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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Payday loan, title loan, or personal loan

XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. 

They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.
Product: Checking or savings account

I closed my accounts with Wells Fargo on XX/XX/XXXX. XX/XX/XXXX received a call from Wells Fargo informing me that my checking account was overdrawn. XX/XX/XXXX walked to nearest Wells Fargo Branch. The Branch Manager was busy so Bank Officer XXXX said he could help. I told him about the call I'd just received and asked if he could see what is happening because I closed my accounts on line and showed him the receipt. He said I have to do this in person. I asked XXXX to make sure my accounts are closed, since this was a Bank requirement that I did not know. He assured me he would. After over an hour and several calls XXXX said he was told that Wells Fargo had deposited other clients money into my account and they wanted me to pay it back. There is nothing more he could do and suggest I go to my Branch. I did so and met with XXXX XXXX and then with manager, XXXX XXXX, she made calls and the result was the same, I owe Wells Fargo because they mistakenly put someone else 's money into my account, and I must repay it. Unbeknownst to me, I subsequently found out that despite closing my accounts, Wells Fargo hade left them open. XX/XX/18 I received an e-mailed copy of a statement ( attached ) that showing 6 deposits made on the date XX/XX/XXXX that I closed my accounts. I have found Wells Fargo to be dishonest. There are several court cases in which Wells Fargo was charged and fined for similar offence. Wells Fargo is making me a defendant in a case I had nothing to do with. My only fault was not closing my account earlier than XX/XX/XXXX, and still they seem tobe governed by no law or Banking ethics. I need your help. n I have a court date on XX/XX/XXXX. Please help
Product: Debt collection

This company called LVNV Funding LLC is in Violation of 15 USC 1692f sec 808. This company is trying to collect on a debt from XXXX XXXX XXXX / XXXXXXXX XXXX XXXXXXXX XXXX XXXX am the Agent for this Pricipal. I have requested Validation of this debt per 15 USC 1692g sec 809 and what I mean by Validation of this debt I mean the XXXX XXXX the application that was signed by the Principal to open the account. I want to know who holds the Security now? I think this company is trying to commit Securities Fraud which is a Federal Offense can you please contact the XXXX  and have them open a case on this company that is trying to collect Federal Reserve notes on an Account that has already been paid in full and put a stop to the Fraud that Plaques our finacial system today. I think this needs to be reported to the Department Of Justice also.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.EDFINANCIAL XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my credit report, letting this company know that the accounts do not belong to me. the disputes resolution always come back so fast and just says the info has been updated. I have also requested to know how this company has went about to verify these accounts belong to me after the previous complaint resolution, where they stated that they verified all the unknown inquiries that i had on my report for vehicles and loans. i still have not got a response. Now i need to use my credit to purchase a few things and Im afraid i will get denied because my credit score has dropped at XXXX points since the beginning of this year. It also is not updating my credit balances from my actual accounts correctly and stating i have late payments when i do not and stating that i have delinquent, derogotory, and collection accounts accounts and i do not. The accounts ( XXXX XXXX ), ( XXXX XXXX ) and the inquiries from the previous complaint need to be removed. my actual credit accounts need to be verified to be made accurate and false late payments need to be removed. This situation is severely affecting my life and preventing me from things that i need.
Product: Credit card or prepaid card

I was issued a card by XXXX XXXX XXXX the same as I have been hundreds of times before. While trying to use the card online I accidentally entered the CVV code incorrectly 2 times. The third attempt I corrected my issue and entered the correct cvv code but the card was still declining. 

I contacted the support for this card at the phone number listed on their website. After speaking with an agent, XXXX, she advised me that when the cvv code is entered incorrectly 3 times the card is locked for 72 hours and there is no way for them to fix this issue. The only option is to wait 72 hours. 

Finding this answer unacceptable, as anyone could understand, I then asked to speak with a supervisor to confirm this policy. My main concern is that nowhere in any terms of service, FAQs or any other location was I made aware this would occur. This is information that should be provided to consumers considering the inconvenience and potential for abuse. 

I was then transferred to a supervisor, XXXX, who advised me this was not the policy and that the card was not locked. When I then went to attempt to use the card it declined again. The agent then advised me it was the merchant that was the issue and that the card did not work with this merchant. Since I use hundreds of these cards I knew that was not the case and advised him of this. He then advised me that the card was not locked, but the cvv code was locked and that was the cause of the issue. 

Since this is not how gift cards work I asked him to clarify and he advised me there was nothing they could do and I would have to wit 24 hours. Since this was now the fourth different reason I was given I asked for clarification and documentation on the actual reason and policy, but XXXX did not have an answer for me. 

This is an obvious situation of the card issuer attempting to save money and hurt consumers by hiring unqualified or poorly trained support agents which, with financial services products, should not be acceptable. This company needs to have a way to fix issues like this on their end. If any bank locked access to a customers money without any resolution other than waiting an indeterminate amount of time and did not publish any policy to alert consumers to the actual procedure, they would not be allowed to continue. 

I do not see why any prepaid mastercard issuer should be allowed any different set of rules. While I would hope this issue would be resolved prior to this complaint being addressed I would hope there is some regulation the CFPB can enforce to prohibit a company in this sector from these practices. I am writing not to fix my issue but to protect all future consumers from having this same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old accounts on my credit report. 10+ years old that are not valid and shouldnt be showing on my credit report. I have been disputing these for years but the credit agency isnt doing anything. 

Additionally. There are hard hits on my account for the past year that are not mine. Ive complained, no updates from them.
Product: Debt collection

In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, XXXX and XXXX. XXXX and XXXX contacted me and I provided my proof of payment. XXXX year later I was contacted by a legal firm, Gaba Law threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later Gaba has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

Gaba has also filed a credit default with the credit agencies which is false. 

As Gaba indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.
Product: Credit card

My credit Card for CitiBank N.A. acct # XXXX XXXX XXXX XXXX was sold to XXXX XXXX XXXX XXXXXXXX due to me filing Bankruptcy XXXX I have requested Statements for XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and both companies will not help with request.
Product: Credit reporting, credit repair services, or other personal consumer reports

shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$2000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX account. {$39.00} XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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

have been trying to close account forXXXX dollars and some change as per there web site able to c lose by web but cant log into accont they XXXX it and im not able to drive or have no way to go to branch i have sent letters and faxes demanding account closed and check mailed to me but all have went unanswered
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name incorrectly showing on my credit report. I called XX/XX/2021 spoke with man asking him to correct my name. He told me to send copy of DL and social security card with my correct name and a cover letter stating the issue and what I wanted and to sign and date the letter. This was done and mailed to the PO Box address the man gave me. XX/XX/XXXX I called Equifax to see why my name had not been corrected yet. Lady told me I first had to verify a few things. I gave this lady my name/address & SSN as well as my cell phone number. Lady then said I had to verify more things and proceeded to ask me for all of my past employers and all past bank cards/loans/department store cards etc ... .this went on for over five minutes and I became suspicious as Id never had to give anyone that kind of information or that much information ever. I felt like my privacy was being very violated so I told the lady this seemed wrong to ask me all that personal information and ask to speak with a supervisor. The lady then said they had not received my information that I sent on XX/XX/XXXX. I verified the address I was given to send this information to and lady said yes that is the correct PO Box XXXX I then told the lady I had never in my life used the name they are reporting on my Equifax credit report and its their error so they need to update to my correct name. Lady said to call back couple days. We hung up and I called different Equifax number to inquire if this was proper protocol when they verify a consumers information. Went over issue with man who verified a few things then said hold and call disconnected. I called back spoke with different lady about this issue she said would note disputed and my name could possibly get corrected from her noting the dispute on file and to call back couple days to see if they had received the information I mailed them. Basically this would entail me being on the phone another hour and a half to resolve nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian I had placed a credit freeze on my account. I need to lift it to apply for a loan and a credit card. I was unable to do so through their web portal. It said that I needed to send them copies of driver 's license, social security card and other ID via mail to get the freeze temporarily lifted, which I did. I did not hear from them but on the portal it showed the freeze lifted. However, the banks I applied to said the freeze is still there. I call at least 8 different numbers for the company and all of them roll into an autobot system that makes you enter a lot of information and then eventually hangs up on you. You can not get to talk to a human. Now I can't get a credit card or a loan. I may sue. for damages.
Product: Credit card

I ordered an item of XXXX and had it delivered to my home. I wasnt there for the delivery and asked XXXX where my order was. I got the runaround from XXXX for over a month, then filed a chargeback with AMEX who had also filed in favor of XXXX. AMEX has also given me the runaround regarding this purchase. If you look at my previous complaint on CFPB, then you will see AMEXs excuse was that they couldnt view the documents listed on their system. I will upload them again as PDFs but again AMEX is making excuses and refusing to do anything regarding the purchase. They keep referring me to XXXX about the purchase.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at XXXX XXXX and XXXX due to the recent XXXX data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX  Mistaken Identity Identity Theft I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX, XXXX XXXX, and Servicer, Seterus, Inc. have violated the Truth-in-Lending ACT Section 129C : 1411, 1412, 1414, that when issuing the Mortgage Modification to XXXX XXXX # XXXX and XXXX Loan Modification # XXXX, Seterus XXXX ; there is an apparent disregard for the " Ability-to-Repay Rule. As a result, I am paying the monthly mortgage, but do not receive credit to the credit reporting agencies. 

Property address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I am a authorized third-party on the loan, and Joint tenant on the " DEED. ''
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 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: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX  Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to screw over the consumer?