23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I received my latest credit card bill from XXXX ( an aviator XXXX XXXX XXXX  XXXX ) I was notified of an increase in my APR to XXXX. I have had this card since 2015. I pay the balance in full each month. I called XXXX and was told to contact Transunion.I attempted to get a credit report online from Transunion but was unsuccessful because I was timed out? My credit score is XXXX .Perhaps XXXX wants to drop my account since I pay each month in full. They charge XXXX $ a year for the use of the card. Such usury should be illegal if it isnt already. I suspect millions of consumers received a similar rate increase, many of whom are in precarious financial positions.Thanks for any help you may be able to provide.
Product: Checking or savings account

My bank ( Capital One ) has been having technical issues since Wednesday XX/XX/year> and now I can not access my account or see if my check was deposited. My work has sent out all payments and today XX/XX/year> is pay day. Everyone but me has received their pay. I live check to check and now I cant pay bills this week due to this happening. They are saying it might be dealt with on Tuesday or Wednesday being Monday is a bank holiday.
Product: Credit card or prepaid card

I purchased a NetSpend card on XX/XX/2020 and loaded XXXX cash onto it at A XXXX store in XXXX, Texas. I am travelling and needed to book hotel rooms online. Upon registering the card, I first got a message that said, your funds will be available but we will not accept direct deposits until you furnish verify your identity. I did not want direct deposit and I called the number on the back of the card, I went through a series of questions about my relatives, my former addresses and associates. My account was unlocked and I charged a hotel for one night on XX/XX/XXXX and the next morning, my account was locked and the funds in it were inaccessible. The Risk Manager department at Netspend told me it's because they could not confirm my identity. I already had on the phone as is their verification method that I am familiar with, this wasn't my first card with them, so they had a lot of information stored and I confirmed that with them through questioning. Since I'm traveling, I do not have my Social Security card with me and they told me that I will be REQUIRED to submit 3 forms of ID -1 state ID, one Social Security card and proof of address. 
The Social Security Administration office is closed due to pandemic to all in person appointments and I was made aware that the only way I can obtain a new copy of my SSN card at this time is by putting my State ID in the mail to the SS Administration. I can not do that. I can not be without ID and that's unreasonable and unsafe! 
I am now living behind a shopping center, I lost my job, because I could not appear due to my funds being frozen. All because NetSpend is denying that My Money is My Money ... Not theirs, mine! 
I am going on a crusade against NetSpend. A warning label should be put on their sealed package that states, " Warning, do not load this card if you need your money. '' If they want to now require people 's Social Security Card, they should be a proper bank and lending institution, then, they should be required to ask for that at point of sale ... Before loading money on to card!!!! 
I see they have done this to hundreds of thousands of people and were ordered by the courts to refund XXXX XXXX dollars to cunsumers that they have done this exact thing to a few years ago but they are still doing the exact same thing. You would think they would have changed, perhaps that XXXX XXXX was a drop in the bucket compared to what benefits they get through inflating their valuation. 
I can not even get home to get a returned check because, as I said, I am now jobless and penniless thanks to Netspend, I have lost my home and am in danger of XXXX. I have a good lawsuit and a video log off the harm and damage they have caused me. 
Under the statutes which govern who has the right to require a Social Security Card for ID, only employers and lending institutions fall under that category and they are neither. They are not even a bank Please please help me!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 and regulation E. Please actions have call significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries mentioned below be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX
Product: Debt collection

XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.
Product: Checking or savings account

I had fraud on my account, my bank is wells Fargo, i received information about my card being used without my permission so I logged in, looked through my statement and found fraud on my account so I opened a claim. i filed the claim on XX/XX/XXXX over 10 days had passed and the temporary credit wasn't posted to my account like wells Fargo claims they do so I just let it roll through, then my claimed was denied saying that all the transactions were valid because my pin ( personal identification number ) was used. I called wells Fargo and had to explain to them that I hadn't used my card and the person who was helping me kept saying that the research proved I was the one using it, then he said that I had given this person permission to use my card to make these purchases and that the bank wasn't responsible for returning my money the total amount on this claim is XXXX, then I had to file 2 more claims that instantly got denied the following day after filing them so here I am taking the next steps having to use cfpb to file a complaint hoping to get my money back because wells Fargo wont take responsibility for fraud on my account. and the employee who was on my call wasn't listening to me hung up on me because I kept saying that there was fraud on my account and it was their responsibility to take this further and return my money. then I had to further explain that after i did my own research to see what was used not every transaction was used in a store that some were used online where my pin ( personal identification number ) wasn't necessary so how could all the transactions be verified by my pin and his response was still they are not responsible.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX, XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of JEFFERSON CAPITAL SYSTEMS to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received an alert that an collection account was added to my credit report. I reached out to the company and they advised it was for XXXX XXXX i advised that that i never had this company before. Nor has AFNI ever sent any documentation to me informing me of any account. my information was used which is why i have an identity alert on my credit right now. this account needs to be removed from my credit report as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax 1 XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Fl / XXXX Equifax XXXX XXXX XXXX XXXX, Ga, XXXX Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal.

I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit report, I have discovered numerous unauthorized hard inquiries listed. These inquiries are negatively impacting my credit profile and may affect my ability to access credit opportunities in the future. 

Below is a list of the unauthorized hard inquiries along with their respective inquiry dates and the addresses of the companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of the companies listed above to access my credit information for these inquiries. As such, I request the immediate removal of all unauthorized hard inquiries from my credit report. If these unauthorized hard inquiries are not promptly removed from my credit report, you must fulfill your obligation to cover 50 % of the upfront costs associated with any arbitration proceedings, as specified in our agreement. 

These inaccuracies and unauthorized inquiries are affecting my creditworthiness and are not a true reflection of my financial history. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct these errors promptly. I have enclosed copies of relevant documentation to support my dispute. 

Please conduct a thorough investigation into the disputed information and remove the unauthorized hard inquiries from my credit report. It is crucial that the accuracy and integrity of my credit history are maintained to ensure fair access to credit opportunities and financial benefits. 

Please provide me with a written response within the timeframe stipulated by the FCRA, typically 30 days, regarding the outcome of your investigation. 

Additionally, I request that you inform all relevant parties involved in the reporting of the disputed information about the corrections made to my credit report. 

Thank you for your cooperation and adherence to the legal obligations outlined in the FCRA. I trust that you will handle this matter with the utmost professionalism and efficiency. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report address that do not belong to me or that I have never lived at. They continue to report my Name incorrectly. My name was changed by sealed court order to prevent XXXX XXXX. They are enabling this by contuing to report incorrect information. I have told them this. I have told them about the identity theft. I've faxed the police reports and FTC reports to no avail. 

My name should be listed as XXXX XXXX and only XXXX XXXX. 

My address should appear as XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX and Only XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These XXXX ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!
Product: Checking or savings account

I am filing a claim against the response to claim number XXXX. The report stated this was an authorized transaction. ( {$11000.00} was transferred by someone other than me to a bogus account opened in my name at XXXX XXXX XXXX  on XX/XX/2023 ). This transaction was not authorized by me, which I reported to US Bank Fraud Department on XX/XX/2023. As instructed, I reported this to local police department in XXXX, XXXX. The report was filed at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY, XXXX XXXX XXXX, XXXX, WY XXXX. The Report Number is # XXXX. ( I have requested a copy of this report. ) According to regulation XXXX banks are required to make the client whole if their money was stolen through an electronic payment initiated by another person. Further CFPB issued guidelines stating the law protected person to person on-line transactions. CFPB clarified all unauthorized on-line money transfers ( payment by someone else ) is the bank 's liability. 

This account was closed by me to avoid additional unauthorized transferson XX/XX/2023.
Product: Mortgage

I closed escrow in XX/XX/2021 and the mortgage company was XXXX and was making payments to them every month then on XX/XX/XXXX I received a letter from them saying they sold my loan to CMC Funding. I also received a loan statement with a coupon for my XXXX payment due XX/XX/XXXX and never received anything from CMC Funding for the XXXX payment so I went and paid XXXX for my XXXX payment. Then on XXXX the XXXX I received a statement from CMC Funding that I owed them for XXXX and XXXX and to make the payment by XX/XX/XXXX. Then I received a phone call from CMC Funding is I was making the double payment to them. I told the RUDE XXXX on the phone that I make the payment to XXXX on XX/XX/XXXX and to collect the money from them she said it will take 30-45 days to get the money from XXXX and couldnt I make the double payment to them. She said that the loan process wasnt closed until XX/XX/XXXX I said to her why dont they find out if the XXXX payment was paid to XXXX I know they had gotten my payment as the check cleared my bank account on XX/XX/XXXX so XXXX had my payment. Anyway I have NO respect for CMC Funding if this is how they treat NEW customers. I also wrote a complaint to XXXX  about the company
Product: Credit card or prepaid card

XXXX XXXX Credit Card & Home Depot Credit Card..Accounts was open due to Fraud & doesn't belong to me & i have submitted & FTC Report due to Fraud & are refusing to remove it from my Credit Reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not, will not, fix dispute issue on my credit report. The dispute involves XXXX XXXX XXXX XXXX I have advised XXXX XXXX and Experian they are confusing me with one of my adult children. I have tried to resolve this with no help from either party involved.My name is XXXX XXXX, XXXX XXXX XXXX, XXXX NV. XXXX, cell # XXXX
Product: Credit reporting

I had paid off an apartment collection from 3 years ago and sent equifax a notice to update the balance. They claim that they verified the balance however my letter show 's the account was to be updated and removed. They are liars and ca n't believe that they can just get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. I asked them for statement and they did not respond nor have they ever sent me a statement. and pay off and they never responded to that either. The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX  they are just stealing money and ruining credit. I have filed complaint /dispute with Experian as well. I belive this is XXXX going by a different name.This is a scam loan and they never report correctly.