23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Back in XXXX of 2023 Capital One closed my checking account. They havent told me why, although I suspect it was because I tried to move money to an account I have that was linked to my old address in a different state for my rent payment, but I think I accidentally did it twice so it probably looked fraudulent. This is fine. But they havent returned the money that was in the closed account. Im out XXXX from said closed account. Ive been trying to contact them for months and they always direct me to a line that says to leave my name and number and someone will call me back. No one has called me back. I dont know where my money is and when Ill see it again.
Product: Checking or savings account

Good morning, On XX/XX/XXXX, I was at work when I received a transaction notification from my Chime Credit Builder credit card that a charge for {$61.00} from XXXX XXXX has just been drafted against my account. I had not authorized this charge, so I immediately ran to call Chime Bank to dispute it. While I was on the phone actually speaking with a disputes agent, a separate charge in the amount of {$58.00} attempted to draft against my Chime Credit Builder credit card. It was declined. Then I received a notification that the {$58.00} had drafted from my Chime Checking Account instead. I mentioned this on the phone call with the Chime disputes agent, and she acknowledged seeing the charges happening, so she hurried to close both of my accounts and issue new cards. She disputed both charges as unauthorized, so I was dumbfounded when Chime denied my disputes and said they saw no wrongdoing. I called them immediately and spoke with a supervisor who said there was nothing he could do, and that the charges were valid. 

I immediately reached out to XXXX for additional information that I could use to continue the disputes. I received an email from XXXX stating the following ( all of which was provided to Chime bank ) : 1. XXXX acknowledged that there were unauthorized changes and fraudulent charges made on my XXXX online account. The fraudsters hacked my XXXX account, changed the email address to XXXX and began ordering with my stored debit and credit builder cards. My email address is XXXX. 

2. These two pickup orders were placed FROM XXXX XXXXXXXX XXXX New Jersey ) and XXXX ( New York ). I live in XXXX, Virginia, which is XXXX hours from XXXX and XXXX hours from XXXX XXXX. There is no way I could have picked up food XXXX and XXXX states away. 

3. The times these orders were placed ( XX/XX/XXXX XXXX AM and XX/XX/XXXX XXXX AM ) I was already on the phone with Chime shutting down my accounts. 

This is fraud pure and simple ; and it is unsettling that Chime is trying to hold me liable for fraud after all the evidence I provided to them. I even requested they listen to the phone call between the Chime Disputes Agent and me- they would have heard her acknowledge what was happening in " real-time ''. I provided Chime with the XXXX automated email where the scammers changed my email address to gain access to my XXXX XXXX account, I provided the email from the XXXX XXXX XXXX where they gave all the details showing this was fraud, I gave the XXXX driving time frames to the cities where the orders were placed and picked up, I gave them my call records to show I was on the phone with Chime shutting down my accounts when the second charge was going through... I basically handed them everything they needed to make a fraud case, and they declined to proceed. To say I am disappointed is an understatement. I do not want to pay for a scammer 's lunch.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO pulled my XXXX, XXXX, AND XXXX   credit report on XX/XX/18 with out my permission or written consent.
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 **** and 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

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services. 

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX. 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX has continued to furnish my non public personal information to nonaffiliated 3rd parties and consumer reporting agencies without my consent. 

The unauthorized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like me. 

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation. 

see enclosed letter sent to the XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im 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 efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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

Hello, a few years ago my debit card was stolen and over charged. Around the same time faced credit card debt.
Product: Checking or savings account

I had an attempt from a hacker to use my debit card on XX/XX/XXXX. This is my debit card for a business account. The card was turned off when i called the XXXX number. I had to go in the branch to request a new one. We also have an account at XXXX. They print you new cards on the spot. We have done that a few times in 12 years with XXXX. Here at XXXX they had to order XXXX. It was ordered XX/XX/XXXX. I was told XXXX business days, which is insane to hold up a business for even XXXX like that. I had stopped twice after 14 days and got poor excuses that the card was not there yet. My wife went XX/XX/XXXX. 35 days after the initial order for it. Still nothing but excuses. She asked for it to be expedited and called as soon as it arrives. As of XX/XX/XXXX still no call. 41 days after initial order. Totally ridiculous. Absolutely horrible customer service! By the way this is not the only issue we had but this one is just almost unbelievable. I was using that card to pretty much run my business. Unfortunately I now have to figure out all the auto pays and other related items this account is tied to again to be switched.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted XXXX AdJ which is a collection account on XXXX XXXX, XXXX but they reinserted the collection account back on my credit report on XXXX/XXXX/XXXX without giving me a 5 day notice of placing the collection back on my credit report. This is a violation of the FCRA and I would like the collection to be removed permanently!
Product: Debt collection

Consumer has received MULTIPLE REQUESTS from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has sent XXXX XXXX debt verification/ validation request, which was received per consumer mail sent via XXXX XXXX XXXX Which was received XX/XX/2024 at XXXX sent via certified mail with return receipt. XXXX XXXX has as of XX/XX/2024 failed to respond to consumer debt verification/validation request which was received. All communications by consumer are recorded/tracked for cobsumers quality and legal purposes. Consumer has received several emails from XXXX at XXXX technologies regarding said debt. See attached picture with multiple dates of emails sent by XXXX XXXX on an unvalidated debt. 

XXXX has violated FDCPA practices and continues to harass consumer regarding debt by sending automated email. Supposed debt collector continues to attempt to collect a debt on behalf of XXXX XXXX XXXX collections, per XXXX XXXX  collection statutes debt collector is not licensed to collect debt in the state of Florida and XXXX has also failed to respond to consumers request to verify XXXX is licensed and can verify they legally own said debt in the state of Florida. XXXX is asking for cease and desist on said debt until XXXX per Florida statue XXXX XXXX can prove they legally own debt. XXXX has also failed to provide name and address of Registered agent for service of process.
Product: Debt collection

eastern account system incorporated is calling me when I got a new cell phone number saying I'm someone I '' m not. 

They just called me a couple times on XX/XX/2017. One of the " agents '' hung up on me when I told them I was a different person than the one they are trying to contact. 

When i called a second time to reiterate to them that they had a mistaken identity, i received no confirmation that they would stop calling or trying to collect the mystery debt. 

That is all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of an account appearing on my XXXX credit report. Citibank XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.
Product: Debt collection

Ive sent dispute letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As your method of validation, each time, I was responded with the same letter that was dated 2 years ago that did not address the dispute at hand. So, after your validation, there are still many things being reported inaccurately and are as follows XXXX is reporting this collection account as an open account. The date opened is reporting inconsistently and incorrect across the 3 bureaus. The reported balance is incorrect across all 3 bureaus, and is reflecting a different amount than the letter you sent me states. The date last active shows XX/XX/XXXX by XXXX, XX/XX/XXXX by XXXX  and XX/XX/XXXX by XXXX. Lastly, all bureaus are reflecting a balance for this collection account, which Im sure you are aware are all violations of my rights, per the FCRA. I have the right to 100 % reporting accuracy and you have failed to do so.
Product: Debt collection

I've disputed these doctor bills. I've asked for proof of debt and how much did the insurance company pay toward existing balance if I owe this debt. Hey have sent nothing but said debt is accurate.
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim. My Account Name and Number : AFFIRM INC ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate 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

Subject : Complaint Regarding Wells Fargo 's Failure to Process Automatic Payment To Whom It May Concern, I am writing to formally complain about Wells Fargo 's failure to execute an automatic payment I had scheduled for the XXXX of this month. Despite setting up my account for automatic payments, the transaction was not completed as instructed. This failure to process the payment has caused significant inconvenience and financial concern. 

I am particularly concerned that this issue may indicate a systemic failure or deliberate misconduct, as such lapses could be used to generate unwarranted late fees or other charges. This practice, if intentional, is unacceptable and could be considered a method of financial exploitation. 

I have attached supporting documentation, including a screenshot showing my automatic payment setup, to substantiate my claim. I request an investigation into this matter and appropriate action to ensure Wells Fargo rectifies this issue promptly. Additionally, I ask that any fees or penalties incurred due to their failure be refunded immediately. 

Thank you for your attention to this matter. 

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

I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND XXXX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.
Product: Debt collection

XXXX XXXX has a debt collection on my Equifax and Equifax wont remove or delete it from my credit report and XXXX XXXX keep updating and change the dates for this debt collections on my credit report constantly its {$55.00} and was paid by XXXX or XXXX. And they are costly Robo calling me.! And calling family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an accident occurred in a XXXX  XXXX XXXX and was subsequently handled by my insurance company. The financing company for the overpriced vehicle ( CNAC Financing ) then took the insurance payment for the vehicle 's worth, refused to physically take possession of the vehicle ( total loss ), and then reported the vehicle as an open repossession on my credit report ( {$13000.00} ), preventing me from purchasing any vehicle except at great personal cost, preventing me from job opportunities, travel, etc. No offer was made to settle the remaining balance, as they never informed me of any amounts made payable to them that did affect the remainder. Upon calling, I was met with derision and told to check my paperwork. Two vehicles had been successfully purchased and paid for through this company, and when the mention of the failure of the airbag to deploy during the accident ( it was well within their XXXX mile warranty ), there was no reply, only the repossession response. I don't seek damages, I just want the erroneous report of a repossession removed from my file so that I may purchase another vehicle elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion is reporting fraudulent hard inquiries, on my report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Submitted dispute to all 3 credit bureaus for the following accounts listed below. Some accounts were deleted from 1 credit bureau but not from others that addressed same dispute. I requested deletion from each Credit Bureaus from the following accounts : 1 ) XXXX XXXX  Credit Card- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but XXXX and Experian did not. The 1st date shown below XX/XX/2024 states file was deleted from credit agency but 2nd date XX/XX/2024 states INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed items ) was verified as accurate ; however, other information has also changed ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations ) ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Product: Credit reporting

I have contacted equifax about XXXX that 's been reporting against my credit for more than over 7 years and they are refusing to remove it. Instead of removing the negative item, they keep changing the date to show that it 's not older than 7 years. Attach is a document that shows the open date to be more than 9 years old and I 'm hoping this action will finally cause equifax to remove this negative item from my credit file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX # XXXX, Experian, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
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  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: Debt collection

Kept receiving XXXX calls from this company. Called them at their phone number XXXX and got transferred to a rep who said my number belonged to a XXXX. I asked them to remove me from their XXXX called list and they repeated said " have a nice day '' and avoided all request from me to remove me from their robo call list as im clearly not in any debt to them or anyone. Proceeded to harassed me with more robo calls after i kindly asked them to stop. The number they have me under their system is XXXX. I've called and asked them to stop on XX/XX/2023 at XXXX. They've also called me countless times outside of their allowed called time zone as well.
Product: Mortgage

Caliber Home Loans added a stranger 's email address to my account and sent them my payoff documents with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mailed document was disappeared and it contains all my personal information including SSN. I want to freeze my credit as a prevention of identity thief. I created an account at Equifax and called them up but they want me to mail them copies of my two ID 's and fill out a form and provide all my personal data. I have created the account at them to avoid it. I need your help how I can freeze my credit.