23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt Collector, Investment Retriever 's has manipulated accounts that have been reported as Identity Theft accounts from my credit report and re-reported them multiple times on my credit reports issued by  XXXX ,  XXXX , and  XXXX . By slightly altering the original account information on file including account numbers and account names and dates certain accounts have been re-reported or duplicated to appear on my report as another account with a different negative status. The original accounts are in fact closed, but by altering the date info the accounts also report as newly opened accounts that are past due. The purpose of this decietful act is done deliberately to damage my credit reports. As a result there are accounts reported that do not even exist that are essentially replacing the accounts that have been reported to the FTC as being Identity Theft.
Product: Credit reporting or other personal consumer reports

I was XXXX on XXXX XXXX & entered the XXXX XXXX XXXX XXXX. I was released on XXXX upon my release I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows Affirm Inc. account # XXXX. This account is fraudulent & I have filed & provided a police report as well as provided a letter of incarceration stating I was locked up during the time the account was opened
Product: Debt collection

Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX  on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

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

Someone has been applying for loans using my social security number that I dont recognize. I have been getting emails from Explore Credit and phone calls about an approved application for a loan of {$800.00} with a 792.82 % interest rate paying back {$5800.00}. 
The banks routing number I do not recognize. 
Lender is WLCC lending located at XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score recently and noticed that there was a new collections account on my credit file. I expected a decrease in my credit scores with all 3 CRA 's. What I didn't expect was a XXXX point deduction in my Equifax credit score. So I called on XX/XX/2022 to try and resolve the issue and find out why this had happened. I was treated horribly and had to call back about the same issue several times, because I couldn't get any assistance from customer service that I needed. 
From XX/XX/2022 to XX/XX/2022 my Equifax credit score had been a steady XXXX. On XX/XX/2022 the Equifax credit score plummeted XXXX points to a score of XXXX due to the report of XXXX collections account. XXXX and XXXX XXXX Scores only dropped XXXX points. I want to know how this could happen from XXXX collections account? After recently being made aware of the Equifax Coding Error with their credit scores it truly concerns me that after repairing my credit to a reasonable score of XXXX this company would allow my score to get depleted beyond the standard deduction of XXXX points. My score is currently a XXXX, so I see they have added XXXX points back to my score, but where is the other XXXX points? My score should've been no less than a XXXX after a XXXX point deduction for the collections account. The other CRA 's only deducted XXXX points. Please note from XX/XX/2022 to XX/XX/2022 my XXXX Credit score gained back the XXXX points putting my score with them back to a XXXX. 
Equifax is hindering my ability to obtain any credit I currently may need to obtain to survive and provide for my family. The XXXX points that they've deducted from my score with them has under minded my plan and goal to rebuild my credit. This coding error that Equifax has claimed responsibility for has significantly affected more consumers than the XXXX they claim it only affected.
Product: Debt collection

On XXXX XXXX I did a consumer credit transaction with Chase ( credit card ). A few weeks later I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Chase, I sent them two documents. The first was a debt validation letter and a cease and desist. Even after Chase receiving these documents, I still received phone calls and emails in regards to paying this so called delinquent debt. These documents were sent via the XXXX on XXXX and was delivered on XX/XX/2020 at XXXX. The documents requested that Chase respond back within 30 days and they have failed to comply. Instead, they are still reporting inaccurate information to the credit bureaus and sending me emails about this alleged debt. Today I am contacting the cfpb to get this matter resolved as quickly as possible, as the information on my consumer reports are illegal and is damaging my reputation.
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 ( 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 card or prepaid card

On Friday XXXX XX/XX/2019, I got a letter from Capitol one showing I had an account with them with a {$1500.00} cash advance limit with them and a {$3000.00} credit card limit with them. 

Balance owed was {$0.00} Minimum payment was {$0.00} No invoice # on page. 
Account ending in XXXX Number @ Bottom of page : XXXX XXXX XXXX XXXX I called XXXX On Friday XXXX XX/XX/2019, @ XXXX XXXX  call lasted for 39 minutes. 

I asked for who I was speaking with and they would only give first names, if it really was their true name. They never gave me a full name, only 1 gave me a badge # if it is real. 

I spoke with : XXXX  but given no badge # XXXX Badge the badge number she gave me was # XXXX Document is included, 2 pages, both sides filmed. 

I asked for them to close the account, and asked for a confirmation # in which they would not give me one, and I was denied an answer. 

I asked for information of who opened this account, and was intentionally denied an answer. 


Xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx List of actions requested : I need to know Who opened the account under my name and information. 

I need a confirmation # the account is permanently closed. 

I need a confirmation that any and all correspondences to any firm or firms by Capitol One that affect my fica score or any other type of credit score be immediately reversed, and documents stating such be delivered to me by e-mail below. 

I need Capitol One to completely remove all of my personal and intellectual property from all their data banks, and I need a correspondence stating they accomplished such. 

Any and all information about who opened this account. 

I do not think my request is unreasonable, I did not open this account. 

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Thank you for your time and expertise XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Ca. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information has been compromised as a result of various data breaches, including the XXXX data breach, incidents involving the black web, and other data breaches. These breaches have put my sensitive data at risk and have the potential to result in identity theft and fraud. 

According to various laws and regulations, such as the Fair Credit Reporting Act ( FCRA ), organizations like Trans Union are required to take necessary steps to protect consumer information and ensure its security. The unauthorized access to my data through these breaches raises serious concerns about the security measures in place and the potential impact on my financial well-being. 

Given the severity of these breaches, I request that Trans Union thoroughly investigate this matter, provide me with information on any suspicious activities related to my credit report, and take appropriate actions to safeguard my information moving forward. As a consumer, I rely on Trans Union to uphold its obligations under the law and protect my data from further unauthorized access. 

I appreciate your prompt attention to this matter and look forward to your response outlining the steps taken to address the compromised information. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX I went to PNC Bank at XXXX XXXX XXXX to make a withdrawal of {$450.00}. 
My card was not returned and no money was disbursed. 
I made several attempts to address this issue with the bank. All I get is a change of agent and no word about my funds. 
The manager at the location said that a third party controls the ATM and he has no access to the camera above the machine or the machine itself.
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 Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX 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: Mortgage

I am a long term customer of Wells Fargo. Always make payments on time. My XX/XX/XXXX payment was short by {$40.00} as my school tax bill had a significant increase, which got by me. I immediately went to the branch to deposit the funds along with my XX/XX/XXXX payment. They agreed ... because I am a good customer to waive the penalty fee, but not the " insufficient fund fee ''. I am set up for auto pay out of my checking account for the XXXX of every month. I was told by the branch the account was brought up to date and all is well. I started getting phone calls about XX/XX/XXXX and XX/XX/XXXX payments still outstanding after the XX/XX/XXXX. I asked why they did n't withdrawal it from my checking account. I spoke to about XXXX people assuring me they understood and would fix the problem, but when I would ask for a confirmation number, they would not give me XXXX. I finally spoke to someone in customer service and was told my auto pay was shut down. I asked why would you do that, because that makes it hard to get my payment. Because the XX/XX/XXXX payment was late they closed my auto pay down. I am structured for a XXXX of the month withdrawal, I received a letter dated XXXX XXXX, physically received it on XX/XX/XXXX I had no idea they would shut me down, and I made my deposits, in good faith, that the funds would be withdrawn. They are charging me penalty fees and will not remove them. I feel as though a disclosure letter before XX/XX/XXXX should have been issued so I would have a heads up? The branch does not work cohesively with the call centers. They tell me everything is fine, when in fact it was n't. The servicing end at Wells Fargo is horrendous. Their recovery department is demoralizing and patronizing. As I said I am a long term customer with good history, I faltered honestly and I feel as though they essentially prevented me from making my payment and bringing the account up to date. I am reporting this to the CFPB in hopes that they agree a timely disclosure was not issued by Wells Fargo, to the customer, ( me ) informing me my auto pay was no longer in place. I thank you in advance for any courtesies you could extend to me regarding this matter. Basically, it was like a " runaway train '' I could n't catch up to, no matter how hard I tried. And believe me, I tried. Thanks again.
Product: Money transfer, virtual currency, or money service

Hello, I am still waiting for the company to reply to me. it has been two months now and I have not heard back from coinbase. I have money on the account but it seems, the company does not reply to customers. I am getting frustrated and who knows what might happen next. This lack of customer service to help customers was the same reason why a young investor on XXXX killed himself. These companies need to be held acc ountable. Coinbase is initiating the same pattern of no replying to customers. It is a US company and publicly traded company and needs to be looked into. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint as a natural person with rights protected under 15 USC 1681. My credit report has been violated by the consumer reporting agencies, who are also in violation of the Fair Credit Reporting Act. I demand that the following accounts be immediately deleted as I did not authorize the consumer reporting agencies to furnish them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following sections of the law have also been violated : 15 U.S.C 1681 section 602 A. guarantees my right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer report containing adverse 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 ) states that no person shall furnish any inaccurate information relating to a consumer to any consumer reporting agency.

Upon reviewing my credit report, I noticed multiple billing errors violating TILA 15 U.S. Code 1666 ( b ) billing error. These errors include : ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
The creditor did not notify me 21 days before with a statement, and therefore, there should be no late payments on these accounts. I demand to see concrete proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX If these accounts are not updated promptly, I reserve the right to seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission.
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 Date Opened : XX/XX/2021 Balance : {$26000.00} Charged off
Product: Debt collection

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. XXXX  XXXX, XXXX, Attorney General, and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

As submitted on XX/XX/2022 Consumer Reporting Agencies investigation did not address my complaint at all and in fact was not a thorough investigation at all. besides not addressing my original complaint of them violating*15 U.S.C. 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. not one person of interest or knowledge was interviewed or contacted including myself. A reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. in addition to the failure to a reasonable investigation they should be held to the subject of penalty which includes " Not complying with the FCRA can subject your company to statutory damages of $ XXXX {$1000.00} per violation. '' as per defined by the Fair Credit Reporting act. my original complaint is listed below with case numbers first. 

***complaint numbers : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX Original Complaint : In accordance with the fair credit reporting act the following account have violated my rights. XXXX15 U.S.C . 1681 section 602 A states I have the right to privacy Also *15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX Co Division of Child Support Account number XXXX XXXX ) XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Co account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
Product: Debt collection

This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX