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

I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to Barclays. Barclays has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and XXXX still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if Barclays disagrees so that additional willful violations can be avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Transunion after logging into their member services portal, I was not able to see my credit score or credit summary. I explained to the representative that I was on the website and logged into my account and on the dashboard, but it was not bringing up any of my information. It only provided a link to order the credit monitoring service for {$24.00}. When I asked the representative if the only way I could see my credit score or credit report was to order the credit monitoring service, he stated that I could go to XXXX to retrieve a copy of my credit report and credit score. If I can not access my credit file directly on transunion.com without purchasing a credit monitoring service, what is the purpose of an online account. I think this is unfair to consumers. The other credit bureaus XXXX  and XXXX  allow you to see your credit report and score online without purchasing additional services.
Product: Debt collection

On XX/XX/year>, I was notified of a collection account added to my credit report. 
I am filing a formal complaint against Consumer Adjustment Co., which has reported a fraudulent account from XXXX on my credit report. This debt is fraudulent, and I had no prior knowledge of this account until it recently appeared on my credit report. Consumer Adjustment Co. failed to provide any notification or communication regarding this alleged debt, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Fraudulent Account : Consumer Adjustment Co. reported an account for XXXX to my credit report. I have no knowledge of this account, have never conducted business with XXXX, and I dispute its validity. 

No Prior Notification : I did not receive any written communication or notification from Consumer Adjustment Co. about this alleged debt before it was reported. This failure violates FDCPA requirements to notify consumers of the debt and provide an opportunity to dispute it.

History of Identity Theft/Data Breaches : I have been a victim of identity theft due to multiple data breaches, including XXXX and breaches involving hospitals. As a result, my personal information has been used fraudulently in the past.

Police Report Filed : I have filed police reports documenting identity theft and can provide these to support my claim.

FDCPA Violations : 809 ( a ) : Failure to Notify of Debt Consumer Adjustment Co. failed to notify me in writing within five days of reporting the debt, as required, which deprived me of my right to dispute it.

807 ( 2 ) ( A ) : Misrepresentation of Debt Reporting a debt that is fraudulent and without notification constitutes misrepresentation.

807 ( 10 ) : Deceptive Practices Reporting the debt without providing validation or an opportunity to dispute it is a deceptive practice.

805 ( c ) : Ceasing Communication After Dispute By reporting the debt without notifying me and allowing for a dispute, Consumer Adjustment Co. violated this provision.

FCRA Violations : 611 ( a ) : Failure to Investigate Disputes Credit bureaus have failed to conduct a reasonable investigation into my dispute of this fraudulent account.

623 ( a ) ( 1 ) ( A ) : Reporting Inaccurate Information Consumer Adjustment Co. furnished inaccurate information to credit bureaus without notifying me.

605B : Blocking Fraudulent Information Under FCRA, the fraudulent account must be removed from my credit report upon submission of identity theft documentation, which I am prepared to provide.
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 under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

As of XXXX XX/XX/XXXX, i can no longer transfer funds into my savings account. I receive a system error. Due to the holiday weekend, i contacted USAA on XXXX XX/XX/XXXX to inquire what's occurring. The banking agent attempted to make the transfer on my behalf and received the same system error and forwarded me to Web Support who created an incident ticket : INC XXXX. 
I've followed up onXX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time Web Support states they see {$85.00} transfers occurring. I've advised on each follow up call that i set up bi-weekly transfers at the end of XX/XX/XXXX for the entire XXXX  year, thus those are successful, however, manual transfers are encountering system error on my daily attempts. 

System Error message : Something went wrong and we may not be able to process your transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXXXXX is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX and made police reports with the local department and filed with the FTC
Product: Student loan

Complaint regarding joint consolidated loan stuck together for 20 years after divorced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have a problem with someone using my social security to check my credit score and it brings my credit score down little by little i dont know who has my information and its annoying Im stuck cause Im Trying to build my credit and I cant if someone is Constantly doing this
Product: Credit card

I was sent an email about earning extra money by using affiliate marketing by a company names XXXX XXXX. They advised me that I could withdraw my money at anytime and supposedly anyone who clicked on the site had to pay a fee and the fee was placed in my account with the company. I attempted to withdraw my earned amount and my payment of {$5000.00} which was charged to my credit card. When the company refused to give me by money back, I contacted Fifth Third Bank my business credit card holder. I requested paperwork from Fifth Third Bank to dispute the charge and an employee refused to send me any paperwork. This company was a scam and the phone number on the charge XXXX is located in XXXX according to XXXX I was also charged an international transaction fee of {$150.00}. If the company is in the XXXX. there should have not been charged an international transaction fee. Fifth Third Bank refused to assist me with this dispute while refusing to send me dispute paperwork. This transaction was never investigated by Fifth Third Bank. I want my dispute investigated and my {$5100.00} returned to my credit card for failing to investigate this charge. I have never made an international transaction.
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 XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX # XXXX 15 U.S.C. 1961 Section 602A States I have the right to privacy.

15 U.S.C. 1961 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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, 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 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 reporting or other personal consumer reports

Noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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: Debt collection

XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX, was put on my good credit report that does not belong to me and never had dealings with this company. I have tried several times disputing this off my TransUnion, XXXX & XXXX and XXXX is the only Bureau that has deleted it of my good credit. Showing on my good credit report it is showing : 1 - Date of First Delinquency, 2- Date Assigned XX/XX/XXXX XX/XX/XXXX XXXX - Date of Status & Balance XX/XX/XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TU -- - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- - Unauthorized Inquiry
Product: Checking or savings account

Friday XX/XX/21 Chase sent 2 unauthorized wires of {$5500.00} each + {$25.00} fee per transaction XXXX they did reverse the fee ). They confirmed on their recorded lines that this was done in error ; this was a " glitch '' and should be corrected by midnight. They assured us they would contact their wiring department to return funds in case they didn't reappear in our account the next morning, Monday, XX/XX/21 I went into our local branch ( XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and spoke to XXXX XXXX who assured me it would be handled. After several conversations this was escalated to his Branch Manager, XXXX XXXX who has adopted the party line " we are researching ''. They will not provide a decision maker contact nor have we been advised if & when these funds will be returned. Your attention to this matter would bet greatly appreciated. Please note : this is not the first time Chase had wired funds without authorization ; this has occurred in a single transaction on several past occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in disputes with proof of inaccuracies for several months with no change. Sent last disputes in XX/XX/2020. No changes. Credit report is showing accounts with wrong account numbers, wrong address, incomplete and inaccurate payment history, dates of accounts saying closed but still reporting negative over 2 years after the close date. Incomplete payment history dates. Accounts only 60 days late and is charged off. Payment recieved is higher than the high balance.
Product: Student loan

On XX/XX/XXXX I received an email from " XXXX XXXX XXXX XXXX XXXX via XXXX '' informing me that XXXX was changing loan servicer from ACS to XXXX. This email was sent to " XXXX '' which seems to be a listserv they created for everyone who has a Perkins loan within the XXXX system. Someone else was able to respond to that email with questions, which blasted out to everyone. This violates privacy and data sharing practices. Additionally, much of the communications around this Perkins loan has been sketchy and has made me think that there is fraud involved. I was n't aware I had a Perkins loan until I received an overdue notice from ACS ( to my parents address, not to me ) which was written in a way that was intentionally misleading. I owed {$200.00} at the time but it gave me the full amount based on what would happen if I did n't pay, and told me I was seriously delinquent, even though they had not communicated anything to me earlier. This hit my credit score until I paid.
Product: Money transfer, virtual currency, or money service

In XXXX after much assurance from XXXX XXXX, CEO of Binance US, I sent $ XXXX. When it was time to with draw, ( XXXX weeks later ), XXXX  requested $ XXXX. I reluctantly sent it and he assured me that the funds would be sent to mXXXX XXXX XXXX account. The funds never did appear in my account. I sent several follow up messages to XXXX who finally responded that I needed to send $ XXXX, I told him I don't have that and can not send it. He still has my money. I have a transcript of all out communications. I can send copies of emails as well.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia. 

https : //law.lis.virginia.govXXXX 

The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX XXXX which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
Product: Mortgage

I have disputed the amount of what is owed on my mortgage for the past 6 months. I have opened disputes about the amount with all 3 credit reporting agency. The amount that Roundpoint Mortgage company keeps reporting is XXXX as owed this amount has been incorrect for months my amount owed is XXXX as of statement dated XX/XX/2019. I have tried to have this matter rectified for months including today. Today because of Roundpoints inaccuracy in reporting, my credit score has fallen another 30 points. The credit reporting agency keeps closing the disputes because Roundpoint Mortgage Company keeps reporting back to each one as the amount is accurate. Which it isn't.
Product: Checking or savings account

I was open new checking account for my daughter traveling to XXXX at XXXX, XXXX, XXXX with Chase bank. Unfortunately, I havent received a debit card that send to my mail box and moreover my all deposits {$700.00} lost. I went to chase bank to talk with customer service name XXXX XXXX, phone XXXX, who was created my daughter checking Account working at chase bank address XXXX XXXX XXXX, XXXX, Tx XXXX about this issue. He pulled out paperwork and found extra wrong phone number showing up on daughter profile ; then he deleted. Then he told me that the bank not responsible to pay back {$700.00} for me because the money lost is on debit and XXXX banks is not responsible for this lost. Any help would be appreciated. Thank you XXXX regards, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX/XXXX/2022
Product: Debt collection

I have received 2 phone calls within 8 hours. The debt is not mine it is my fathers I understand they have a job to do but they only call just give me their name with out a company name and reason for calling till I tel them my name. My father and I have the same name which I also understand can become confusing. The two individuals that did call me as soon as I gave my name then went into a ti-raid about me owing a debt and they are a collection agency and I had to raise my voice so they would be quite and so I could ask a question which is what is the age of the person they are looking for at which time I told them that I am 30 years younger and they have the wrong person and I ask where did they get my number from they said its on the file and if I could give them my fathers phone number. I asked for the company that gave them my phone number erroneously and they said they can not give me that information I told them on the first call fine just take my number off the list, it is not his number nor has it ever been his number and they need to get the right number from the company that he is in collections for, the first lady said she would take my number off. Now 8 hours later same thing happens and I even talked the manager on duty told me the same thing and since I'm related they can not take my number off the record, which tells me that I will be getting constant harassing phone calls for something I did not even do or have control of. I have good credit and have never had issues since I was very young but for GC Services to harass me because my elderly father is a bit extreme.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

My name is XXXX XXXX. My birthday is XX/XX/XXXX. My account number with Citi bank is XXXX. The last XXXX of my social is XXXX. The email associated with my Citi bank account is XXXX. the last working citi debit card I had was XXXX expiration date XX/XX/XXXX and security code XXXX. 

My new phone number is XXXX XXXX XXXX In early XX/XX/XXXX I requested a name change request form in accordance with my XXXX XXXX from Citibank. Citibank abruptly closed my account and stole all my money for over XXXX days. They kept lying they would admit to why they closed my account and send my check. They never sent my check of XXXX. 

I have XXXX XXXX from Citi bank 's XXXX XXXX they XXXX XXXX to in XXXX. In XX/XX/XXXX I went inside the XXXX XXXX branch of a Citi bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the night before. Citi bank refused to stop the card on that day and threatened to call police on me from reporing crime. The XXXX turned out to be XXXX XXXX with XXXX XXXX. My XXXX XXXX XXXX on XX/XX/XXXX by their associate, XXXX XXXX with XXXX XXXX. XXXXXXXX XXXX was shown on XXXX XXXX aka XXXX XXXX ' social media, XXXX of their XXXX accounts, the person who had stolen the card that citi refused to put a stop on even though I begged them to stop it because I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am now XXXX and being XXXX because Citi bank has stolen my XXXX XXXX XXXX XXXX XXXX  etc money these past over XXXX months since my account was closed. I have an XXXX XXXX on the XXXX and expect to XXXX XXXX XXXX transportation because I have no other way to pay rent if Citi does not get my check to me in time of my XXXX it froze/closed. I can not be transported due to that my XXXX XXXX XXXX XXXX XXXX XXXX and that my head has already been squeezed off partially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transportation is fraud and XXXX XXXX XXXX XXXX XXXX XXXX 

Citibank must send my XXXX check overnight to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX