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

I looked on XXXX XXXX and saw that there was an extra credit card being reported. This account was opened XX/XX/XXXX. The individual was making payments consistently up until XX/XX/XXXX. At this time I was added as an authorized use to this account without my permission. I would never add myself to anyone 's financials, I won't even be on the same phone plan as someone else. I called Capital One, who issued the card, to remove myself from this account. They will not tell me who owns the account that I am an authorized user on " to protect their identity ''. What about the protection of MY identity? Someone has ruined my credit and I can't find out who. I would like to take this up legally with the person but I have no idea who it is. It only shows me that it is a Capital One Card, the user is listed as " un-designated '', it opened XX/XX/XXXX, the last payment was XX/XX/XXXX, the minimum payment is {$61.00}, and that i am an authorized user. It is maxed out at 147 % credit utilization and a balance of {$730.00} They told me they would gladly accept a payment from me but couldn't tell me ANY other information. I asked to be removed and she told me to cut up my card ( I do not have an authorized user card for this account, but someone else does along with the primary card holder who is unknown )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XX/XX/2023 XXXX15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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. I, XXXX XXXX give third party authorization to communicate with ( Equifax )
Product: Credit reporting or other personal consumer reports

Every time I mail in a request to receive my credit report its ALWAYS an issue and i NEVER receive what I ask for.. Its always the same cycle of sending in " verifications '' for your identity such as your drivers licenses ( which is unconstitutional ), a bill/lease and your social security card.. Equifax XXXX XXXX and XXXX are ALL NON GOVERMENT AGENCIES. THEY ARE PRIVATE OWNED CORPORATIONS HENCE THEIR COMPANIES HISTORY. YOU ARE A PRIVATELY OWND ENTITY THAT CONGRESS HAS SAID " Consumer reporting agencies have assumed ( ASSUMED?? ) a vital role in assembling and evaluating consumer credit and other information on consumers..There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " .... if yalls private entities gone have my social security number without my prior written consent I think i should be able to receive my credit reports when I ask and not have to go through any ridiculous cycles. This has really impacted not only my financial situations but also estate/family situations. This is defamation of character
Product: Checking or savings account

I saw an alert on Wise.com that I had to update my XXXX  addresses in XX/XX/year>. I immediately updated my address, but the alert persisted. So, I contacted Support to resolve the situation. They told me as long as I had updated my address, and that it was all XXXX then it was fine. I told them I was disconcerted that the alert persisted, but they wrote no further action was required. 

Now it is XX/XX/XXXX, my XXXX XXXX account has been deactivated and I can not ACH money to myself. This is a failure of Wise Support communication, and they are also failing to correct it.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  - XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

XXXX credit card Says XXXX I dispute it then it goes down now it says XXXX again and drops my report. 
That's unfair and not correct Card company said to call u guys as it states XXXX days ago is when XXXXa pulled info. I only owe XXXX on that card XXXXXXXX XXXX card I talked with them I didn't miss a payment in XXXX And that needs to be fixed company knows I'm unhappy about there false reporting
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 any 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: Debt collection

This company stating they were XXXX XXXX has repeatedly called me 4 to 5 time a day after numerous times I have asked them to stop. It continues to get worse as now they have been calling me where it appears that it is coming from my old home phone number ( which is a disconnected number ) XXXX. These calls were made on the following date XX/XX/XXXX at XXXX ( there may have been more but this is the one I have record of ) Additionally, I have repeatedly told the company I can not pay as my husband is sick ( with XXXX ) and has to repeatedly check in with me throughout the day and I have to pay his medical bills. After I shared that information they called me and made it look like it was coming from his cell phone. I had to leave work in the middle of teaching a class and answer thinking something was wrong and it turned out to be the debt collector. This was done several times on the following dates : XX/XX/XXXX at XXXX I was so shocked I asked them how in the world could they make it look like they were calling me from my sick husband 's number and they told me that the " computer did it '' I told them to NEVER do this again explaining the stress it puts on me and I thought something was wrong with my husband. They then called me again on XX/XX/XXXX at XXXX XXXX. I asked again to please stop calling as my husband. Then they called again but I can't remember the exact date but should be in their system. 

Turns out the company name is not XXXX XXXX but it is Nationwide Credit XXXX. XXXX XXXX XXXX, DE XXXX. 

These repeated harassing and deceptive calls from the company should not be allowed and are causing me and my family a lot of stress which I do not need with my husband being so ill. We are trying to make ends meet and I have shared that numerous times while asking them to please stop calling but it only got worse and more deceptive. I have a phone recording of this if needed.
Product: Checking or savings account

For at least the 4TH TIME in the past several months, a FRAUDULENT UNAUTHORIZED ACCOUNT has been opened at Square Inc in the name of a member of my household, without our permission ( twice in my name, twice in my wife 's ). 

Square customer support has for the most part been unhelpful in resolving these issues. They ask us to login and close the account ourselves, which we can not do since we didn't open the account and do not have the login credentials. Or they tell us they will investigate, but they do not provide assurance that the accounts will be closed or follow-up to confirm whether or not that has happened. 

They are putting our identity at risk, repeatedly. A fraudster could currently be using one or more bank accounts in our names. 

We have asked them each time to close the fraudulent account, and we have also requested that they stop opening fraudulent accounts in our names. 

This past week, I received another ( THE XXXX ) Square business debit card, in my name and mailed to my address, for an account that I did not open. Each time this has happened, I have reached out to Square and also filed a new complaint with the CFPB in the hopes that they will finally put a stop to this.

Please help us get Square to close these accounts and assure us that they will stop opening these fraudulent accounts in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent with their security systems that protect my private information from being accessed for fraud. 
My private social security information and credit card information is now in the hands of criminals. 
I was denied access to my security PIN at XXXX PM on XX/XX/XXXX when I attempted to place a freeze on my account. I was never given a PIN in order to " thaw '' my credit. I will have to send my personal information, and possibly money, to an organization that already proved itself incapable of being trusted in order to unfreeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO XXXX XXXX AZ branch office. Both my checking and VISA accounts were closed at the branch on XX/XX/2020. In XXXX I received a statement which I disregarded because the account was closed the previous month. Then in XXXX I received a letter stating that my XXXX XXXX  credit card was past due. Since then I have been trying to understand what happened. I contacted my branch manager XXXX XXXX who referred me to the Credit Card department. Apparently the Credit Card department is independent from the branch. After some time the Credit Card department told me an auto pay bill was dated XX/XX/XXXX, four days before I closed the account. I thought there must be an error. If there w as a bill pending why didnt the branch tell me that at the time. They didnt so here I am trying to reconcile on XX/XX/XXXX. 
I did reconcile and paid the bill same day. Next, I get a credit bureau change notice from my XXXX XXXX. My credit rating went from XXXX to XXXX because XXXX reported a delinquent account even though the issue was still being resolved, I called the branch manager who referred me to the credit card department who referred me to the collections department who referred me back to the branch manager. At every turn all I wanted to do was speak with the department or person who handles credit bureaus disputes. No luck. Whats fair is the bank should change what they reported. One of those departments told me they couldnt change the report. Im pretty sure they can.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I attempted to make a transaction for 4 tickets to the XXXX XXXX XXXX preseason game. I found a seller on craigslist who directed me to XXXX to make a transfer. I made the transfer of {$160.00} and subsequently discovered that the tickets did not get sent. I attempted to reach out to the seller via text and calling him at the number he provided and received no response. 
That same day, I attempted to reach out to Bank of America and they were unable to assist in providing any sort of protection or refund. Upon further review, it appears that XXXX does not come with the same sort of backing that a company such as XXXX has. My complaint is that the partnership between Bank of America and XXXX is very misleading and does not give adequate, consumer-friendly expectations that XXXX is unsecure and rife with scammers. There is no built-in infrastructure to deter fraud and the fact that they are in partnership with Bank of America and other big banks lends credence to the idea that XXXX is a credible, reliable and trust-worthy means of making transaction. Clearly, this is not the case.
Product: Money transfer, virtual currency, or money service

I have been banking with Webster Bank for years and using their Paper Check Bill Payment service. 

It used to be that when I order a Paper Check to be sent to a payee by a certain date, the debit of such payment funds from my account would not occur until the payee deposits or cashes my check. 

But now Webster Bank has implemented a new policy, without prior disclosure, of debiting my account upon the specified delivery date rather than when the check is actually cashed, as previously. 

Is this new approach legal? A paper check should not be debited until cashed by payee -- that's the way paper checks work. 

Is Webster Bank attempting to surreptitiously earn money on the Float?
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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting or other personal consumer reports

I called the company in XXXX in order to enter into a payment plan to avoid a charge off. I was provided incorrect information and the account was charged off. After many attempts the company refused to resolve the issue and reported it incorrectly. The debt was then sold to third parties who referred me to Goldman Sachs for the Info and Goldman Sachs stated that i need to reach out to the third parties. I have spent years attempting to get this resolved. I have paid in full. The company refuses to acknowledge their mistake. Goldman also erroneously responded to a previous CFPB complaint regarding the same issue stating their information was correct. The XX/XX/XXXX letter confirms the allegation in question was correct and Goldman Sachs once again provided incorrect information to myself and the CFPB. 

On XX/XX/XXXX I received a letter stating that they acknowledge that I was not provided accurate information and offered me {$35.00}. I filed a claim for more and was again given the run around. At first my claim was ignored, then I was told I was approved for additional compensation, then I was told that was incorrect. I followed up repeatedly to understand why my claim was denied and I have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

It happened on XXXX/XXXX/2014. Someone gave me 2 {$200.00} checks to cash for him. I did then i realized my account was deactivated so I called my back. I recorded a claim for fraud and called the police. They did a police report and have a warrant or for the guys arrest. I sent it to the fraud department with the warrant and a letter but they declind my request.
Product: Debt collection

This company is charging XXXX XXXX interest to this debt on my credit report. The original debt is showing XXXX when I first discovered this account, now the balance is XXXX Who agreed to this interest? How is that lawful? I never agreed to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian XXXX XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$12000.00}
Product: Debt collection

OnXX/XX/XXXX a collection was put against me by Midwest Recovery Systems for a medical debt that was paid off through another collection agency on XX/XX/XXXX. I wrote a letter to Midwest with a copy of pay off letter from previous collection agency. To date the  collection still appears on my credit report. Since paying off this medical debt I have received calls from other collection agencies but would fax a copy of pay off letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a data breach involving all XXXX XXXX credit bureausEquifax, Experian, and XXXX has directly affected me. As a result of this breach, my personal and financial information has been exposed, putting me at significant risk for identity theft and fraud. Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and secure information regarding consumers, and this breach constitutes a failure to uphold these obligations. I request that the FTC investigate this matter and take appropriate action to ensure my rights are protected.
Product: Debt collection

Today, XX/XX/XXXX, I received yet another phone call from this company Convergent Outsourcing. They are looking for a XXXX XXXX. When the phone calls started happening XX/XX/XXXX, I told them that XXXX XXXX does not have this phone number and has not had this phone number for quite some time as I have had this phone number for over a year. I do not know a XXXX XXXX, told them that and to take my number off of their list. They said they would remove my number from their list. According to my phone logs, I have received a call from them XXXX ( twice ) ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and again today XX/XX/XXXX. Today, I told them again what I told them at the beginning of the month - XXXX XXXX does not have this number and to take this number off of their list. 

Further, I am on the Do Not Call list and do not have an established business relationship with them so there is absolutely no reason for them to call me. It's a huge problem because if I am on another call when that number calls me, it hangs up on the other person and I have already told this uninvited number to stop calling me. It has become a form of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing on behalf of myself to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

These are unrecognized accounts reporting on my credit report. 

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

I sent this to Equifax within the last XXXX weeks. Apparently they lost and mishandled my personal sensitive information or they intentionally discarded it to stall the accurate reporting of my credit report. Whether by incompetence or deceitful practices please don't lose it again. This should be the simple part, not the time wasting, stall tactics being implemented here. You have now sent me XXXX request for this information, and I granted your request after your first letter. I can look through my records if I have to but I sent this around the XXXX or XXXX of XXXX of XXXX. I have now received notice XXXX and XXXX for the same info, they both came today XX/XX/XXXX, post dated XX/XX/XXXX and XX/XX/XXXX. I usually give benefit of the doubt, but from my recent dealing with the credit agencies, this is unacceptable and it's clear from conversing with their agents and " specialist '' that they are ok with reporting and maintaining inaccurate information on my credit report and giving me the run around in fixing them.