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

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX  XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Optum Bank, a state-chartered bank headquartered in Utah, is required by state law to provide a valid and accessible phone number to the Utah Department of Financial Institutions ( DFI ). This number must connect to an employee or representative who is capable of answering or promptly responding to messages. According to the Utah Code and general regulatory standards for financial institutions, customer service accessibility is essential to ensure accountability and responsiveness in banking operations. 

As displayed on the DFIs website ( XXXX XXXX XXXX  ), Optum Bank has provided the contact number XXXX for public inquiries. This number, however, consistently leads to voicemail, with no follow-up or response from a live representative, which constitutes a failure to provide adequate access for accountability and communication with customers and regulatory bodies. Optum Banks lack of responsiveness appears to be a deliberate effort to avoid accountability, contravening the transparency obligations of a state-chartered financial institution.
Product: Credit card

I had two credit cards with Capital One. One opened XX/XX/2023, one opened XX/XX/2023. I had one returned payment on the older card. Capital One immediately closed it, before I could male a replacement payment. 

Capital One then closed the second, now card, before I even activated it. 

Capital One did not even notify me that the second card was closed. I found out when I logged into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 XXXX reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Product: Payday loan, title loan, personal loan, or advance loan

Company : Klover Product : Money transfer, virtual wallet, or cash advance app Issue : Unauthorized transactions or problems stopping payments What happened : I revoked my authorization for Klover to debit my bank account, in accordance with my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693e ) and Regulation E ( 12 CFR 1005.10 ( c ) ( 3 ) ). I provided written notice of revocation.

Klover refused to honor my revocation and insisted I could not cancel the authorization, which violates federal law. 

I protected my account by moving my funds before Klover could attempt any further withdrawals. 

Importantly, I also revoked authorization with six ( 6 ) other similar cash advance apps during this time, and all of them complied immediately without dispute. Klover was the only company that refused to respect my lawful revocation. 

Their refusal to comply not only violates consumer protection laws but also exposes consumers to unauthorized withdrawals and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've disputed the validity of XXXX loan ( might be under another name now ) on my credit report and all other credit reporting agencies removed this from my report ( upon investigating validity of information ), with the exception of Equifax. This information should be removed to align with factual investigation from the other credit reporting companies XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There are multiple lines of credit open through XXXX XXXX XXXX XXXX that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through XXXX bank that is open, a JC Penny store credit card ( possibly the one through XXXX ), and 2 other names besides mine on my credit report. None of these things are mine.
Product: Credit card or prepaid card

I got approved for social security back in XX/XX/2020. I was residing in XXXX ny where my social security direct express card was being mailed to. I was told I had to move out before my card arrived. On XX/XX/XXXX my card was opened, activated using my social security number, and used without my knowledge. I recently found out where and when these transactions happened, and I haven't yet even seen the card .... I contacted direct express to file a dispute, a week later, they closed the investigation stating there was no unusual activity from my card. She received three payments. XXXX was {$46.00}, XXXX was {$800.00} and XXXX was {$780.00}, which altogether was {$1600.00} I have contacted the police, and since I have all the times, where these happened and when, the police are now waiting to catch her on camera and the report was sent over to the DA : s office, they are waiting to hear exactly what they can charge her with, and she's moments away from being arrested. Please, that. {$1600.00} is for me to live and It's already proven these transactions were not me. I'm asking for a real investigation into direct express so that I may receive a refund that I am entitled to. It wouldn't let me attach the documents that are needed here ....
Product: Checking or savings account

In XX/XX/XXXX I opened a cryptocurrency account with COINBASE and bought : Ethereum XXXX ETH on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I hadn't had any problems until XX/XX/XXXX I received an email saying my account was under review for a few days. Time passed and the account status did not change. I could not trade, buy, sell, assign a payment method. I have made numerous complaints to the COIBASE support service sinceXX/XX/XXXX, I have even sent again, verification of documentation required for my identification without any favourable result. I open the incidents, they reply automatically saying that they receive the case, but they close it without resolution. And so on and on and on until now. The last request has been XX/XX/XXXXand the case has been closed XX/XX/XXXX with the same answer, closing the issue and it hasn't resolved ( Case # XXXX ). This is because i'm writing to you. 

I have many cases closed : Case # XXXX, # XXXX, # XXXX, # XXXX and more. 

Could you please mediate, so that I can sell my cryptocurrencies and recover my investment? 

Thank you in advance, XXXX XXXX
Product: Credit card or prepaid card

I have a American Express Bluebird prepaid card for a couple years now. I use it ifor everything I recently I been on vacation this last week and two days before I was headed home I try to use my card and it got declined so I called the company right away and they told me that somebody was able to get on to my account to change my information and get a new card sent to different address. I've been on the phone with the company for 3 days and I told them that all my money that I had went on to that card it was {$1500.00} I told them that I I was stranded thousands of miles away from my house that I need to get home I rented a car it was on that card my rent my way to get home everything they told me I'd have to wait till the XXXX to get it done I don't understand it's my money I need it right now didn't make a purchase or order a new card I thought they had the protection against that but I guess not I'm down in out an have tried everything and am getting no where with American Express. I have no other money I'm stranded with my son. There's got to be something that could be done??
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following inaccurate and unverified accounts that have been reported across TransUnion, Experian, and Equifax. These accounts are erroneous, falsely reported, and have not been properly validated per the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have identified discrepancies and accounts that I never authorized or agreed to, particularly those from collection agencies that have failed to provide proper validation for the alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 must not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account as open-ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX I filed chapter XXXX b.k. with my spouse. My primary home loan and house was with JP Morgan Chase. From XXXX forward Chase did not report any activity on my account. In XXXX of XXXX Chase sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was in XXXX XXXX. I went into the branch of Chase here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. Chase refused to change their two remarks regarding the sale of the mortgage. I complained to XXXX XXXX via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on XXXX XXXX. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 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 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 An 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. 

GOVERN YOURSELF ACCORDINGLY.
Product: Debt collection

NATIONAL CREDIT ADJUST is claiming that I owe them {$600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
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 has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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: Other financial service

Back in XXXX of XXXX I had credit card debt. I regretfully signed up with United Debt Counselors to try to help me. They took close to {$5600.00} from me and did nothing. When I withdrew from this program I they refused to give me all of my money back Just gave me {$960.00} When I called the credit card company they advised me to wait until The accounts " charged off '' and I would work a payment plan with them. I spoke to them on XX/XX/XXXX. When I called them on XX/XX/XXXX, the day they suggested and they told me it was already sent to a third party. When I called the third party they said it was transferred to an attorney. When I called the attorney they would not speak to me. They need to speak to United Debt Counselors. I am no longer with the fraudulent company. But they refused. All I wanted to do was do the right thing and I have been given the run around and getting deeper and deeper in debt. Please help me.
Product: Checking or savings account

Card was lost a long with other personal possessions on XX/XX/year>,, noticed unauthorized transactions the next day XX/XX/XXXX, amounts {$180.00}, {$180.00}, {$24.00} and {$84.00}. I had information on my phone which was also lost showing my pin and passwords. Adp card service also known as wisely declined the claim and am pending receipt of the determination letter. This presented financial hardship for my family and myself. I am in the process of submitting an appeal and would like to request assistance in the matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, which violates the Customer 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.

Therefore, 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: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account twice with the credit bureaus and they came back and stated verified. I have documentation that they verified it. I also have documentation from the creditor indicating that I was never late in XX/XX/2019 since the loan was paid in full on XX/XX/2019. So how can this be verified when the loan was paid on XX/XX/2019, and the month has yet ended? This is a violation of the Fair Credit Reporting Act, reporting inaccurate data on credit report.
Product: Debt collection

I was on a payment plan, paying $ XXXX/month. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on Equifax XX/XX/2018 No Contact Information Available I have no knowledge of this inquiry nor I had given authorization for such. Please remove. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

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 and XXXX XXXX XXXX
Product: Checking or savings account

I went to make an external transfer. 

Blocked, even though I had made one just days prior. 

I called. They said they " couldn't verify my identity. '' They're mailing me a PHYSICAL LETTER to verify my identity, which makes no sense. I've lost all trust with Citi bank. My account is frozen by their incompetency.
Product: Credit card or prepaid card

Applied for Citi double cash credit card on XX/XX/18. Received letter dated XX/XX/18 on XX/XX/18 stating " We reviewed your application and can't approve it because we couldn't verify the accuracy of some of the information you provided. '' Called Citi on XX/XX/18 and spoke with representative who told me that they could not give me any further information about what information I provided that was unverifiable. Spoke to supervisor who told me that there was no person who could look into the system and tell me what information was not verified for accuracy. Was not afforded an opportunity to check the information I provided to see if I made a mistake or verify it was correct and look into why their application process failed to verify. Was left with no recourse to correct information so that my application could be reviewed and considered on its merits.