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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX- 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Accounts XXXX  XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX Department Of Education XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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: Debt collection

This company keeps calling and interrupting me at work, using profane language and not identify themselves besides breathing hard over the phone. I am scared that I might lose my job because I feel intimidated by their phone calls while I am at work and I am scared for my family and our livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : Dept EducationXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau** **Subject : Dispute of Unauthorized Account on Credit Report** Dear Sir/Madam, I am writing to formally dispute the presence of an account listed on my credit reports with XXXX, XXXX, and Equifax . The account in question is identified as **XXXX XXXX XXXX**, and it is a revolving credit card account with a derogatory status. 

# # # Disputed Account Details : - **Account Number** : XXXX - **Account Type** : Revolving ( Credit Card ) - **Bureau Code** : Individual - **Account Status** : Derogatory - **Monthly Payment** : {$0.00} - **Date Opened** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Balance** : {$21000.00} - **High Credit** : {$21000.00} ( XXXX ), {$20000.00} ( XXXX ) - **Credit Limit** : {$20000.00} ( XXXX ) - **Past Due** : {$21000.00} - **Payment Status** : Collection/Chargeoff - **Last Reported** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Last Active** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) # # # Discrepancies and Reasons for Dispute : 1. **Ownership Dispute** : I have never opened, authorized, or had any association with this account listed under my name.

2. **Unauthorized Usage** : This account does not belong to me, and I have not made any payments toward it.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this unauthorized account on my credit report violates the FCRA , particularly Section 611, which ensures the accuracy of information reported by credit bureaus. 

# # # Requested Actions : 1. **Investigation and Removal** : I request an immediate investigation into the origin of this account and its erroneous association with my credit report. Additionally, I demand the removal of this account from all three credit bureaus ' records.

2. **Notification** : Kindly provide me with written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates accurate and fair reporting of consumer credit information by credit reporting agencies. The unauthorized listing of this account violates the FCRA 's provisions, including Sections 611 and 623.

Enclosed are copies of my credit reports highlighting the disputed account, as well as any supporting documentation affirming my claim of unauthorized account ownership. 

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and rectify the inaccuracies on my credit reports promptly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bad customer service and rude and nasty people and they don't care about American XXXX act and identity theft or fraud
Product: Bank account or service

Bank of America assessed a fee for monthly maintenance ( {$12.00} ), without ever properly noticing me of the changes in the terms of my account. I had been a customer with no fees on a checking account since 2009. I would have happily avoided the fee by maintaining a minimum balance or a direct deposit. In fact, I transferred money out of the account, which would have avoided the fee, but I did n't know these new conditions applied. I pleaded with Bank of America to waive the fee due to the lack of notice, without any luck. Instead, Bank of America will lose my business for {$12.00}!
Product: Mortgage

My name is XXXX XXXX I hold a Mortgage with Central Mortgage for my home in CA. where I reside. 
The XXXX XXXX Loan I held allowed for a {$5000.00}. deduction in the mortgage if the payment never went over 90 days. 

In XX/XX/XXXXCentral Mortgage made an error in improperly crediting my account. 
The Supervisor at the time checked the recording of the transaction and determined I was correct, and that the error was indeed on the part of Central Mortgage and the payment had been made in time. Throughout the loan period I have inquired to make sure that the error on Central Mortgages part was indeed noted and that there was nothing standing in the way for the {$5000.00}. mortgage deduction to take place. NOW in XX/XX/XXXX when I have noted the {$5000.00}. was not noted, I am being told it was because of this Central Mortgage error and that I di not qualify. I have written and made numerous calls to Central Mortgage Loss & Mitigation and their general Consumer Dept. with no resolution. PLEASE HELP! Thank you.
Product: Credit card or prepaid card

I contacted Capital One on XX/XX/XXXX regarding a charge from XX/XX/XXXX on my card. The charge is from XXXX XXXX XXXX in XXXX Texas for {$90.00}. I did not make it charge and reported as such. capital one has now come back to me to say it was not fraud because they say my card was present at the transaction, I still asked for more information and they are unwilling to give it to me or give me a refund. I want to know the physical address where the purchase was made with an exact time of purchase. I do not see why capital one can not help me with this request but they refused - saying its not fraud because the card was present. I want a physical receipt with details. Did they even contact the merchant? Please help me get actual customer service. 
I live in California, not Texas, and did not leave my house that day.
Product: Credit card

XXXX wrongfully reversed a {$1000.00} charge made on XXXX XXXX after a customer stayed in our facility for 30 days. We provided accommodations and the customer disputed the charge to receive a free stay. We provided XXXX footage, text messages, driver license photo, terms of use signature, and witnesses that the customer used our services for the duration. XXXX deducted our monies, and even charged us a chargeback fee. We took the customer to court and the Judge agreed we must get paid. We charged the XXXX card for the exact amount on the court order. XXXX ignored the court order and reversed the charge again, charging us another chargeback fee. We demand to be paid for the service, and for the small claims judgement we sought and won. XXXX is siding with their customer, and ignoring our legal proof of stay and court order. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX judgment entered XX/XX/year> at the XXXX XXXX XXXX. 

" The Court finds Proof of Service of the Plaintiffs Claim and Order to Go to Small Claims Court and notice of today 's hearing is satisfied. Party submits evidence for the Court 's review. The Court having reviewed all evidence rules as follows : Court orders judgment entered for Plaintiff XXXX XXXX against Defendant XXXX XXXX XXXX on the Plaintiffs Claim filed by XXXX XXXX on XX/XX/year> for the principal amount of {$1000.00} and costs of {$30.00} for a total of {$1000.00}. Notice of Entry of Judgment filed and mailed to all parties, and Judgment Debtor 's Statement of Assets mailed to the defendant. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new vehicle on XX/XX/XXXX, my lender, INNOVATE LOAN SERVICING has not reported my last " 5 '' car payments made to them have " not been reported '' to the credit bureau. I was supposed to get my car refinanced by the XXXX XXXX XXXX where I bought my vehicle, because my payment is currently so high, and when I called my salesman XXXX a couple days ago, he told me he could not refinance the vehicle because NO PAYMENTS, 5 payments have not been reported to credit bureau at all. When I called INNOVATIVE LOAN SERVICING I was told they have a " GLITCH '' in their system, and to check back with them in '' XXXX '' to see if it was fixed yet, really unreal and illegal I would think!! I really need to get this refinanced, as It is very difficult to make these {$600.00} car payments every month right now. Their information on their bill is as follows : Innovate Loan Servicing XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone # XXXX Thank you, XXXX XXXX XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These companies ran my credit without authorization I want them removed here is a list of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested my consumer report from XXXX XXXX XXXX, I was alarmed to find out that Capital One 360 reports a savings account in my name which I never opened. Bank Name : CAPITAL ONE 360.. This is FRAUD/Identity Theft.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I began using the XXXX XXXX XXXX XXXX  about XXXX months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my Experian or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within XXXX months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that XXXX might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with XXXX, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.
Product: Credit card

i ahve yet to have the capital one issues resolved appropriately p XXXX lease have someone from viriginia contact me not someone else who does NOT address what i am asking to be addressed. various issues remain unresolved re credit and a business checking acct i can not use my accounts til addressed
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have been a customer of your Netspend Debit card for many years and up until now, I have been happy with the service. Until this past XXXX, when {$350.00} was stolen from my account and Netspend did an investigation and determined that they could not find any evidence to prove the money was stolen. Even with my card, I am only allowed to take off {$300.00} per visit and up to {$940.00} maximum a day. But the person who copied my card was able to get off {$350.00} at the XXXX  XXXX XXXX ATM in XXXX XXXX. When I tried to get more than {$300.00} in a single transaction, I am told that I have gone over my limit for the day. So I try again for just {$300.00} and it works. I usually take off {$300.00}, {$300.00}, {$300.00}, than {$100.00} for my rent. ( You can see my past transactions in my account summary ). FYI, I have already spoken to XXXX about their card reader they have on the outside of their bank and told them I think it is a phony, and they agreed to check it out. The last time I went by there, they were performing maintenance on the door and the card reader, so at least they took me serious and it has probably affected others. 

I did exactly what I was told to do. I reported that I got an alert that {$350.00} was taken out of my account in the middle of the night while I was sitting on my couch at home and I went on line and saw that it was taken in the middle of the night. It was posted on Saturday, XX/XX/2021 in the evening at XXXX in XXXX XXXX ( Details attached ) from the above mentioned XXXX. 

They immediately reported the card stolen and closed that card and re-issued me another one. They opened a claim to find out what happened. They said it would take a month, in which it did and they said they would come to a conclusion on XX/XX/2021. I called them on XX/XX/2021 to find out what they found out. 
They determined that the money was taken out of the same ATM that I frequent ( no kidding ) and that my pin was used to get this cash. I dont see how that is possible, since I had the card on me and NO ONE ELSE HAS MY PIN NUMBER. 

So I what I would like to know is, are any of you going to do something about this and really investigate and give me my money back or do I have to take this to court and sue XXXX, XXXX XXXX XXXX XXXX XXXX and Netspend, because it is now NOT about the small amount of money, its about an institution ( Netspend ) that I have used for many years and have trusted with my money, now saying I am a liar and a thief. 

Just a matter of fact, I have worked with and continue to work as a Legal Assistant in one of the most largest and prestigious law firms in California and the country and have many contacts here who would be happy to help me in my defense. This not a threat, but an absolute fact. 

I await your response. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : I did XXXX XXXX XXXX, the total fee is {$5700.00}, and the clinic set up installment payment with a monthly payment of {$230.00} using Synchrony Care Credit Card and pay the total within 2 years. 
XX/XX/XXXX : I Received a huge amount of interest charge on the credit card, saying that I have not paid in full within two years and therefore demanded a huge interest fee of {$3300.00} I checked the reason why I didn't finish the payment : 1. The credit card company changed my monthly payment into a minimum monthly payment of about {$130.00} without my authorization. 2. They added me to the card security plan without authorization. I did not agree on all of the changes and the company did not notice me at all! 
XX/XX/XXXX : I called them more than 10 times to ask why my monthly payment was changed and they charged me card security fee every month, with a total amount of {$2000.00}. They claimed it's a promotion, but what kind of promotion is this! I did not say yes to this neither did they notify me. This a scam and a fraud! 
XX/XX/XXXX : After arguing with them, they promised they will refund the entire card security fee, but they only refunded {$900.00}, not {$2000.00}. They still owe me {$1100.00}! 
XX/XX/XXXX : The credit card department told me that my due date is XXXX. If I can pay off the remaining money before then, all the interest ( the {$3300.00} they charged me ) will be refunded, but I told her that my remaining includes card security plan {$1100.00}. Credit card department suggested that I have to wait for the card security department to refund me before paying the remaining balance. 
XX/XX/XXXX : The card security department promised me to refund the money but still didnt refund it. As a result, I still couldnt pay off my credit card fee. They promised me that their supervisor would call me in one day. However, neither my husband nor I have received a message so far. I have returned to my own country on XX/XX/XXXX and told them please contact my husband, but there is still no updates. 

In conclusion, I should only need to pay {$1800.00} to credit card department, because from XXXX to now, according to my payment record from XXXX XXXX  I've already paid {$3800.00} ( Total surgery fee is {$5700.00} ). I should receive {$1100.00} refund from the Card security department first and then, I can pay {$1800.00} to credit card department, as the credit card department promised, they can help me waive all interest if I can pay off by my due date XXXX. However, I haven't received the {$1100.00} refund of card security fee, and I don't know what to do if they lied again. They also threatened me that if I failed to pay in full on due date XXXX, they will charge more fees. I'm very scared and very sad. 

I am not in the US now and will be back on XXXX. I already info them to contact my husband but we still didn't receive any information and we are really scared if we will be charged more.
Product: Checking or savings account

This has been an ongoing issue with their OD charges. I would use my card and have the funds available, and Ill see the items on my account a pending authorization. As soon as the items post my account is negative and Im getting NSF fees for items that were already pulled from my available balance. Ive been told multiple time how they post items and I follow what theyve told me but Im still getting fees and the run around. No one wants to correct look into this issue. Ive been mislead by this bank time and time again.
Product: Vehicle loan or lease

I called the number on my statement 3 times. The first 2 times, there was no one available to answer my questions. I asked for someone to call me back and that never happened. The phone is answered by people who seem young and uneducated as to the nature of their job. I know companies these days like to hire young inexperienced people who they don't have to pay. So maybe that's why. I remember when companies had integrity, What a shame. 
Yesterday, XX/XX/2021, I spoke with a woman named XXXX who ended up hanging up on me while I grew increasingly frustrated by her non-sequitur answers after being on hold for 20 minutes, waiting for what ended up being not only NO help but further stress and confusion. She did not know if extra payments were applied to principal or interest. " It depends '' was her answer and she seemed to suggest that a few late payments were responsible. I had handled those late fees by phone when they happened. I'm sure a few late days did not eat {$900.00} The issue : Additional payments were made on my account totaling {$900.00}. Nevertheless, I still owe the full payment as if I made no additional payments over the course of the loan. I only have 2 months left on the 60-month loan and when I re-calculated an amortization schedule, It shows that I owe next to nothing ( {$5.00} ) for the last 2 months, which makes more sense than the balance shown on my statement owed- which is {$680.00}