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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having Random drops in my credit score! I have nothing change except paying off credit cards and my score will drop in upwards of XXXX points in a day. I realize that I do have some bad marks on my credit but the three agencies, who all use FICO 8, have the exact same information on them. I pay to monitor my credit daily. The variation between XXXX XXXX and XXXX XXXX is very large. I have no issues with XXXX as my score does not dramatically change. However, I would like to log a formal complaint against the other two companies, Transunion and XXXX. I have called them around XX/XX/2020 and have asked them to explain with the changes when there are no significant changes to my credit report and they say they cant. Now it is happening again with XXXX. In addition, when I ask them to look up the history they can not. I subscribe to each of there services to monitor. I think these are unfair practices as they cant explain their algorithm and do not keep history for accountability in scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2018 I receive a notice of a increase in a visa interest amount. the increase on the account was due to a bad credit score, they obtained the score from Transunion out of XXXX, PA. All information in this report is false and incorrect. I have kept all accounts current and in most case 's pay off the loan before it due time. the house was paid off 15 years ahead of note due date. All car loan paid on time and paid off on time or before due. Credit card XXXX limit owes XXXX of which will be paid off on XX/XX/2018 always on time never late. balance in checking account XXXX on main account AEP account XXXX savings XXXX plus more, XXXX loan on all real property .Value at XXXX other property value is excess of 150000. plus more.

Tran Union was contacted and they just blew me off and said Its not their problem because of false information they sent out. Well its there problem they are filing false for the public to know of and they should make it right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently there on my credit report looked at tonight on XX/XX/2022 there is credit card XXXX credit card in my name mind u me and my father have same name I'm the 2nd he's the first I am very upset that this is on my credit without my recollection and want to file fraud on this account would like to get it resolved
Product: Checking or savings account

I opened an HSBC advance checking account around XX/XX/2018 after receiving the Direct mail promotion which says if I deposit XXXX. I will get cash {$350.00} to my account. I deposit the money within several days I open the account. Now more than 3 months passed, I did not get the promised money in the promotion ads, which I think it is cheating ads from HSBC. I called the bank and I was told someone will contact me within 5 days. Now more than one week passed, nobody contact me.
Product: Debt collection

I am writing in regards to the collection with Portfolio Recovery. They are trying to collect {$940.00} for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, XXXX XXXX went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.
Product: Credit card or prepaid card

I placed an order for a white hoodie on XX/XX/2022 with XXXX. After a few days passed since the order was placed, I did not hear back or get any update, so I reached out to the merchant, who confirmed that my order was getting prepared. I received a shipment confirmation with a FedEx tracking number on XX/XX/2022. On XX/XX/2022, I received the notification that my package was delivered. As I live in an apartment building, I attempted to retrieve my package at the reception where all packages are delivered, but the concierge was unable to find it. After searching everywhere in the apartment building with the help of the staff who work here, I reached back out to XXXX explaining that the package has not been received, even though the tracking number was marked as delivered. I asked them to reach out to FedEx for information that could help to retrieve the order, but the answer I received was " We see that this order has been delivered on XXXX of XXXX. ". Since I was still not able to locate the package and the merchant was completely unhelpful and unprofessional, I opened a dispute via the Apple Card customer service. As far as I am aware, when a dispute is opened, it should be investigated to find out what happened, but this is not the service I have been provided. I've been told conflicting information by representatives about how and why the dispute was processed, XXXX agent told me that the dispute was initially filed as I claimed to have not placed an order? I am able to retrieve most of the correspondence with Apple Card support, and this was definitely not the case. The dispute was resolved in the merchant 's favor numerous times. Every time I reopen the dispute, it is closed with the same outcome without any investigation. I receive the same folder of " correspondence '' from the merchant including my order confirmation and tracking number, which according to this credit card company confirms that the order has been actually delivered? I am not aware of the merchant ever reaching out to XXXX, definitely not when I requested them to, I am also not aware of any claims that have been made, which can only be made by the sender. Based on the documents that I received at least 5 times regarding this matter, I am also not aware of any steps that were taken by Apple Card support or the merchant to file the package as missing through XXXX, so that it can be either found or refunded. The merchant also didn't reship the item. I will not pay for an item that I have not received, especially when all of my timely requests were ignored by the merchant and Apple Card Support. This matter could have been resolved if the merchant would have been willing to cooperate and to do their job as the seller and shipper of this item.
Product: Debt collection

XXXX charged for services that weren't working. I only have cable for hockey games and their XXXX XXXX app wasn't working for weeks and I was offered no credit or refund. Now I'm being reported to credit agencies by am aggressive debt collector ERC for refusing to pay the entire amount for their service.
Product: Money transfer, virtual currency, or money service

Subject : Affidavit of Victim of Bank fraud wire transfer, internet, telephone, during the period from XXXX XXXX to XX/XX/XXXX XXXX. Following meeting at XXXX XXXX XXXX on XX/XX/XXXX Summary : I was deceived and a sum of {$200000.00} was sent by fraud to XXXX XXXX on XX/XX/XXXX ( XXXX. XXXX ) from Discover Bank. The fraud case was reported by me on XX/XX/XXXX to my Bank XXXX XXXX, and to Discover Bank, from where the money has been transferred to a XXXX XXXX XXXX  XXXX On XX/XX/XXXX, the fraud has been reported to XXXX Police Department, case No. XXXX ( XXXX ) and advised by police reported to FBI XXXX XXXX XXXX XXXX CT, on XX/XX/XXXX. After XXXX months of investigation, the Discover Bank informed me ( Att. XXXX ) that the money has been lost and FBI closed the fraud case and eventually will call me, if something will appear. For me, I still have to pay taxes on {$170.00}, XXXX Capital Gains from my investment sold by fraud, and money lost.
Product: Mortgage

STATEMENT DATE XX/XX/2019 PAYMENT DUE DATE XX/XX/2019 LOAN NUMBER XXXX AMOUNT DUE PROPERTY ADDRES MR COOPER has not provided the funds described below. Closing was supposed to be finsihed in XX/XX/2019. 

Please investigate the issue funds due us at closing the loan. 

Where are the {$2200.00} funds that we have remaining? XXXX XXXX notified the title company that those funds where to deposited into our checking account ; they have not! Why? It has been going on for three weeks now. 

This shall be a complaint filed again to the Consumer Financial Protection Bureau ( CFPB ). Then we shall ask an attorney to file a claim in Superior Court of XXXX XXXX XXXX California! P.S. What is the problem??? 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX by Capital One is not updating. Three months have gone by and I have kept my payments on time and current with capital one why does my score stay stuck if all my accounts are current and never late. I have 3 accounts with capital one all in good standing. 
2nd the Venture is paid in full. How is it that capital one charged off this account after it was paid. It had a XXXX  balance.
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. 1.XXXXXXXX XXXX {$1000.00} has violated my rights. 5 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. your company has been reporting this account inaccuratly has failed to remove it from my report
Product: Debt collection

MIDLAND FUNDING, XX/XX/2017, {$3800.00} MIDLAND FUNDING, XXXX, {$1300.00} MIDLAND FUNDING, XX/XX/2017, {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$4800.00}
Product: Checking or savings account

I sent a check to a company XXXX XXXX XXXX XXXX in XXXX, GA. 
It was cashed by a XXXX XXXX with no identification at all. 
Check # XXXX Amount {$6800.00} I have contacted my bank as soon as it was found stolen. XX/XX/2023 as of this date and numerous phone calls to PNC my monies have not been reinstated. 
They allowed the money to be taken from my account and as of this date have not reimbursed my account. I am a 30 year business customer with them. 
NO ONE has called me back or given me any information. I have had to call them several times with no avail. I personally gave the check to the postal carrier, who deposited to the XXXX and it went to a XXXX XXXX XXXX So how could it have been stolen. 
And just now and I mean just now received a note from PNC stating it could take 120 days. I think that is awful and very unprofessional. 120 days!!!!
Product: Student loan

I received information from Gurstel yesterday XXXX/XXXX/XXXX trying to garnish my wages for a private student loan for XXXX XXXX XXXX. Per attorneys that I 've contacted there is a class action lawsuit against XXXX XXXX XXXX for their collection tactics and they 've been advised to stop all collection efforts on their private student loans until further notice. Gurstel has continued to harass me and try to collect. They are currently sending letters to my employer to garnish my wages. I am currently the head of household and this will cause a severe hardship for me. This loan is over XXXX XXXX XXXX. Please advise what recourse I may have with this company. They have added on {XXXX of interest on a XXXX  original loan. They will not accept any payment arrangements that I 've attempted to make with XXXX at Gurstel.
Product: Debt collection

I received an alert from my credit monitoring service that I have 2 collections placed by this company. I have never received any notices in the mail.
Product: Mortgage

I refinanced my mtg this past XXXX. At the same time I changed banks and got a new checking account number. I made XXXX XXXXXXXX payment on line with the new bank info and everything was fine. In XXXX I made the XX/XX/XXXX payment and it picked up the old account number and rejected. I called Rocket mortgage and explained error and they deleted the old account number for future and I keyed new info and made payment. Now they are charging {$20.00} fee for my error and will not refund it. I have been XXXX Rocket mtg for years. I, m XXXXXXXX XXXX XXXX  and they should have given the option to delete old account number when I updated the new account number.i hope you can help me with this issue. ..Rocket Mortgage # XXXX
Product: Checking or savings account

On XX/XX/XXXX, my credit card account with USAA was closed by USAA without any warning or reasoning. I called trying to figure out why my account balance was showing XXXX when I only had half of my limit used and had just made a {$1500.00} payment to that card. I called them to figure out what was going on which was when XXXX, from servicing for credit cards department, proceeded to tell me that they had decided to close my account. Hearing this, I asked why ... she told me that they were not going to tell me why but it had something to do with fraud on that account. I responded saying yes I called about a month ago due to my card being hacked at XXXX with multiple XXXX cent charges occurring while I slept that night. The following morning I called USAA, reported the fraud, got a new card sent in the mail, and thought everything was ok. Thats the only thing I can think of that occurred fraudulent on that account ... so I asked her why am I being punished for someone else hacking my card?? She didnt give me an answer then proceeded to tell me that ALL my accounts were being closed including my checking and savings account and that I would receive a letter in the mail telling me I have 30 days. Continuing to ask why they are being closed and what I did wrong so I can avoid doing whatever it may be in the future, she kept stating that she couldnt give me that information. After that, I stated that I couldnt afford to pay off the full credit card amount within 30 days and asked what would happen if I didnt ... XXXX stated I would be sent to collections. I then asked to speak to a supervisor and she said she had no supervisor I could speak with. Finally, I got transferred to XXXX, in executive resolutions department, who was no more help then XXXX. Refusing to give any information to why they were closing my accounts. I then insisted on speaking to the CEOs office ... XXXX said they werent available and even if I spoke to them they wouldnt give me any information about why the accounts were being closed. Being a USAA member for 15 years and in the middle of a COVID crisis and out of work for 6 months due to the extended shut downs in my state I am in shock and emotionally incapacitated. Having limited funds, I cant afford to pay my entire balance off and start somewhere else. Especially knowing that this account closure will affect my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

I recently looked at my account and noticed a new account on my credit report. This account was open by mistake and the creator had closed this account. Please delete this account off my credit repost XXXX XXXX XXXX XXXX  {$360.00}
Product: Credit card or prepaid card

My dispute is with a Wells Fargo ( WF ) credit card. I established my WF account when I was XXXX XXXX XXXX and was a customer for nearly 8 years without complaint. In XX/XX/2020 I went in to a local branch in XXXX, FL with the intention of canceling my credit card with WF. I paid approximately XXXX dollars to close the account out with a XXXX dollar balance and closed both my checking and saving account and moved my primary credit card over to XXXX XXXX. About 8 months later, an apartment renter 's insurance company charged my WF card for about XXXX dollars for yearly renters insurance. I was assured that my WF card was closed when I went in originally in XXXX and as such, WF should not have been able to process the charge 8 months later.

Now, nearly a year and a half later I am still getting charged for this fraudulent use of my card for which the account was closed out in full and should not have been able to be charged in the first place. this has ruined my credit score, my other credit accounts have had their credit limits reduced due to this mistake and I am continuously being harassed to pay back WF over XXXX dollars in late fees. I have tried reaching out to WF multiple times and they have not resolved this issue. This is affecting my life years later and I demand that my credit score be restored to its original score in the 720+ range.
Product: Credit reporting or other personal consumer reports

I learned that my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive data, was compromised in the Equifax data breach. This breach, which affected millions of consumers, exposed critical personal information and put my identity at risk of fraud and misuse. 

I did not authorize Equifax or any other XXXX party to disclose my personal information, and I believe this breach violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of consumer reporting agencies. Under this section, consumer reporting agencies are required to maintain reasonable procedures to ensure the privacy and accuracy of consumer data and to avoid harm from unauthorized access or misuse. 

As a result of this breach, I have experienced significant concerns regarding potential identity theft, fraudulent accounts, loans, and credit inquires. I have had to take steps to protect myself, including placing fraud alerts, freezing my credit, and monitoring my accounts. Despite these actions, I continue to face anxiety over the long-term consequences of this breach. 

I request that the CFPB investigate Equifaxs practices regarding the breach, particularly their compliance with 15 U.S.C. 1681, and seek appropriate remedies for those affected. I also seek assistance in addressing any negative effects this breach has had on my credit and financial security, including ensuring that any erroneous information resulting from this breach is corrected and that I am not held liable for fraudulent activities caused by this breach.

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this breach. The report details the potential for identity theft and provides evidence of the steps Ive taken to protect myself. I am attaching a copy of the FTC report reference number XXXX for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ran by multiple financial services without my permission. XXXX XXXX XXXX; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXXg XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX 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: 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 against me.
Product: Mortgage

Its about receiving my monthly statements, they stop sending me my monthly statements XX/XX/2018 and they are saying the reason why is because i file for bankruptcy its been ten years ago so if that was the reason why did they send me statements all the way up to XX/XX/2018 I need a better answer then that i have file for bankruptcy so if thats the case then they are legally wrong.
Product: Debt collection

Received a credit card statement in the mail from First National Bank of Omaha XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/22 for a balance of {$1900.00}. My identity was stolen. This is not my activity. The representative on the phone was able to flag this as fraud and close this account. I do not know what becomes of that false charge or what happens next.