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

According to the FCRA congress accuracy is a measurement of value so if the information is inaccurate, it is in fact invaluable. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Inaccurate, Unfair, And incomplete information CREDITACPT XXXX  : XXXX # XXXX XXXX : XXXX # XXXX XXXX : XXXX # XXXX Please Remore from Credit Reprot
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I have not initiated any transaction with EXETER FINANCE LLCXXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with EXETER FINANCE LLCXXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Credit reporting

In XXXX of 2016, I discovered Equifax and XXXX re-inserted a previously deleted negative account XXXX back on to my credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I am demanding that they delete this item immediately.
Product: Credit card or prepaid card

I bought TWO XXXX but was charged for FOUR XXXX and I was charged for something I didn't buy. 

According to the attached XXXX XXXX XXXX XXXX statement, there are TWO charges of {$2000.00}. One is on XX/XX/XXXX and the other one is on XX/XX/XXXX. These charges are for FOUR XXXX when I buy only TWO XXXX. 

As of todat, I still have NOT received the purchase receipt yet. 
Is it too much to ask for a receipt? 

Several unsuccessful attempts have been made to contact both the XXXX, MN XXXX store and Apple card. I have no other choice but to report this to the CFPB. 
In the attached XXXX XXXX XXXXXXXX XXXX, XXXX statement there are two different amounts of refunds. 
The XX/XX/XXXX is for {$2000.00} and the XX/XX/XXXX is for {$2000.00} But in the same statement, there is a charge of {$2000.00} dated XX/XX/XXXX. 
From these two XXXX XXXXXXXX XXXX statements there are TWO charges of {$2000.00}, one refund of {$2000.00} - so the two XXXX purchased had been paid.

ONE charge of {$2000.00} and ONE refund of {$2000.00} - A NET OF XXXX. I need explanation on this one too.
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. 
XXXX. XXXX XXXX XXXX ACCT : XXXX XXXX BALANCE : {$190.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA XXXX. XXXX XXXX XXXXT ACCT : XXXXX XXXX BALANCE : {$370.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA XXXX. XXXX XXXX XXXXNT XXXX X BALANCE : {$450.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 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: Mortgage

This is to inform this office that Wells Fargo has lied to this office in its response. 

I am referencing the response that states " ... we have been unable to contact XXXX XXXX ''. 

That is a FRAUD. I have called on seven occasions. I have left messages. I have emailed. I was told by " XXXX '' who left a message I would have an answer by XX/XX/XXXX. I was told five times I would receive a call in 24 hours. That was weeks ago. 

This is abuse upon abuse. 

My equity was STOLEN my life destroyed. My health destroyed. 

I am demanding the CFPB enforce the order and force repayment of all damages and further punish them for LYING To this body. 

HOW CAN YOU ALLOW WELLS FARGO TO FURTHER ANUSE AND LIE AND STEAL?
Product: Mortgage

Ditech offered a " loan modification '' which I took advantage of and received a letter on XXXX XXXX, 2017, confirming my payment amount which did not change. On XXXX/XXXX/17 my bank, XXXX, sent a payment to Ditech in the amount of {$1300.00} which was the balance owed for the monthly payment since there was {$180.00} being held in suspense. The monthly payment is {$1500.00}. Ditech took it upon themselves to use this monthly payment toward " other fees '' which they NEVER said a word about to me! They MUST apply my mortgage payment to the XXXX payment and NOT charge me the late fee which they are now charging me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and a fraudulent XXXX XXXX XXXX was opened in my name. XXXX XXXX admitted the account was fraudulent and agreed to remove the tradeline in a CFPB complaint from last year. 

The account is still showing in my TransUnion report and they have ignored my repeated disputes
Product: Debt collection

I recently started using XXXX XXXX  and noticed an account placed in collections with MRS BPO from the original creditor XXXX XXXX. I closed an account with XXXX XXXX about three and a half years ago. I was never given any final bills or notices about amounts owed other than what I received in my email as I was enrolled in paperless billing. I was NEVER given notice that this account was placed with MRS BPO and only found out about it due to the credit monitoring site. I have no contact information for the company and was not given instructions on how to dispute the debt. I attempted to contact the original account holder ( XXXX XXXX ) and was unable to obtain copies of my former account statements or get any information about the debt. I have no idea what these charges would have been for and was only given a phone number for MRS BPO by the XXXX XXXX agents. They told me to call XXXX to speak with another " department '' about the account. I called the number during the stated business hours and reached a recording stating they were closed and to call back during regular business hours. MRS seems to be a 3rd party debt collector and my credit score has been negatively impacted because of their reporting on a debt that I was never notified about and do not even think is valid. This has been reported as a derogatory account for 5 months and I can not speak with anyone to get it removed/resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported my name is reporting inaccurate my address is reporting inaccurate, car loan from XXXX was never late its paid off on time! & its reporting as a missing payment, if youre furnishing information it must be XXXX percent correct not inaccurate 15 USC 1681 Sec. 602 My rights to travel to privacy 15 USC 1681 Sec. 604 A Can not furnish a account without my written consent 15 USC 1666B creditor may not treat a payment on a credit card, account under an open end consumer credit for purpose
Product: Credit reporting or other personal consumer reports

I have been contacting this bureau about inaccurate accounts on my credit profile. To date, I have not recieved any information for the investigation. Also, I have not recieve any proof or documentation that verifies that the debt belongs to me. I have listed the following inaccuracies below. 





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: 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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : 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: Debt collection

Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full.
Product: Bank account or service

Hello CFPB, On XXXX XXXX around XXXX I attempted to make an ATM withdraw at a XXXX ATM ( XXXX XXXX XXXX, XXXX, MA XXXX ). After being rejected by both ATM 's saying that my account had insufficient funds I assumed that something must be wrong with the ATM or an error with my Capital One 360 debit account associated with the card, as I had checked my balance earlier in the morning at it was slightly over {$700.00} dollars. When I checked my account later that night I discovered that an withdraw of {$700.00} dollars had been made at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX. I live in Massachusetts and did not make this withdraw so I immediately flagged the transaction and closed the debit card. 

Please let me know if there are any additional steps I should be taking to dispute this transaction. I have contacted the back associated with the debit card, Capital One 360, but they are closed for the holiday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent all bureaus letters about info that was wrong on my report. I have not heard from them and need these items removed. This incorrect info is keeping me from being able to take a necessary loan for my grandfather 's long term care and I do not have the time to wait until they get around to completing their investigation. I sent letters in XXXX and still nothing. I just sent certified mail this month so I can track when they get this one but this is ridiculous. These companies are playing with my family 's livelihood right now and I don't need the added stress
Product: Checking or savings account

I am attempting to assist a Client in opening a " cash '' account. Not sure if it considered a savings account or not. 

Wealthfront has made the process extremely difficult. We are unable to finish the process online nor on the phone app. They can't get documents uploaded. They can't verify the ID, which has been submitted multiple times and they don't have record of it. I am concerned because this is money for a minor and the custodian, who is my client, is trusting this new online app and they can't seem to keep proper records. 

I am not sure if there is a resolution other than allowing folks to finish the application on the website rather than the app to make it easier for certain people. Or to avoid the automated system that verifies ids and use a real person instead. 

We tried to use the app and the system still can not read the images nor does it have record of uploads. They have locked it and forced us again to wait for customer service, who has, in the past, been unable to assist with this problem because they don't have the tools to do it. 

We have attempting to open this account since Winter of XXXX and have more trouble than any other financial institution I have worked with. Which is numerous, both big and small. 

Furthermore, the client has listed me with Wealthfront as a " trusted contact '' for this cash account and the robo investor account and I have a legal power of attorney for activity and Wealthfront is refusing to communicate with me, which in turn is making my client more frustrated.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 plateform, 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

I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It has now been 30 days I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I noticed that there are still hard inquiries on my credit report
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE UNAUTHORIZED : CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX COAF 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 

I have contacted each company and each one has refused to provided me with the information they received that gave them authorization to run my credit. I asked what identifying information did they receive from my that gave them authorization to do this. Each stated it was done online. I advised it was not me and to remove this and they all refused. Some stated I would need a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Product: Credit card

I attempted to purchase a dating service from a merchant called " XXXX ''. The merchant charged {$3000.00} on my credit card and provided no service. The merchant claims there is a contract and the funds can not be returned. However, I did not sign any contract and requested the merchant to cancel the service. I informed Navy Federal Credit Union to dispute the transaction more in early XXXX 2016. It is now more than 50 days since the dispute was filed and the merchant has not responded. Navy Federal Credit Union is now requesting another 45 days for the dispute. From my understanding, if the merchant has not responded, the credit must be issued to my account by federal law. How long should this bank give the merchant? If another 45 days is allowed, we are looking at about 100 days total. It appears the bank is assisting the merchant to process a fraudulent transaction.
Product: Student loan

I called XXXX XXXX 's customer service several times on and prior to XX/XX/2017 to get information about repayment options for my student loans. Each time I have called, I asked if it was possible to decrease the amount I pay monthly or establish an income-based repayment plan. Every single time I have called I was told by XXXX XXXX customer service employees that there are no income-based repayment options. XXXX XXXX Customer service representatives have told me that I only have two options. According to XXXX XXXX, I must pay the amount XXXX XXXX sets or I must pay a fee to have my loans go into forbearance. Forbearance allows my loans to accrue interest and the forbearance fee is high. XXXX XXXX 's forbearance option is not a reasonable means of solving my problems. My XXXX XXXX repayment fees are too high every month and XXXX XXXX has refused to provide reasonable repayment options.
Product: Bank account or service

I am complaining about my key advantage checking account from Key Bank. I used a promotion code of {$300.00} bonus for opening this checking account and do not get the bonus. 
The {$300.00} bonus required {$1000.00} direct deposit and 5 online bill payments within 60 days from account open date. I met all the requirements, but Key Bank said I did not. The bank said my account open date is XXXX/XXXX/2015 and I met the requirements on XXXX/XXXX/2015 so I did not met the requirements within 60 days from account opening date, which I think is ridiculous. 
I did applied this account online on XXXX/XXXX/2015. But after submitting the application, I was told that the account was unable to be opened online and I had to open this account in a branch. 
Then I went to a KeyBank branch on XXXX/XXXX/2015, opened the account in branch. I made an initial deposit of {$50.00} which was posted on XXXX/XXXX/2015. 
I made the {$1000.00} direct deposit on XXXX/XXXX/2015. I made five online bill payments on XXXX/XXXX/2015 which are posted on XXXX/XXXX/2015. I definitely met the requirements within 60 days from my account open date XXXX/XXXX/2015!!!!! 
I went to a branch ( locating on XXXX XXXX XXXX, XXXX, OH XXXX ) on XXXX/XXXX/2015 to ask about my {$300.00} bonus. I was told I did not met the requirements since the account open date in their system is XXXX/XXXX/2015 and I should completed requirements before XXXX/XXXX/2015. It is ridiculous! My application was rejected on XXXX/XXXX/2015 online, I opened my account in a branch on XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect