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

My card was used XX/XX/XXXX and XXXX at a atm for XXXX  dollars. Both days the atm clearly was used multiple times with some of the transactions were for XXXX dollars because obviously they didnt know my limit for transactions. I reported this to Bank of America and they closed my claim once i ordered a new card and now reopened it after i called checking on the claim, now i have to wait 45 days and i have rent and a vacation that was already planned coming up
Product: Vehicle loan or lease

On X/XX/17 I purchased a Used XXXX XXXX XXXX XXXX through XXXX on XXXX, XXXX XXXX XXXX XXXX, XXXX, IL. They applied for financing for me through BMO Harris Bank. The amount financed was XXXX at an interest rate of 5.14 %. Since then I have called the BMO Harris Auto Loan customer service number XXXX to find out what the pay-out amount of my loan is because I want to refinance the loan through my credit union. Neither through the automated system or by talking to an agent has BMO Harris been able to give me that amount. The agents have told me that my loan is not yet in the system. Today I spoke with a supervisor, XXXX XXXX XXXX, who told me that it can take 4 weeks to " book '' the loan. I got the loan exactly 4 weeks today. He told me there is nothing he can do to speed up the process and that there is no way that I can go to a branch office today to pay off the loan. 
I 'm angry because BMO Harris is charging me their high rate of interest during this time that I wish to have already paid off my loan but can not.
Product: Debt collection

First Credit services located at XXXX XXXX XXXX XXXX New Jersey have been call and harassing me about a collection in the amount of {$110.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

I sent several time an FTC report with the credit bureaus and they came verified and this is fraud I sent the FTC report notarized. this is fraud.
Product: Money transfer, virtual currency, or money service

I created an account with Abra ( Plutus Financial ) on XX/XX/XXXX in order to store my cryptocurrency assets ( XXXXXXXX XXXX XXXX XXXXXXXX ). Upon account creation, I was not yet deemed a verified user until I provided identification as part of their KYC ( Know Your Customer ) program. One of the advantages of being a verified user is that I can not only store but also earn interest on my XXXX  assets. Thus, I provided a valid passport, passed their KYC check, and became a verified user. 

I was satisfied with the company 's services up until XX/XX/XXXX. This was when I tried to open my Abra account but a message displayed indicating that it was not accessible due to " compliance reasons '' ( see XXXX attachment ). Initially, I thought that this was due to the either the app not being updated or possibly due to the aforementioned KYC requirements. I re-installed the Abra app to ensure that it was updated. I also double checked my past correspondence with them to ensure that I had provided my passport as identification for KYC checking and that I was a verified user ( see XXXX attachment ). 

After ruling these factors out, I tried to contact their support team through the following emails : XXXX XXXX XXXX XXXX XXXX  I have been forwarding my concerns to these emails for around 2 weeks and I have still not received any response from the company. 

While browsing the web for possible solutions to my problem, I have learned that the company had gone insolvent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I realized that this was why the company was not addressing any of my concerns. As of now, my account is still inaccessible and I am unsure of the state of my assets.
Product: Checking or savings account

I was sent a letter in the mail from WellsFargo on on XX/XX/2021 informing me of my account being suspect of fraud. I did not receive the information until XX/XX/2021 as my mailing address is at my parents house and I am a XXXX. I followed up with WellsFargo the following day and found out a checking account was opened on XX/XX/2021 without my knowledge. There was no activity of the account other than it being opened. I have looked through my credit reports and have not found any obvious fraudulent activity including the opening of any bank accounts other than a slight drop in credit score. I am waiting for WellsFargo to contact me with more information into the case and was give a case number in the mean time.
Product: Money transfer, virtual currency, or money service

On XXXX I received a request for XXXX from my bank for XXXX  from someone I do not know. I dont know how they received my info or email I have Wells Fargo
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 : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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: Debt collection

Lockhart, Morris & Montgomery appeared on my XXXX  and XXXX credit report XXXX or XX/XX/XXXX. I disputed with the bureaus immediately and days later, the response from the agencies " debt valid. '' I then submitted to the XXXX  and asked them to contact my phone and this was refused. Too many unanswered questions with this I requested validation XX/XX/XXXX and confirmation of delivery XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have had multiple fraudulent things come up on my credit account in the last year and half. Ive had to dispute them, file police reports, and consistently call the companies and credit bureaus to notify them of these situations. The last one that took place is a {$600.00} collections on my account for a credit card company that I have never signed up for. I called the collection agency, credit bureau, and tried to submit my police report Information MULTIPLE times on Experians website that does not work at all. Then when I tried calling multiple times couldnt get through to even talk to anyone because the automated system wouldnt allow me a real person and would hang up on me. I have frozen my credit account, taken all the necessary steps to get this fraudulent thing removed and the credit bureau keeps denying my dispute. I have tried to contact them for help, and clearly you can see on my account it has been compromised multiple times before, not only that, I told experian and the collections agency that the email and addresses this person used to sign up for a credit card doesnt match any of mine and they still have the address wrong on my credit report! I need to file a complaint against the credit agencies on how extremely difficult it is to get in touch with someone for guidance on what to do, terrible website, and lack of communication. I need this issue resolved and removed off my credit report and need the credit bureaus to better assist with this.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX  XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received the credit card XX/XX/XXXX. Made on transaction amaynd the card was flagged as fraud. Waited until XX/XX/XXXX to get a replacement. Used the card and again flagged for fraud. However, this time I was traveling and had to sit in the hotel lobby for XXXX hour on the phone before I could check into my room. XX/XX/XXXX the card was then again shut off for fraud when I used it to purchase XXXX tickets. Spent another hour on the phone. Tried to make another purchase and again, same day, within minutes had to call back and speak to someone for another hour. XX/XX/XXXX, called to inform Chase I would be traveling and to not flag the card as fraud. The lady reassured me everything will go through and on XX/XX/XXXX, the card has been flagged for fraud. Not to mention I am XXXX states away and hundreds of miles from home. If I didn't have a back up to this rather shotty credit card company, I would be stranded. This company is the worst and I am going to make sure to tell everyone I know and have them tell everyone they know. What a joke and a waste of time. I have never experienced or witnessed something like this.
Product: Debt collection

From XX/XX/2023 to present Representatives from Nelnet , Inc. keep calling me XXXX to XXXX  times a day harassing me. I told them that I wanted them to cease and desist from calling me and to send all correspondence via email or mail. They disregarded my rights and continue to call. On XX/XX/2023 I sent a negoitable instrument to Nelnet Inc. to settle the student loan debt that claimed I owed them. Then on XX/XX/2023 I receive a letter in the mail from XXXX XXXX XXXX XXXX XXXX stating that Nelent , Inc. informed them that I was seriously delinquent on my student loans and I will be in default. The letter stated that my account will be turned over to the federal government for collection which could result in : XXXX of tax refund, wage garnishment, loss of federal student loan benefits and my account is being reported to the national credit bureaus which is damaging my credit score and ability to obtain credit.
Product: Student loan

EdFinancial continued to reverse my payment despite having the same autopay account in place causing me to incur fees and jeopardize my PSLF plan.
Product: Debt collection

Debt owed to American Express for XXXX. This debt collection agency Named XXXX XXXX started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.
Product: Credit reporting or other personal consumer reports

See attachment I paid the account in full and was supposed to be deleted from my file. However they gave me the roundabout.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND I AM NOT AN XXXX  OR HAVE I EVER BEEN INFLUENCED BY XXXX. Equifax had a data breach and I was affected. my information was exposed to different companies including a company in Texas called XXXXXXXX XXXX. Equifax was reporting An account from this company stating that I owe them {$1400.00}. I had no knowledge of this company And when I reached out to the company XXXX XXXX  to resolve this matter, they was not sure how my information was MIXED UP WITH ANOTHER PERSON in their system. After I submitted an identity theft complaint, I disputed the information to Equifax and it took MONTHS for them to take any action into removing the account immediately. Although the XXXX account was deleted, I was still affected by them reporting this account on my credit report and was denied credit based upon the inaccurate information on my report which was not fair to me what's so ever. As a Federally protected consumer, My privacy rights have been violated and under the Fair Credit Reporting Act that is a violation.
Product: Money transfer, virtual currency, or money service

( 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. ( 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX and AMERICAN EXPRESS XXXX
Product: Debt collection

Capstone Credit and Collections , LLC has claimed that I owe them money they are claiming that I owe them {$820.00}. I have no recollection of ever doing business with this company knowingly or unknowingly. I have written to them asking them for proof of this alleged debt and to provide me with a contract bearing my signature between us, and they have failed to do this. This is not a company I have ever done business with and they are unable to provide me with any proof that I have any sort of contract with them for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

On XX/XX/2019 I made an online payment through the loancare online payment website like I always do and got a confirmation email. 
3 days later I called to see why it was never taken out of my account and every day after that leading up to the XX/XX/XXXX and the lady assured me that by the XX/XX/XXXX it would be taken out. it never was. on the XX/XX/XXXX I then called my bank and they had no record of the payment being made or ever going through or trying to go through. 
On XX/XX/19 I made another payment with the same account doing the same thing being changed a late fee and getting an other confirmation email. 
My bank in return said the charge was fraud and returned the payment. I then had to make 2 payment in XXXX and now have a late on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. First off, how can I have 8 120 days late payments. Instead of 120 days late it should have been collection account. When I had talked to a person at the XXXX XXXX XXXX they had said to me they would restore my account in good standing if I had made 8 payments on time and paid the account in full. This is not the point apparently since I am still dealing with this account. Also I had made the payments to this about in XXXX into XXXX not XXXX into XXXX but apparently this is wrong as well. You can see the information is wrong.
Product: Credit reporting

I have disputed with Experian credit agency over XXXX accounts that appear on my report which are XXXX and XXXX XXXX. Both of these accounts have reached the 7 year limit and were removed successfully from the other XXXX reporting agencies but of to no avail Experian refuses to delete these old accounts. I would like these XXXX accounts removed immediately.