23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chime in retaliation closed down my Account due to my complaint about no access to {$1000.00} XXXX XXXX XXXX XXXX and demanded credit as per UCC 3-603. Also you must read chime Automatic savings account terms and conditions of agreement and also identify your program bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian alerted me of two credit inquiries on XXXX and one today on XXXX. One was for XXXX  XXXX XXXX for a credit card application with XXXX  XXXX. They have put a stop to it and will reverse it on my credit. However, the second one was XXXX XXXX  and i got one inquiry yesterday and one this am. I can not talk with anyone there but they provided me an email. I sent an email, but am awaiting a response. 
I am also concerned because earlier this year, someone attempted to collect unemployment under my name and ss #. I am concerned about id theft and how it will affect me in the future and want to do whatever i can to prevent this. They had my ss #, birthdate and phone number.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

FTC violations XXXX XXXX XXXX {$640.00} XXXX/XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6400.00} XXXX {$1400.00} XXXX XXXX Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$1400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>2024 XXXX  XXXX XX/XX/year>2024 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: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ].

I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off.

I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greately my consumer reports and life.
Product: Mortgage

Filled a complaint on XXXX/XXXX/2015 ( XXXX ) and have been trying to get a hold of my Personnel account Manager to find out status with No return Phone call on at least XXXX attempts ( unacceptable ). 
Today i checked the CFPB for a update and see a update was sent by Mail, which I did not get because they did not put my apartment number on my mailing address which they had at XXXX time but seemed to have miss placed that as well. It Should Be XXXX.Also My credit has been damaged by this and am requesting them to Repair this as well with no response at all. The problem they had was bigger than them saying insurance was not in place. that only came late in the conversations i did have with them and it was supplied to them. It does not explain why they said my payments were {$16000.00} per month and I was a month behind ( how do you explain that ). Requested at least 7 Times to talk to a supervisor or have one call me and that never happen. I can not even get my XXXX on the phone I know they record all theses conversation so there is a record of everything i am saying. I tried again this morning to contact my XXXX XXXX XXXX other agents are not allowed to handle your complaints and they are not available and no supervisor will ever call you back. Worst customer service set up i have ever experienced. I am requesting thru you to have my Apartment number of XXXX added to my address. Also to have credit agencies contacted and repair my credit.Maybe you can get them to respond.
Product: Checking or savings account

Wells Fargo has placed many overdraft fees on my account that were unfounded. I have notified the bank and they did not resolve the issue.
Product: Debt collection

There are two accounts in my file that have me as authorized user. I did not ask any body to be an authorized user.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX XXXX on XX/XX/XXXX Account Number ( XXXX ), an perosonal loan Opened XXXX XXXX XXXX on XX/XX/XXXX Account Number ( XXXX ), and an Auto loan opened on XX/XX/XXXX Account Number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. All of the aforementioned accounts, and inquiries are a result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of Identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the Accounts opened fraudulently and reported fraudulently the accuracy and legality of certain Accounts on my credit report. I am also exercising my right to opt out of your reporting services. The items in question are : Accounts : XXXX. XXXX XXXX  - Date Reported : XX/XX/XXXX XXXX. XXXX XXXX  - Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX - Date Reported : XX/XX/XXXX Inquires : XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX Legal Basis : According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As a consumer, I have the right to ensure that my private information is not shared without my consent, which is further supported by 15 U.S.C. 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Furthermore, 15 U.S.C. 1681, section 604 ( a ) ( 2 ) states that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer. I have not provided my written consent for the furnishing of this information, and any implied or verbal consent is hereby revoked.

Specific Accounts in Dispute : The listed items are being reported without my permission, which is against the law under 15 U.S.C. 1681c ( a ) ( 5 ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Additionally, these accounts are adverse items reported without my consent, violating my rights under the aforementioned statutes.

Conclusion : I am opting out of your reporting services as per 12 CFR 1016.7, which states that a consumer may exercise the right to opt out at any time. I expect their immediate removal and an updated credit report to be sent to me.
Product: Debt collection

I received a letter from Hunter Warfield dated XXXX XXXX, 2017 saying I owed them {$340.00} that they werre collecting on behalf of XXXX XXXX. 

I called them today but they only take calls during normal business hours. I sent them an email telling them I have no knowledge of such debt, have never had any interaction with XXXX XXXX and to cease efforts to collect such debt. I told them if I do n't hear back from them within 48 hours I would contact the appropriate authorities. 

Nonetheless, I want to start the complaint process now before this affects my credit.
Product: Credit card

Each month I schedule my Bank of America Credit card payment to be " delivered by '' the due date. For the past 2 months now, they have been charging me a late fee since their system is still processing the payment. If I do not call they will not refund me the fee which ends up costing me time from being able to work or spend time with my family. I am asking that this you instructed Bank of America to stop this practice as they may be collecting fees from people who do not realize for example many seniors.
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 violates 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 lost, and I seek appropriate redress for the these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:07/01/2018 Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$99.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX,, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I XXXX got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. 
There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry details
Product: Mortgage

I am having a very difficult time with Bank of America. I am trying to avoid a foreclosure. The problem that I 'm having is I can not communicate with anyone from BofA to get any status or information on my modification review. When I call in and type in my loan number it goes to voicemail # XXXX. It 's does not seemed to be an assigned voicemail. When I leave a voicemail nobody calls back. I 've called several different departments and they say only the assigned rep can give me an update. I do n't know if there is an actual assigned rep. I 'm very concerned. It seems my file is lost in the dysfunctional BofA system.
Product: Debt collection

I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cares act letter attached
Product: Vehicle loan or lease

The account is still showing negative on my credit report when it is well after the seven years that it should be reporting. There are two of them both from Capital One, One is Capital One Auto Finance, the other one is a Capital one credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with Experian. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

Experian had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore a consumers requests for the removal of the fraudulent information from my Credit Report. Again, I was a victim of identity theft and this is another CFPB compalint requesting to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I need the disputed items removed completely from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

i wired money from XXXX to XXXX  via citi but citibank froze my funds and didnt notify anyone. They asked for more information without explaining me my rights to privacy or what they will do with this information. I felt hopeless and inadequate. I then called Citibank ( it took 2.5 hours to get a representative on the line ) I called their wire department at XXXX i waited about 1.5 hours and then the XXXX  representative said I have to speak with an American representative for this information. She transferred me another hour wait. and then I was able to speak with XXXX Employee ID XXXX who only told me she needs to review the XXXX. 

She then came back on the line and then told me Citibank returned the money to XXXX  based on their request. THis is not correct. But anyways I still dont see my money in was not delivered not given back and my civil rights have been violated in every way because of their corrupted software. XXXX had the information, but Citibank erred many times. Their practices are against the Law. I can not think this is legal the way they treated me If it is then Its evident that I and all XXXX 's have to ride on the back of the bus as in 1950 segregation.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint on my own behalf to address an issue regarding incorrect personal information that are being reported on my credit record.
Product: Mortgage

We tried to modify our mortgage loan twice during the time between XXXX in person with two different offices but were told that we had never missed a payment so they would not do anything about it ended up we had to walk away from the house in XXXX. We put XXXX XXXX XXXX dollars down payment and another XXXX XXXX upgrades in the house which is located at XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX.
Product: Credit card or prepaid card

I have been paying on my Discover credit card without fault since opening the account in XX/XX/2012. it has and APR of around 19 %, recently dropped to 17.2 %. I've called Discover several times regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$420.00} ), and between 70-78 % of the monthly payment ( currently around {$300.00} ) is going toward interest! not 17 or 19 %, which is the APR. 

currently, I have a balance of around {$20000.00}, and with a minimum payment of {$420.00}, my most recent statement says it would take 40 years to pay off this account, and I would end up paying a total of around {$70000.00}. 

when I speak with Discover card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$20000.00} balance, paid at {$420.00} a month, with a 17 % APR, this shows an estimated payoff time of 81 months ( just under 7 years ), and with a total interest of around  {$13000.00}, so I would end up paying a total of around {$33000.00}, which is 2.5 times less than what Discover says, that is, {$13000.00} in interest versus {$50000.00} in interest. 

There seems to be some highly illegal action taking place here. I would like to be reimbursed for all of the years ( since 2012 ) that I have paid this astronomical apparently 75 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated.