23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX continues to certified that information IS CORRECT BUT HAS YET TO PROVIDE INFORMATION. 

Delete this account for Violation and inaccuracy because the date open of the account the XXXX  XXXX XXXX Account XXXX reported is incorrectly on Experian, XXXX and XXXX ; again the DATE OPEN is incaccurate. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Product: Credit card or prepaid card

Hard inquiry placed under my name, called and attempted to explain situation they stated hard inquiry would be removed but it has been longer than 30 days and it is still on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know that account in the document included below are not to be visible on my consumer report. I never gave them permission to report them. 

Accordint to the law 18 U.S. Code 1028A - Aggravated identity theft whoever, during and in relation to any felony violation enumerated in section ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided by felony, be sentenced to a term of imprisonment of 2 years.
Product: Prepaid card

Based on the marketing of American Express, I now have 4 Amex gift cards with {$200.00} each on them and I can not use them anywhere. AMEX is illegally keeping my money from me. They engaged in false advertising to mislead consumers into getting these cards with the promise of being able to use them universally, which is patently false. I can not find a single retailer to accept my gift cards as payment. They are universally declined. I have spent multiple hours speaking with agents on this issue and have only been told that the card can be used anywhere. Further to my dismay, I was told that the website on the back of the card provided to check your balance may or not be a fraudulent website so to not trust that either. These cards need to be discontinued as they are falsely advertised and do not function as viable commercial substance. The never-ending list of companies that will not accept these cards as payment include vital gatekeepers such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. AMEX simply gets to hold onto the funds illegally by having a product that can not be functionally used. This is totally unacceptable business practice and needs to be dealt with accordingly.
Product: Credit reporting or other personal consumer reports

THE STATUS AND BALANCE, ETC OF THIS ACCOUNT ON MY CONSUMER REPORT IS INCORRECT. ACCORDING TO THE FCRA IT IN VIOLATION OF THE FCRA. 
XXXXXXXX XXXX. PLEASE CORRECT THIS INFORMATION.
Product: Credit reporting or other personal consumer reports

innovis is reporting information without my consent also i have send police report on the account thats reporting without my consent i dont owe these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i upload a police report twice made a new as well with lard see attachments these company violated my right to privacy 15 U.S 1681i
Product: Debt collection

I received a phone call on XXXX from an unknown Massachusetts phone number. I placed a call back at XXXX and a woman answered the phone laughing with one of her co workers. I was alarmed immediately at the lack of customer service. She informed me of an account for XXXX  cable in her office. I began to ask some simple clarifying questions in regards to the account. She tells me she can not tell me the date the file was placed with her and that this would be reported to the national credit bureaus. She then proceeded to tell me that I NEED to pay my bill. I felt very abused and felt as though she was trying to force me into paying. This felt very abusive and unfair. This seemed to be a means of deception to force me to pay my bill. I then placed a call back at XXXX to speak with a supervisor to file a complaint and inform her I felt the last agent was in violation. I informed her of the agent laughing and the supervisor places me on hold and comes back and tells me she listened to the call and thought the agent was coughing, this was a blatant lie as the agent was clearly laughing with her coworker with her phone not muted. I asked the supervisor how they handle files when agents violate the fdcpa and her response was that they look into it but the files still remain open and active. I continued to ask about the account and what would happen. I asked her why a company from Texas is calling from a Massachusetts phone number and she says they call with phone numbers based on the state I live in. She knew I lived in Maine which was another lie by the supervisor. I felt as though she did not care at all about my phone call and my complaint in regards to the previous agents violation. I asked to speak with someone above her in the company. She proceeds to transfer me to a voicemail box of the executive relations office. I left a voicemail and was told I would receive a call in 1 to 3 business days. As of today I still have not heard back from that department. So I placed another call today XX/XX/XXXX and spoke with an agent. And once again was shocked at what I was told. The agent told me that this would be reported to the credit bureaus by end of week and that this would LOWER my credit report and that if I disputed the account it would look NEGATIVE on my credit report. I asked the agent when the file was placed with them and she told me on XX/XX/XXXX and that they sent one letter and it was returned as they had an old address. I then asked how many times they had called. She said only the call on XXXX. She then proceeds to tell me they are calling my cell phone on an auto dialing system. So this agency has made no efforts to contact me and has violated the FDCPA in a few ways. They are misleading. Abusive. And seem not to care about regulations or treating consumers professionally and abiding by the FDCPA. I want this file closed with this agency immediately and returned to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

FRAUD A man called me about student loan forgiveness.. gave me all these details and knew all my information.. but when I called back to extend the pay date.. the phone # provided rang busy all day.. I immediately assumed it to be fraud. I am calling my financial institution now to block it.. 
THE INFO I WAS GIVEN : studentaid.gov XXXX usee name XXXX pswd XXXX {$16000.00} interest {$390.00} total {$16000.00} FORGIVENESS XXXX XXXX OWED STILL PLAN : SAVE PLAN 8 PAYMENTS OF $ XXXX XXXX PAYMENTS OF $ XXXX XX/XX/year> 1ST PAYMENT DUE!! 
CALL TO CHANGE!!!! 
XXXX XXXX XXXX And if I paid {$1000.00} that day my whole loan would be forgiven...
Product: Checking or savings account

Hi My name is XXXX XXXX I have some issues with PNC bank since XX/XX/2021. 
I have seen it on XX/XX/2021 some unauthorized activity in my account ending XXXX from my PNC account so I contacted my bank and let them know that I did not authorize those transactions with XXXX XXXX and XXXX and XXXX  and I file complaint with them so I when to the bank branch filled up dispute about it those transactions but they never give me my money back .the unauthorized transactions was made from XXXX for thee time {$100.00} and one time {$80.00} and four times {$250.00} from XXXX XXXX and another {$400.00} from XXXX XXXX and another 1000 from XXXX and all transactions together was {$3800.00} the bank never give me my money back. 
So please consider my complaint because Im struggling to make it living l will appreciate it if I have response from you Thank you Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, XXXX, and Experian. The following documentation is provided from the original creditor of the payment and therefore XXXX, XXXX, and Experian credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/19 ... I went online to balance credit. Com. After receiving 2 mail offers of pre approval letters of a install loan up to 1400.00 On XX/XX/19 I went online, completed the application and was advised I was approved for a amount of XXXX dollars. I called the csr li n.v e and they told me I would receive the funds in my account the next day on XXXX.. well later on in the day I log back on to check the first pay date and seen my app was now closed I called and the top told me I was denied with no explanation. I asked how could I be approved one min and denied the next even after giving my full bank information. Now no o w can tell me why it denied but they have ran my credit and has all my bank info. I'm filing a complaint for false advertising and fraud on my account.
Product: Debt collection

I texted with Eastern Bank customer support today. They claim I was late and they are not allowed to remove accurate remarks. They said responsibility 100 % falls on me to pay on time and its not their fault if they do not inform me if payment is due. This just feels absurd. 

My original load was through XXXX bank. Eastern bank purchased century bank. I did not receive mail, phone call or email explaining the change. I sent a check to century bank last summer, it was not cashed sent back. I contacted XXXX bank and they did not respond. 

It sounds like the merger was a mess and I am being punished. It does not seem fair. 

Then my credit got damaged for late payment. I paid the balance in full when their collection agent called. I responded to the first call.
Product: Bank account or service

I opened a Cap One XXXX account in XXXX 2016. I use it as my primary financial accounts for Checking and Money Market. My monthly transactions consist of my XXXX paychecks that are direct deposited to my Money Market along with various monthly rent checks from my investment properties. Currently I have almost {$100000.00} in both of my accounts. Around XXXX/XXXX/16, Cap One XXXX posted on my on-line account that my " Funds are currently unavailable for withdrawal. Please call us at XXXX ''. I have called the past few days to find out why. Each time I called I was on hold for over 1 hour and finally hung up without taking to anyone. Today, XXXX/XXXX/16, I was able to talk to a representative waiter 30 minutes on hold who then said he had to transfer me to the Customer Security Team who is the only source that can discuss with me why my account was put on hold. He said it would take only another 10 minutes on hold. Forty five minutes later, I am still on hold .... apparently I was told by multiple reps that they have experienced higher than normal wait time. Several of my monthly autopay bills, such as my monthly mortgage payment is at risk until Cap One resolves this issue. I requested Cap One to send a check to my renter who lives in XXXX, VA from my checking account last week. Cap One did not issue the check. After multiple attempts to contact Cap One XXXX, I am very concerned that I ca n't reach Cap One to find out why my funds are not available for my use and more importantly Cap One has made no effort to contact me directly in this serious issue. I have no access to accounts to withdraw cash or pay my bills. My credit score will be negatively impacted and I am potentially at risk for my mortgage default since I ca n't withdraw funds. I visited the Cap One brick and mortar branch who basically said they can not help me only Cap One XXXX. I need assistance on how I can access my funds at Cap One XXXX. How pervasive is this bad business practice that Cap One XXXX uses to hold customers accounts hostage? Customers are not able to reach the Cap One XXXX team to obtain validation as to why there is a restriction for no reason. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXXXXXX 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 this item 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: Money transfer, virtual currency, or money service

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, their dispute resolution proce 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
Product: Debt collection

I do n't owe this amount it has date of  XXXX  opened for {$100.00} I was never notified that I owed any amounts I could have provided proof and dispute it they sent straight to collections
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX  I logged into my USAA account and applied for a CC. Shortly after I received notification that my account access had been locked and that I needed to verify my identity. I was provided a link to upload a picture of my driver 's license front/back. I immediately uploaded this information. Today is XXXX and I still do not have access to funds. My checking account has a {$0.00} balance but I have no access or ability to transfer funds from my savings. The bank has told me I have to wait 72 hours to find out why my account was locked and for them to verify my ID.
Product: Credit card or prepaid card

XXXX who manages XXXX XXXX is holding onto extra funds and they claim the extra funds are a preauthorization from the merchant. I made a payment using XXXX XXXX by linking my XXXX XXXX card to my XXXX XXXX. The hotel I live at, billed my XXXX XXXX for {$51.00}. XXXX is holding an extra XXXX XXXX claiming that its a preauthorization from the merchant. I have verified with the hotel and XXXX XXXX that this is not true. I have a receipt from XXXX XXXX for the {$51.00}. The merchant did not preauthorize for a greater amount. The hotel is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Fraud since XXXX. I have provided Early Warning Systems ( EWS ) and XXXX XXXX with a police report, identity theft affidavit, 2 personal affidavits, statements and correspondence from all financial institutions showing that this has been an ongoing issue and most of them after realizing it was indeed fraud they emailed me and had claims approved. All documents were sent by mail as a certified letter. The 2 companies have also been emailed these documents as well. EWS and XXXX XXXX have failed to uphold any rights I have as a consumer even when faced with proof. They have not removed any of this info. This information continues to negatively affect my credit which affects my financial well being. This has been catastrophic and has led me to pay XXXX of dollars to clear my name in court and most of all doing credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit inquiry on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Az XXXX 2. XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX 7. XXXX XXXX inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX
Product: Mortgage

Carrington Mortgage has been over charging me on escrow since the man was transferred to them from XXXX XXXX XXXX. At first they were charging me XXXX for my mortgage after being reported it went down to XXXX. This was still to much as they were charging me based on a XXXX property tax payment in XX/XX/2019, but the payment was only XXXX. XXXX knew that the payment was not XXXX and continued to charge me over 150 dollars per month extra for escrow. Even after making the payment, they refuse to make the proper adjustment.
Product: Debt collection

back in XXXX XXXX I told one main thing a financial not to contact me. I told them to not contact me when I called them back and I was told I was on there do not call list. they called my house at XXXX this afternoon. I called back at At XXXX and told them I was on the do not call us not to call me ever again. To listen to the recording when I called the last time not to call my number. They are in violation of my rights I said do not contact me back XXXX XXXX and XXXX and they continue to contact me
Product: Payday loan, title loan, or personal loan

I tried to make arrangement to pay off the amount with company but was unable to so I asked on how to stop ACH so I can send payment in at a future time. I was told to send an email and it would stop. 
I sent an email to request to stop ACH on XX/XX/XXXX and on XX/XX/XXXX they with-drawled XXXX and I was also charged NSF XXXX. I spoke with XXXX and she said it was their error and I followed everything I needed to do. I then again emailed and called her 3 more times and each time I was getting the run around. On XX/XX/XXXX I was credited the NSF fee but not the original amount. I again sent an email asking me to send my bank statement which I did a week ago more runaround or delayed tactics. 

I could not pay my other bills which also cost me more NSF fees. Bottom line is that they took out money from my checking account illegally and admitted wrongdoing but has not fixed the problem.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple inquiries from your company on my credit report that I didnt authorize.
Product: Credit reporting or other personal consumer reports

Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. 

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. 

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within 30 days, as required by the GLBA