ABOUT A XXXX XXXX ACCOUNT FROM XXXX. XXXX  WHICH I HAVE NOT EVER HAD WANTING TO GET FUNDS ( {$750.00} ) TO PAY OFF THIS ACCOUNT I NEVER HAD HE HAS ALSO CONTACTED MY SISTER IN LAW AND MY NIECE ASKING THEM TO CONTACT HIM TO FIND ME THIS IS HARASSMENT AND HE KEEPS TRYING TO COLLECT FUNDS FROM ME FOR A ACCOUNT I NEVER HAD I HAVE ALSO SENT THIS INFORMATION TO XXXX XXXX COUNTY DISTRICT ATTORNEY OFFICE CYBER FRAUD UNIT
Product: Credit card or prepaid card

I havent been able to use my eppicard prepaid unemployment card because there has been a fraud alert placed on my card without my knowledge or notification. I spoke with the ms unemployment office and they said there is no issue on there end that its an eppicard issue. When i call eppicard they say there is a message for me and for me to hold. Over the last two weeks ive waited on hold about 6 hours and still never spoken to a live representative. I have tried everyway i know to speak to someone at eppicard and get fraud alert taken off and get a new card or whatever needs to be done because i can not access  my money that i depend on and this has been a huge disturbance in my life. XXXX and XXXX are my contact numbers and XXXX is my email. Thank you for your help, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in XXXX  and was released to a XXXX XXXX and someone got a car in my name. 
and my credit report is perfect but I will not pay for a debt that is not mines.. 
Now I am trying to help myself. 

According to my XXXX  monitoring system this account open XXXX XXXX XXXX XXXX XX/XX/2020 XXXX original balances
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I HAD 2 ACCOUNTS-XXXX XXXX   BALANCE XXXX AND XXXX XXXX BALANCE XXXX WHICH LOWERED MY FICO SCORE 65 POINTS, HOWEVER ON XX/XX/2020. I HAD PAID BOTH ACCOUNTS BUT MY FICO SCORE ONLY WENT UP 8 POINTS. MY XXXX  FICO SCORE WENT UP 62 POINTS SO WHY IS THIS SO DIFFERENT.