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

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like XXXX, XXXX and Transunion, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information.

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like XXXX, XXXX and Transunion aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}
Product: Money transfer, virtual currency, or money service

I am fling 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 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 ( 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 ang 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 1 seek appropriate redress for these violations
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally file a complaint against Wells Fargo regarding the unauthorized reversal and illegal retention of my funds totaling {$1000.00}, which was transferred to XXXX XXXX XXXX XXXX on XX/XX/year>, and subsequently reversed by Wells Fargo XXXX XX/XX/year>, without justification. 

Prior to this reversal, I had closed my Wells Fargo accounts due to my relocation overseas, which was duly noted by a bank representative. Despite this, the transfer was reversed without notification or valid reason, resulting in significant financial harm, including a penalty of {$250.00} due to insufficient funds. 

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} for insufficient funds Reason for Account Closure : Relocation overseas Violation of Rights : Wells Fargo 's actions appear to violate consumer protection regulations under the Electronic Fund Transfer Act ( EFTA ), which safeguards my right to complete and authorized fund transfers without wrongful reversals or retention. 

Thank you for your time and assistance. Please contact me at [ phone number ] or [ email address ] if you require any additional information. 

Sincerely, XXXX XXXX
Product: Student loan

I applied for a XXXX dollar loan with XXXX XXXX to attend XXXX The XXXX University In XXXX for Fall of XX/XX/2018. XXXX took the money before I ever even got to register for classes. I attended there for less than 24 Hours and came back to US and Informed XXXX XXXX That they needed to Cancel the Loan seeing that I wasnt a student at XXXX. XXXX XXXX said they couldnt Cancel because XXXX Took the loan already but XXXX took the loan during the summer before I was Officially a student. Ive asked XXXX XXXX and Have tried to explain my situation to XXXX XXXX and explain XXXX Fraudulent Actions and they have been no help and the XXXX is putting a big toll on my family.
Product: Debt collection

FFCC-CLVLAND ( Original Creditor : XXXX XXXX XXXX ) date opened ; XX/XX/2017 {$480.00}. 
I personally does not recognize this service. I've tried multiple times reaching out to XXXX XXXX XXXX to obtain more information, nobody could help me understand how this charge/service was obtained. This has really been preventing me from moving forward with my life ; i can't get any kind of loan or not even an apartment. This is a violation of The Fair Credit Act. This collection is inaccurate, wrong, misinform, unrecognized information this is on my credit report, which is preventing me from moving forward. its bad enough that COVID 19 has taken away my job, i don't need anything else to stress me out. I hope that CFPB can resolve this.
Product: Credit reporting or other personal consumer reports

IN Recording TO THE FAIR CREDIT REPORT ACT THIS CREDITOR VIOLATED MY RIGHTS UNDER 15USC 1681 SECTION 602 I HAVE THE RIGHT TO PRIVACY. 15 USC1666 B A CREDITOR MY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN ACCOUNT AS LATE PAYMENTS 15 USC 604 A A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT A WRITTEN AGREEMENT...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX place me with the credit bureaus XXXX, XXXX, Transunion as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX dated XX/XX/year> showing a {$0.00} balance Policy : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Mortgage

XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID. 
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column. 
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}? 

Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX on XXXX XXXX, XXXX  XXXX
Product: Credit card or prepaid card

This account is show 5 missed payments. I have never missed a payment.
Product: Credit card

i am filing this complaint against my credit card company capitol one for not rendering the services to me i would have expected when i was the victim of online fraud.i explained to them that this is not a billing dispute, it is for undelivered goods and services.these companies need to produce what they have done for me not the opposite.i paid XXXX XXXX on XX/XX/2016, XXXX XXXX XX/XX/2016 and XXXX XXXX on XX/XX/2016.these monies should be returned to me for services not rendered.capitol one seems to blow me off. im not asking capitol one to do anything there not suppose to, i feel it is easier for capitol one to just say it is to old.these companies are taking advantage of the elderly which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran my credit report due to drastic

100 point drop in my credit score.

Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX  XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my XXXX  and Equifax reports that I thought were only soft inquiries and I would like them removed : Equifax : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquires it was my understanding their were to be soft inquiries or pre-qualification checks.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from XXXX, XXXX and Equifax I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate.This is grounds for removal.

They also violated my rights under 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructi.

Also the Credit bureaus took mor than 30 days to complete my investigation, here is my certified mail tracking # XXXX
Product: Debt collection

In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.
Product: Credit reporting

EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$67000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$64000.00}. XXXX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Checking or savings account

I put {$15000.00} in as a promotion. After 90 days I tried to withdraw the money and was given many obstacles and difficulties in getting the funds. Was given incorrect information numerous times and hung up on during phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX XXXX  results corrected the XXXX payment and updated it to " paid-on-time. '' Experian 's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( Experian, XXXX ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.
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 Account # : XXXX, Amount {$36000.00} XXXX XXXX XXXX XXXX Account # : XXXX, Amount {$9600.00} -XXXX XXXX Account # : XXXX, Amount {$740.00} -XXXX XXXX Account # : XXXX, Amount {$800.00} -XXXX XXXX XXXX, Account XXXX XXXX XXXX, Amount {$2300.00} -XXXX XXXX, Account # : XXXX XXXX Amount {$540.00} All credit accounts listed above 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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.