23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX  - Acct XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX- Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Bankruptcy - XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

There are several inaccurate addresses my address is XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX and so forth
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts don't belong to me. Account XXXX XXXX  # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX  # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your attention in addressing the fraudulent items within my file resulting from an alleged fraudulent activity. However, there remain additional items requiring removal. This complaint serves as a formal request to rectify the inaccurate information present on my credit reports. Enclosed are my personal documents and FTC Report # XXXX for your review. Below, I have delineated the inaccurate information by bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I respectfully urge the removal of these listed addresses from my claim. I request the immediate deletion of the aforementioned inaccurate addresses. Additionally, I request the issuance of a corrected copy of my credit profile to the address provided. Pursuant to Fair Credit Reporting Act Section 605B ( a ), you are obligated to remove any items opened without my knowledge, consent, or authority within four business days, upon receipt of ( 1 ) appropriate proof of consumer identity ; ( 2 ) an identity theft report ; ( 3 ) identification of the disputed information by the consumer; and ( 4 ) a statement from the consumer affirming that the information does not pertain to any transaction by the consumer. Thank you for your attention and cooperation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balanced : {$0.00}
Product: Checking or savings account

While on a XXXX cruise I was double charged on my debit account leaving me with a XXXX debt I have disputed several times leading to my bank account being closed and in debt
Product: Credit card

On XX/XX/2023, while in the process of booking a flight through XXXX XXXX, I was presented with an enticing offer to apply for a Citi AAdvantage credit card. The advertisement was clear : apply for the card, and upon approval, use it to complete my ongoing flight booking to receive {$250.00} in statement credits and XXXX miles after spending {$2000.00} in the first 3 months. On the application form, it stated : " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately '' Trusting these explicit terms, I paused my flight booking to apply and was subsequently approved for the card. However, the company 's system failed to RELIABLY provide me with the promised account number. Citi responded saying that it was my fault because I walked away from the computer, but THEY DID NOT ADVERTISE THE TEMPORARY NATURE OF THE PROMOTION IN THEIR TERMS. When I sought a resolution from Citi 's customer service, they refused to regenerate or retrieve the number, stating it was a one-time display. I also requested this policy in writing for further clarification. This key limitation was neither disclosed in the promotion nor covered in the terms and conditions. Because of the company 's failure to deliver on their promise and their unwillingness to rectify the situation, I have missed out on the benefits of the promotion and incurred an unnecessary credit inquiry that has negatively affected my credit score, as well as a lot of time trying to resolve this situation.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on 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 I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to Document the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and assistance.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit file. The following inquiries do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 and also violated compliance procedures under 15 USC 1681. 

Account name : XXXX XXXX XXXX/ XXXX XXXX Account # XXXX has violated my rights. 
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.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i have attached the reports showing that they arent accurate after they said they did there investigation.if an investigation took place like that said why are they still inaccurate
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I contacted Capital One on XXXX/XXXX/16 to settle my account which was past due. I informed them that I could pay my balance if they could remove some past due fees in order to keep the account current and active. I mentioned that I had problems paying because I was recently laid off. They agreed and I paid my full balance. 

However, they did n't inform me that my account was already closed and that there was no way to re-open it. Had I known this, I 'd have agreed to a payment plan instead. I relied on my Capital One account to be active and in good standing since I was still recovering financially. Now, I have a closed account that only reflects my past due balance on my credit report. Plus, they refuse to open a new account with me even if I agreed to another security deposit.
Product: Debt collection

XXXX  XXXX is on my report as closed derogatory and its under collection through portfolio agency this account should not be affect my score double. The amounts are different on each of them. This is fraudulent activity. 
This account is on my report twice negatively
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Failure to Address Fraud : Cash App failed to take timely and effective measures to prevent and address fraudulent activity on their platform. Despite notifying them of suspicious activity on my account, they did not provide adequate assistance or implement sufficient security measures to protect my funds. This negligence left my account vulnerable and resulted in financial loss. Unfair and Deceptive Dispute Resolution Process : When I reported the fraudulent transactions, Cash App 's dispute resolution process was neither fair nor transparent. Specifically : They failed to comply with the error resolution requirements outlined in EFTA and Regulation E, which mandate a thorough investigation of reported unauthorized transactions. They provided vague or inadequate responses to my inquiries, leaving me without clear information about the status or outcome of my dispute. Their process created unnecessary delays, causing additional financial and emotional distress.

Significant Financial and Emotional Impact : As a result of Cash App 's failure to comply with federal laws and provide adequate customer support, I have suffered financial losses, significant inconvenience, and emotional distress.

Relief Sought : I request that Cash App : Fully reimburse the financial losses caused by their failure to address fraud and comply with error resolution requirements.

Provide compensation for the inconvenience, time, and emotional distress caused by their inadequate handling of my case.

Implement stronger fraud prevention measures and ensure compliance with CFPA, EFTA, and Regulation E to protect customers from similar issues in the future.
Product: Student loan

PLEASE HELP ME!!!! NAVIENT/XXXX HAVE LIED TO ME, TRICKED ME ABOUT INFORMATION REGARDING MY STUDENT LOANS. THEY SAID THEY DID NOT RECEIVE MY PAYMENTS AND WHICH THEY INTENTIONLY CAUSED MY LOANS TO DEFAULT. THEY SENT A GARNISHMENT WITHOUT TRYING TO CONTACT ME REGARDING THESE ISSUES AND CALLED MY JOB TO TRY AND EXPEDITE THE GARNISHMENT WITHIN A 10 DAY PERIOD. I DO NOT TRUST THESE PEOPLE AND UNDERSTAND THEY ARE BEING SUED FOR THESE REASONS. THEY ARE VIOLATING THE LAWS IN EVERYWAY POSSILBE. I TOLD THEM NOT TO CALL MY JOB AND THEY CALL ANYWAY. I TOLD THEM THAT I WAS GOING TO REPORT THEM SO THEY GOT MADE AND STARTED CALLING ASKING FOR THE HUMAN RESOURSE DEPARTMENT AND THEY TOLD THEM TO SEND WHATEVER THEY WANTED IN WRITING TO THEM. THEY TOLD ME THE GARNISHMENT WOULD GO AWAY ONLY IF I CONSOLIDATED ALL OF MY LOANS WITH THEM WHICH ALREADY SHOWS ON THE NATIONAL STUDENT DATA REPORTS THAT THEY THEMSELVES HAVE CONSOLIDATED ALL OF MY LOANS WITHOUT MY PERMISSION. I DO NOT TRUST THEM AND CAN CHOOSE TO CONSOLIDATE MY LOANS WITH OTHER LOAN SERVERS OR WITH THE BANKS. 
PLEASE REPORT THIS COMPANY BECAUSE THEIR CUSTOMER SERVICE REPS TAKES THINGS PERSONAL WHEN SPEAKING TO THEM AND WILL TRY TO MY THREATS TO YOU WHEN YOU TRY TO DEFEND OR DISCUSS YOUR LOANS BY TRYING TO MAKE THE NECESSARY PAYMENT ARRANGEMENTS. I KNOW MY RIGHTS AND I KNOW THAT THERE ARE MORE OPTIONS AVAILABLE. PLEASE REPORT THEM AS FRAUD AS THEY HAVE ALSO SUBMITTED A GARNISHMENT TO MY EMPLOYER BUT THEY ALSO HAVE REPORTED TO THE DEPARTMENT OF TREASURY TO OFFSET MY INCOME TAXES WHEN I FILE THIS YEAR ( HOW?? ) WHEN THEY DID NOT TRY TO ALLOW ME TO MAKE PAYMENT ARRANGEMENTS WITH THEM AT ALL!!!!!
Product: Checking or savings account

Got a letter stating that my account would be closing due to insufficient activity or information. Stated to call to prevent from closing. When I called they told me it's already closed and Chase wont give any other information. When I asked why they wouldn't tell me. I tried logging in online but it says its locked for fraudulent activity. Asked them about that ( account hadn't been funded yet ) and they wouldn't say anything other that I have to find another banking institution. Seems very shady that bank wont even give me legitimate reasons why my account was closed especially when they have my personal information.
Product: Money transfer, virtual currency, or money service

I had a linked PNC checking account with XXXX. The link was cancelled with no notice to me leaving me with no access to my funds in my XXXX account.
Product: Debt collection

I was routinely checking my credit report and noticed that I had a balance from a collection account in the amount of ( {$530.00} ) from creditor TRANSWORLD SYSTEMS being collected by XXXX XXXX. I contacted both in order to try to get the collection removed. TRANSWORLD said they have no account anymore and are not collecting the balance but it still shows on my report and is negatively affecting it. I am furthermore concerned about my information being in the hands of criminals. XXXX XXXX advised me to report identity theft/fraud through the FTC and file a police report so legal action could be taken and the collection could be removed from my reports. XXXX XXXX informed me that the account was created at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX under the account number XXXX. These criminals also have my father 's information which is very concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened fraudulently using my personal info. This was not authorized by me.
Product: Credit card or prepaid card

I JUST NEWLY DISCOVERED THAT SOMEBODY HAD ACTUALLY INTERCEPTED MY APPROVED XXXX CLAIM FUNDS AND AT THE TIME I WAS HOMELESS AND GOING IN BETWEEN SHELTERS AND AND IN ANYWHERE I COULD STAY REALLY AND MY MAIL HAD BEEN INTERCEPTED WITH THE CHANGE OF ADDRESS TO SOME UNBEKNOWNST PLACE THAT I'VE NEVER EVEN DEALT WITH I DON'T UNDERSTAND WHY NOW I'VE REPORTED MY XXXX AS FRAUD AND I'VE TAKEN ALL THE NECESSARY STEPS BEING AS ALL I'VE PLEASE REPORTS I'VE GOT A TRAILER OF DOCUMENTS SHOWING THAT I'VE LOST ACCESS TO MY EMAIL AT A PERIOD OF TIME BECAUSE I WAS I GUESS HACKED IF YOU COULD SAY I DON'T KNOW WHAT THEY DID TO GET MY EMAIL AND THEY STOLE MY PURSE EVERYTHING IN MY WENT MISSING WHEN I WAS HOMELESS AND NOW I'M NOT ABLE TO RETRIEVE MY FUNDS I KNOW THAT THEY ARE SUPPOSED TO GIVE ME MY FUNDS BACK I HAVEN'T EVEN BEEN ABLE TO USE ANY OF MY XXXX MONEY THAT RIGHTFULLY AND ENTITLED TO BEING AS THOUGH I DID APPLY FOR IT I DON'T UNDERSTAND HOW THAT I HAVEN'T GOT MY CONDITIONAL CREDIT YET AND NO ONE SAID ANYTHING TO ME AS IF IT'S JUST NOTHING THAT MY FRIENDS WERE GONE AND I WENT HOMELESS AND LOST EVERYTHING INCLUDING CUSTODY OF MY CHILD AND EVERYTHING AT THE TIME OF THIS HAPPENED
Product: Credit reporting or other personal consumer reports

Within 30 seconds of filing a mortgage application which triggered a credit check, started receiving MANY calls and texts from other companies ( not the one we filed the application with ) trying to sell mortgage and other financial products to us. The number of calls and texts has been completely overwhelming ( > 50 combined calls and texts EVERY DAY since filing ), and they are happening at all hours of night and day. 
I understand that under current law selling of credit check data by the credit reporting agencies is legal, but I would like to voice strong opposition to that. This has triggered an enormous amount of unwanted calls and texts, without our consent to share that data with other companies. We as consumers don't have a choice about credit reporting if we need to obtain a mortgage to buy a home. It should not be allowed ( without explicit consent ) for an involuntary credit check process to trigger significant unwanted calls and texts. Please put a stop to sharing / selling of credit check data without explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - not authorize charges XX/XX/2018 Discover FINCL- not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak English. i lost my jewelry, camera, laptop and more valuables in a different country. was heart broken and came back to NY, and after 3  months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... 
best regards XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I cant get in touch with anyone via phone call, the website keeps giving error message when you try to enter information to get in contact with someone, their email address isnt working. Theres no way to see your progress or payoff. But they keep taking funds WEEKLY instead of monthly like they said.
Product: Payday loan, title loan, or personal loan

COMPANY CALLED A FAMILY AND DISCLOSED A LATE PAYMENT I HAD WITH THE COMPANY TO THEM WHILE I WAS STANDING NEXT TO THEM. ALSO ASKED FOR THE FAMILY MEMBER TO REACH OUT TO ME FOR PAST DUE PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a loan over four years ago with Mariner Finance. It recently showed up on my credit as a collection in XX/XX/2021. I contacted the company and they investigated and saw that I did in fact pay it off and said it wasn't processed correctly on their end and that they would take care of the matter. It is still showing on my report with a balance and a collections account negatively affecting me and am now unable to buy my house because of this. I would love to have this removed from a collections standpoint as this should have never been added to my report recently under a collections.
Product: Checking or savings account

I deposit cash into my Wells Fargo Debit card account to purchase 2 airline tickets authorized on XXXX XXXX, 2017. $ XXXX/ticket totaling {$1900.00}. I fly and return home. I observe the posting in my debit card account and receive email confirmation and all went well at airport. XXXX XXXX, 2017, I see Wells Fargo post 2 new {$980.00} transactions and for the first time in my account history, my debit card balance goes negative. I disputed with the fraud department but because Wells Fargo says the passenger tickets match my passenger names, they wo n't remove the charges.