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

On XX/XX/2023 I found two transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( three transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.
Product: Money transfer, virtual currency, or money service

Crypto.com should not be a legitimate business since they allow victims to suffer at the hands of scammers. I filed a police report when I was scammed on XXXX, truly believing I was talking to my friend and thinking I would make money using bitcoin through the crypto.com app. The police attempted to trace the money and crypto.com was not any help at all. The police concluded that the crypto app was a platform scammers used for money laundering. I have wire transfers from XXXX XXXX totaling {$83000.00} and XXXX XXXX was no help at all either. I have been trying to get both the bank and crypto.com to help me track my money and get it back but they said its all my fault. I have made multiple requests for help from crypto.com but they refuse to do anything for victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Discover Financial was paid balance in full. 
Afterwards, small balance reflected and gained interest and late fees. 
All information of balance, statements, and phone calls went to wrong address. 
In XX/XX/XXXX discovered credit score has decreased consequently.

Paid Balance to settle account but should not report late from XXXX on and impact my score as I have had no awareness of such a balance. 
I have attempted to dispute with credit bureaus four times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Student loan

I am enrolled in the SAVE program since XX/XX/2023. I have the letter proof from Federal Student Aid that I applied and was approved. Since XX/XX/2023 when loans went back into repayment. my amount was {$0.00}. Suddenly this XX/XX/2023 I'm auto charged for {$2200.00} without any information sent as to why it was increased or any information on my plan being changed. They changed my plan to Level Repayment plan without my consent as well or notification. I am still listed on the FSA as a SAVE repayment plan.
Product: Credit card or prepaid card

Capital One extended credit to me through an offer that I utilized to be granted a {$750.00} credit limit on a credit card account number XXXX. However, by the end of 2016, I realized that I could not afford the card and called Capital one to cancel the card through customer service ( i.e., an option offered in the original terms ). They refused to cancel the card! 

So, I tried to pay off the balance with the intention of having it paid off, and not using it would force them to close it. I was overcome by the continuous increments in monthly fees. The balance on the card ended up being twice the credit limit!!! By law, after XXXX days of non-payment the card was supposed to be charged off ( i.e., written off as a bad debt by the company. That would become a deduction for the company from the IRS. The debt was later charged off with excessive fees and sold to different collection agencies. Over the years, it is now with XXXX XXXX XXXX, XXXX. 

Capital one made a profit by charging off the debt. Then sold the debt and made more money. Meanwhile, not reporting the correct dates when the debt was charged off and sent to collections. By changing collection agencies, Capital one has kept renewing the debt beyond age. How does a {$750.00} credit line become {$1400.00}? I couldn't use the card but my fees kept going up. That is almost twice the amount of credit extended. That is theft! It is inaccurate and unfair. Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a hard inquiry was placed on my credit report by XXXX XXXX. I did not authorize or request any credit transaction, application, or service with this institution at the time of the inquiry. There was no prior communication from XXXX XXXX regarding this inquiry, and I did not take any action to initiate it. I am requesting that this hard inquiry be thoroughly investigated and removed from my credit report as it was made without my consent.
Product: Credit reporting or other personal consumer reports

# # # Equifax 609 Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX **Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX **Request for Verification and Dispute of Inaccurate Information under Section 609 of the FCRA** Dear Sir/Madam, I am writing to request a complete disclosure of the information in my credit file as per my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). Additionally, I am disputing the accuracy of the following account, which appears on my Equifax credit report : - **Creditor** : XXXX XXXX XXXX - **Reported Date** : XX/XX/year> - **Balance** : {$160.00} - **Credit Limit** : {$300.00} - **Account Status** : Open - **Responsibility** : Individual Account This account is inaccurate and does not belong to me. It does not appear on my XXXX credit report, which contains accurate information. 

Please provide : 1. Verification of the account in question. 
2. The method used to verify the account. 
3. Copies of any documents associated with this account. 

Enclosed are copies of my identification documents to verify my identity. 

Thank you for your prompt attention to this matter. Please respond with the requested information and correct any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of identification ( e.g., driver 's license, social security card ) - Proof of address ( e.g., utility bill )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

XXXX XXXX has the following in its possession 1 ). the approved forbearance letter from XXXX XXXX, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from XXXX XXXX that the mortgage was paid-in-full on XX/XX/2020 and 3. ) Equifax credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at XXXX XXXX on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with XXXX XXXX, dated XX/XX/2020. XXXX XXXX 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.
Product: Debt collection

The company in question sent me a copy of a loan so it looked typed not original headed paper. I queried what was sent and asked for the evidence of any payments made from my bank to the so called account. Again the company in question ACI have not responded correctly they keep asking me to log in and confirm my details. I try it then doesnt recognise me as I dont have any reason to have access as I explained the debt isnt mine. I have complained to the financial ombudsman who have said that ACI are to follow the regulations, which I believe they have breached. 
Example lying about not contacting me at my home and approaching my XXXX XXXX  and asking him questions regarding my so called debt. I said I have XXXX at my house and have you on the system at my home and knocking the door and then asking questions to a XXXX  not adult. They then said we have evidence too and would I like the copies. So I agreed, I then get an email saying sorry it wasnt your house it was someone elses. They basically were lying hoping I would back off. 
The company constantly contact through mobile phone / emails / text/ home visits yet they never have addressed the situation or proved anything to support their claim. 
This is a form of harassment and bullying I have sent several emails I have them all requesting they desist all contact and write to me at my home address so we can get this resolved. Its always ignored and the bombarding starts again. 
I have said to the company the debt they are chasing is according to their records 2016 ( XXXX XXXX XXXX ) surely statue barred now? I have also completed an official complaint again recieved and outcome letter which we still dont resolve. They basically said they can chase the debt by any means tested and are not doing anything wrong. Again they ignored the requests on the official complaint and just refer to what they should do or can do as a company. 

I have also been in touch with the financial ombudsman who are still looking into the company but have suggested I take it further with yourselves. The original company that assigned the debt are Perch capital they are not regulated. However ACI are the ones doing all the harassing and collecting so my complaint is against them. 
This has got worse over the past 6 months the stress on my mental health has been really and I on benefits and care full time for my XXXX child and had to give up work to care for him. 
This company have failed on many occasions to follow regulations and procedures. They do not follow the processes and are bullying people into making payments without evidence. I would like this to be look into I am also involving my local XXXX  as I feel they should know what these companies are up too.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime, a financial institution, for its failure to address a fraudulent account opened in my name on XX/XX/2023. I appreciate your attention to this matter as I seek resolution and protection from further fraudulent activity. 

The details of the incident are as follows : Fraudulent Account Information : Date of Incident : XX/XX/2023 The perpetrators used my real address and email address but provided a false name when opening the account. 
Credit File Status : My credit files with XXXX, XXXX, and XXXX are frozen, ensuring that traditional credit checks are required for any account openings. 


Chime 's Lack of Credit Check : Chime 's unique policy of not conducting credit checks with major credit bureaus allowed the perpetrators to successfully open the fraudulent account. 
Request for Account Closure : Upon discovering the fraudulent account, I promptly contacted Chime to request the closure of the account. 

Ineffective Response : Unfortunately, the response from Chime has been inadequate. While they removed the associated email address, the fraudulent account remains open, posing an ongoing risk of additional fraudulent activities. 
I am deeply concerned about the potential harm caused by this situation, and Chime 's refusal to close the account as instructed exacerbates the risk of further fraudulent transactions. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to ensure that Chime addresses and rectifies this security breach promptly. Additionally, I urge the Bureau to review Chime 's policies regarding account openings and recommend changes to prevent such incidents in the future. 

Enclosed with this letter are relevant documents, including proof of my identity, the fraudulent account details, and any correspondence with Chime. Your prompt attention to this matter is crucial in safeguarding consumer interests and maintaining the integrity of financial institutions. 

I appreciate your commitment to consumer protection and look forward to a swift resolution to this matter.
Product: Debt collection

I recently checked my credit file and discovered this company has reported that I owe them a debt. I have never received notification from this company prior to them placing this on my credit file.
Product: Credit card or prepaid card

This credit card company is corrupt I have a security alert which they refuse to verify me Im XXXX and they want me to got to a store when I cant XXXX this is discriminatory against the XXXX their is a very rude guy they tranfer me to XXXX they has he is the only guy to process credit card online applications For Neiman Marcus Im sick and tired of his lies he calls me and asks to speak with XXXX then he calls and asks to speak with me XXXX hes is crazy playing games
Product: Credit card

I am writing this to express serious concerns regarding Discover Card 's payment processing practices, which appear to be designed to generate excessive fees at the expense of cardholders. The American public. 
Specifically, there is evidence suggesting a pattern of delayed withdrawals from consumer accounts, resulting in " returned check charges '' of {$30.00} per transaction. This practice raises several troubling concerns : Financial Hardship : Delaying withdrawals can create a false sense of available funds, leading to inadvertent overdrafts and financial strain for cardholders. 
Inconsistent Withdrawal Periods : The absence of a predictable withdrawal schedule further compounds the issue, making it challenging for consumers to manage their finances accurately. 
Deceptive Fee Reversals : While Discover may reverse these fees upon request, there are reports of them reappearing on subsequent statements, indicating a lack of transparency and potentially deceptive practices. 
These concerns collectively suggest a pattern of behavior that prioritizes fee generation over consumer financial well-being. Such practices are not only harmful to consumers, but also raise questions about Discover 's compliance with ethical business standards and consumer protection regulations. 
I urge you to investigate these matters thoroughly and take appropriate action to protect consumers & the American public from unfair and potentially predatory practices by multibillion dollar multinational corporations. 
Thank you for your time & for all you do.
Product: Debt collection

BEEN SEEING THESE FRAUDULENT ACCOUNTS FROM MY REPORT AND THESE FRAUDULENT ACCOUNTS ARE STRESSING ME OUT. 
I WANT THESE TO BE PERMANENTLY REMOVE FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

In or around XX/XX/2021, I became a target of an intricate scam orchestrated by an individual identified as the " Professional Scammer '' ( referred to as the " Scammer '' ). This elaborate operation was designed with the explicit intent of robbing and defrauding unsuspecting individuals. Subsequently, a sum of XXXX USD was wrongfully transferred from my account through Cash App to the individual identified as the scammer, XXXX XXXX, utilizing Cash App 's services.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT : XXXXXXXX XXXX DATE OPENED : XXXX XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.
Product: Debt collection

I have medical insurance and co-insurance that covers my medical bills. I disputed this outstanding amount with the hospital and it was resolved. Upon checking my credit on XX/XX/XXXX, 2017, the collection was on my credit report.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX Balance {$360000.00}.
Product: Credit card

On XX/XX/XXXX, I made a payment of {$1800.00} against a balance of ~ {$1900.00} on my One Main Financial XXXX card with a credit limit of {$2000.00}. As of Thursday, XXXX XXXX, my available credit was only {$15.00}. Clearly this was a mistake, right? I had not only paid my bill early, I had nearly paid it in full. I called One Main Financial hoping to quickly resolve the matter, but ended up talking first to XXXX, then XXXX. I hung up before I got transferred to XXXX. Not a one of the stooges could explain why my credit line wouldn't be released until XX/XX/XXXX. Why? THEY HAD MY MONEY!!! WHERE IS MY CREDIT??? I depend on my card to buy groceries and food for my family. I had a transaction DECLINED ( very embarrassing ) because even after paying my bill early and nearly in full, One Main Financial decided it would be more fun to hold onto my money for a week so I couldn't take care of my kids. They way it works is, you pay your bill, you have access to your credit! What is with this rinky-dink operation? I have never experienced a more customer-unfriendly, useless " customer service '' department. They need to change their policy so that when you pay your bill, you have access to your card! And I would very much like an apology for the embarrassment I suffered with a declined transaction even though I had PAID MY BILL. If I knew then what I know now, I would never have gotten involved with this sham of a " bank. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX
Product: Credit card

My chime card was stolen XX/XX/2024 Claim Amount : {$3700.00} and Claim ID : XXXX with chime. i reported to them and tried to get my money back but they denied me after 2 business days they told me I would receive provisional credit back but they didnt give it to me. I even filed a police report. Still waiting on my money but no one has reached out to me so they decided to closed my account! Please help me out here
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX  XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On Experian this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 5 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX 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 ). Specially, 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 Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.