23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, there were fraudulent transactions made on my credit card totaling {$300.00} at XXXX XXXX XXXX XXXX, XXXX, Ohio. Upon discovering my card was lost and fraudulently used, I immediately contacted my card issuer ( U.S. Bank ) and reported my card has been used without my permission. US Bank opened a fraud claim, and within days they issued a decision and stated no fraud had occurred and said that I'm liable for the fraudulent charges! I've made numerous calls to customer service to resolve this matter, but to no avail. They said I have to pay for these fraudulent charges because they don't believe fraud has occurred. I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS. My card was lost and used without my permission. Please help.
Product: Checking or savings account

On or about XX/XX/2021, I opened a checking account at M & T Bank located bat XXXX XXXX XXXX XXXX, New Jersey XXXX. I have requested that M & T Bank update my new mailing address to : XXXX XXXX XXXX XXXX, NJ XXXX. M & T Bank ACKNOWLEDGED my request, but CONTINUES to send correspondence to my OLD ADDRESS : XXXX XXXX XXXX XXXX, NJ XXXX. Thankfully, the United States Postal Service is forwarding my mail to my new address, otherwise, I may not receive any mail from M7T Bank. In addition, M & T Bank refuses to send me an updated bank statement that DOCMENTS ALL of my most recent transactions. I am requesting your immediate assistance.
Product: Credit card or prepaid card

Emails, even as essential as those with statements, from this credit card company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options. After complaints via public boards, only things I heard are PR statements such as reference to their privacy statements and ultimatum about unwillingness to remove secretive trackers. Additionally, the company does not honor do-not-call requests.
Product: Debt collection

I cosigned for a XXXX XXXX for my company. The company no longer required vehicle so we did a voluntary repo. Balance of monies owned went on personal credit report XXXX days ago. We have since settled account with KIA motors but have evidenced no change in FICO score which went from XXXX to XXXX. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

Debt for {$1600.00}, i have no idea what this is or who did this ... this is not my account, Ive already reported with the XXXX ... planning to also contact a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 late payments on my report I have talked with several representative and even supervisors about this I was in the hospital do to XXXX and was not able to work I asked what can I do because I wasnt able to work for at least a month the creditor told me the computer does everything I told them its stopped me from getting a house and moving on with my life
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i start trading cryptocurrency with COINBASE in XX/XX/XXXX, make several transactions deposit and withdraw with no issues till XX/XX/XXXX, someone compromise my account and change password and email for my account and tried to make 2 other purchase using my bank account XXXX, but thank GOD i could dispute those transactions because they were still in pending, tried several times to contact Coinbase customer support via email and phone to fix this issue but no aim, no-one get back to me except for first time to provide steps to reset password but when i try to tell them that hacker change Email for my account to his, they stop responding and never get back to me after that, the hacker took {$14000.00} from my account in 5 different transactions cleared from my bank account as shown below : XX/XX/XXXX {$3000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$2900.00} i really need my money back my case # XXXX username : XXXX thank you
Product: Money transfer, virtual currency, or money service

The charge is regarding a handbag I had ordered from the official website of XXXX XXXX and it was supposed to be delivered to my residence in XXXX, California by the XXXX of XXXX, XXXX through XXXX tracking number XXXX. Even after the passage of the estimated date of delivery, I waited for quite a few days considering that there might be some sort of delay on the part of XXXX which made timely delivery difficult but unfortunately that yielded no result since I still did not receive my package even after a week. I contacted XXXX to inquire about the status of the shipment. Upon tracking the whereabouts of the package, the XXXX agent informed that since there was no one present at my house when XXXX came to deliver the shipment, thus it was returned to the sender through tracking number XXXX. XXXX also sent me a Proof of Delivery document which confirmed that the package was returned to the store. The agent asked me to get in touch with XXXX XXXX and get the issue sorted.I took their advice and contacted the store who looked into the matter and asked me to wait for 7-14 business days for a resolution as they would be conducting an investigation with XXXX. After the passage of the aforementioned time-frame, I didnt hear anything from the store. In order to address the situation, I contacted them again and re-explained the situation. Once again, they asked me to wait for another 7-14 business days for a resolution. For a second time, I didnt receive any communication from the store regarding the issue. Hence, I called for a third-time a few days ago and I was asked to be patient as they do not have an update. Till now, I am yet to receive a response from the store. It has been about 3 months since I placed this order and I doubt that the issue will ever be addressed by the store. To me it seems like the store is deliberately avoiding the concern. I have attached the following documents in this claim for your reference. 


Paypal decided on the case stating that the seller provided proof of delivery, however, the proof of delivery that is on the XXXX clearly shows the item was delivered and signed for by someone that was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian consistently keeps my credit score lower than any other bureau. They then arbitrarily lowered my score 19 points. cited no reason for lowering my score. Interestingly they lowered my score a day after i elected to not complete their Boost process. This is unfair, they are punishing people for not giving them the personal information they want.
Product: Debt collection

My dispute is with a collection company under XXXX XXXX they have never notified me I only noticed when it was put on my credit report when I called them asking what this debt was she said it was from XXXX XXXX XXXX I informed her that I did not know what this bill was have never received any type of XXXX and that I had been with XXXX XXXX XXXX up until just this past XXXX of XXXX she then read me the address which was XXXX XXXX and I have not lived there and almost 4 years and change of address took care of that problem had they had sent me anything I know nothing about this debt when I asked for a email or a copy she said that I would have to get online and go to a file number which is XXXX but in order to access the information I would then have to give her my current information as my current mailing address my current phone number and I asked her why she would not already have this if this was a legitimate debt from XXXX XXXX XXXX so I have no idea what this {$260.00} is she 's talking about she wanted to give me a 25 % discount to pay off immediately I told her I was n't paying anything until I knew what I was paying she 's in sternly said I told you it 's an XXXX XXXX XXXX bill and I said well and I told you that I paid off my contract and for the last year I was month to month so I should n't no way have jeopardize a contract with XXXX XXXX XXXX or they would have told me before XXXX of this year when I cancelled so I honestly do n't understand why these people can do this and harass and be rude and I would like this cleared up and I do n't know this debt please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX TX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXX/XX/XXXX Employers : XXXXXXXX XXXX  Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/2019 XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a request to SageStreamXXXX  to obtain a copy of my credit report. Prior to XX/XX/2023 I had no knowledge of SageStream nor did I consent to them divulging any information. On this credit report are multiple inquiries that continue to persist on the report well beyond the statutory limit. In addition, these inquiries are printed multiple times making it appear as if there are more inquiries to my credit than there actually are. I believe this has contributed to the unlawful denial of credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. Ive attached a identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Payments are made in the amount of {$680.00} prior to or on the due date each month evidenced by the attachments where the payment over the required payment of {$670.00}. These payments have again NEVER been late. In addition, payments have been made every week on XXXX in the amount of {$50.00} which in XXXX of the complaints the company admits that these payments are noted to be placed toward the principle of the loan- not in an unapplied account. But where they go is in an unapplied account. During the last complaint the company threw all monies in XXXX bucket to somehow cause my account to " fall past due '' all the while the payments were made timely with an additional {$50.00} payment. Due to the misapplication of funds the company has now - from how they explain in additional information - charged a fee - expenses pd by servicer. The details can be found in the attachment.
Product: Money transfer, virtual currency, or money service

I accidentally sent XXXX dollars to the wrong person through XXXX. I was giving no recourse from wells Fargo and they sided against me.
Product: Mortgage

This is about Green Tree again. Everyday for the last 2 years they have called me and my husband stating that we are behind on our house payment and we let our insurance laps, which most of the times the house payment had already cleared my bank or was pending at the bank to clear, the insurance that they say has lapsed did not lapsed, I bought my own insurance from a local company in town, and the local company faxed the proof of insurance XXXX times to Green Tree, which Green Tree states that they never received, so it was then mailed to Green Tree and they still claim that they did not get anything. When our mortgage was XXXX sold to Green Tree in XX/XX/XXXX or XX/XX/XXXX { that has been too many years ago } we were 1 month behind on our house payment and I gave Green Tree permission to take out XXXX payment out of our checking account, well needless to say they took XXXX house payments out and over drafted our account, and Green Tree would not refund the money or the over draft fees, so we learned the hard way on that. As of today Green Tree has called both of us XXXX times and the lady was wanting to know when we would be moved out so they could come and change the locks to there property. The phone calls from Green Tree every time they call are rude and threatening to take our house. I am to the point to just give up. I want something done to these crazy people. We are tired of them calling us and they never give up.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report from XXXX XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

I joined AAdavantage Premium Select Credit Card back in XX/XX/XXXX. Their promotion stated XXXX miles for spending {$3000.00} on first 3 statement. I spent over XXXX in two month. The reward page showed that i will be getting the XXXX on my next statement date of X/X/2017. However, Citi Bank ( credit card issuer ) closed my account for having too many inquiries showing on my credit report on X/XX/2017. I called Citi bank for the reward miles and they refuse to provide XXXX miles that I should be getting.
Product: Checking or savings account

I am filing this complaint regarding USAAs practice of resequencing debit transactions in a way that maximizes overdraft fees. While I have not been charged overdraft fees recently, I have experienced this issue in the past and believe it reflects an ongoing pattern of behavior that is harmful to me and other account holders.

Summary of Concern : USAA has a history of processing debit transactions out of chronological order, prioritizing larger transactions or credits first. This practice artificially increases the chance of my account becoming overdrawn, resulting in multiple overdraft fees.

For example, in previous transactions of mine, if smaller transactions were processed before a larger one ( in the order they were initiated ), I would have been charged fewer or no fees and I would stay with a positive balance. However, due to resequencing, I incurred fees that were unnecessary and avoidable. 

Why This Matters : I believe this practice is : XXXX. Unfair and Deceptive : It appears designed to maximize fees at the expense of members like myself. USAA already has settled multiple lawsuits notably in XXXX of this year of XXXX XXXX to resolve allegations that it wrongfully imposed fees on members and veterans. 
2. Inconsistent with Consumer Protection Laws : Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) prohibits unfair or deceptive acts.

Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) requires transparency in electronic transactions.

Dodd-Frank Act ( 12 U.S.C. 5531 ) prohibits abusive practices in consumer financial services. 


This issue is not only a personal concern but also reflects a broader issue affecting other account holders. I ask the CFPB to investigate USAAs practices and take appropriate action to prevent further harm to consumers like myself.

Conclusion : I believe USAAs debit resequencing practices may have violated consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), Dodd-Frank Act, and Truth in Savings Act ( TISA ), by imposing unnecessary overdraft fees through unfair or deceptive transaction methods. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

The company is cash app. My daughters phone was lost and someone accessed her account. Instead of investigating cashapp closed my account and refused to refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

10+ years ago I submitted a request to permanently opt out of receiving credit card offers by US Postal Service . Since then I have not received credit card offers by mail. Two days ago I received a credit card offer from Capital One. I have never done business with Capital One, nor do I plan on ever doing business with them. Their direct mailing to me of a promotional credit card offer is in violation of my registration to the Opt Out list.