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

In XX/XX/2018, my Fidelity Rewards Visa Signature card was temporarily restricted by the Payment Risk Group at XXXX XXXX XXXX ( the organization who manages the card ). I called the payment risk group and spoke on the phone with XXXX. XXXX indicated that the reason for the restriction was that a large number of payments had been made using money orders. While we were on the phone, XXXX looked up the issuing bank/vendor for the money orders, verified that they were on an approved vendor list, approved the payments, and removed the account from restricted status. 

In late XXXX, the Fidelity Rewards Visa Signature account was closed by XXXX XXXX XXXX. I spoke with XXXX in the XXXX XXXX XXXX Payment Risk Group on XX/XX/2018. XXXX XXXX   direct phone number is XXXX. Per XXXX, my account was triggered internally by XXXX for review. XXXX refused to provide the reason for the review. XXXX indicated that as a result of the review being triggered, XXXX elected to perform a soft credit pull, and upon seeing that I had applied for other credit cards in the previous month, made the decision to close the Fidelity Rewards Visa Signature account. XXXX stated that XXXX considered the account to be a risk due to high usage, even though all balances had been paid in full by the statement due dates. 

The Fidelity Rewards Visa Signature card is agreed to have a 2 % cash back rewards component. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX that a final statement was processed and placed in the mail to me, and that XXXX had elected to assess no cash back for the final statement, despite considerable charges being placed on the account. I disputed the decision, and as of XX/XX/XXXX, XXXX has refused to reverse its decision after multiple conversations on the phone. The amount due to me is {$1000.00}. 

XXXX refused to provide a reason for their initial decision to review the account, so their decision to close the account is not legitimate until a valid reason is provided. Further, the terms of the user agreement were still in effect until the time of account closure and XXXX is obligated to deposit the agreed-upon cashback amount of {$1000.00} into my individual cash account ending in XXXX. 

Thank you for your review of this case.
Product: Debt collection

Insurance policies were cancelled in XXXX but yet {$53.00} continues to be outstanding I requested waiver from XXXX with no response The Subscriber Savings Account balance is due me now that there are no insurance products When I canceled policies in XX/XX/2021 I was told there was no balance on homeowners, valuable personal and vehicle policies The XXXX XXXXsubscriber savings disbursement is being held up for this {$53.00} balance Requesting waiver of {$53.00} as no policies remain. USAA cancelled some policies in XX/XX/2021 and I cancelled remaining in XX/XX/2021 Please return entire SSA Bal {$6200.00} and waive alleged {$53.00} due USAA has no complaint tracking policy which violates CFPB mandates and is constantly receiving OCC sanctions for its illegal practices This is elder abuse and age discrimination by USAA
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 COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 
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 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: Debt collection

LVNV Funding LLC is in violation of The Fair Debt Collection Practices Act i have written a letter to LVNV Funding disputing the alleged debt and they have not responded at all and they still continue to report some alleged debt to the credit reporting agencies. They have not validated the debt or responded to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC REPORT WAS SENT VERIFIED TO TRANSUNION AND THE COMPANY HAS RESPONDED BY SAYING THE ITEMS REPORTED ARE VERIFIED AND UPDATED. THEY NEED TO LOOK AT FTC REPORT AND REMOVE INACCURATE INFORMATION. 



ACCOUNT - XXXX  XXXX # XXXX XXXX  - 15 USC 1681e ( b ) Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this item.
Product: Credit reporting or other personal consumer reports

I notified them that the payment history is being reported inaccurately
Product: Debt collection

A company operating as Commonwealth Financial, and a website of XXXX, of Pennsylvania, did report to the XXXX credit bureau that they have a deliquent account in my name. 
They did not however make any effort to contact me first, such as with a standard form notifiying me of an alleged debt and their intention to report it to a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got a notification from XXXX XXXX saying I had a hard inquiry pulled from Synchrony Bank ( Syncb/Lowes ) The date that it was actually pulled was XX/XX/2019. 

XXXX/XXXX/2019 Contacted XXXX XXXX, they tell me to get in touch with Synchrony Bank. The bank tells me to contact Lowes. I can not get a straight answer from anyone.

I did not authorize this hard inquiry as I don't even have a Lowes in my town. Please help me with this matter.
Product: Debt collection

I had 2 bills ( XXXX XXXX XXXX XXXX XXXX XXXX ) for XXXX  XXXX. I made payments on the debt until the the balance was paid off. I received statements that the debt was paid in full. FIRST FEDERAL CREDIT, continues to insist that I still owe {$25.00} for to XXXX  XXXX, but has never called me, return my call or has sent me a bill to pay. The account number they are referencing is XXXX, however the 2 bills I paid in full are acct # XXXX & XXXX. In addition the amount they say I originally owed is {$640.00}, which is the amount that XXXX  XXXX has stated I paid in full. I have disputed this 3 times and each time the XXXX XXXX XXXX says that it is mine and has not had to provide proof. I have proof that both of the above accounts were paid in full and I would like this derogatory removed from my credit filed.
Product: Checking or savings account

Ive had no luck in debit transactions or transfers. Theyre accepting my deposits and blocking access to my money. I cant buy groceries or school supplies. Theyve XXXX XXXX XXXX  with no notice or resolution. Ally bank are crooks. I just want my money.
Product: Money transfer, virtual currency, or money service

Fraud : regarding bank account wire transfers Notified Bank of America within minutes that someone hacked our accounts and was transferring money. Bank of America froze the accounts but never had us file a claim. We only learned that we needed to do it after many calls to the fraud department. No claims were filed until the next day and the recalls were issued. This was incompetence on Bank of America because we notified them as the transfers were happening. No resolution yet other then our accounts are credit only. 
We opened a new bank account that same day within hours of the transfers. 

We were told that the transfers went to XXXX XXXX
Product: Checking or savings account

I requested a funds disbursement in the amount of {$200.00} from atm. My debit account was deducted in the amount of {$200.00} and {$3.00} for atm fee. I did not get my money I contacted my bank to dispute the charge 4 times each time being denied. I submitted the only documentation that is received from an atm. At the original time of submission the receipt was clear enough to be read. I contacted the atm company using the phone number on the machine only to be informed the number is only to reach the machine tech, I bank with Discover Bank and the atm name is XXXX which is located inside of XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX La The atm slip show that no funds were disbusred
Product: Mortgage

I send a fed fund wire from XXXX XXXX to pay them. XXXX $ XX/XX/2024 and they still have not applied it to the principal and interest for XX/XX/2024 payment. 
Complaint Description Loan # XXXX daughter was XXXX  with her XXXX and the XXXX  was placed in the XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024. My daughter and the baby XXXX XXXX XXXX and I had to take care of them both. I work for XXXX and was out of work taking care of my family. During that time, I fell behind on my mortgage payments. which they I am behind XXXX, XXXX, and XXXX can be paid as late as XX/XX/XXXX, XXXX applied for financial help XXXX days ago from Select Portfollio Services ( " SPS '' ), and they immediately sent me this letter. On XXXX XXXX, 2024, at XXXX, Select Portfolio On XXXX XXXX, 2024, at XXXX, Select Portfolio Servicing XXXX wrote : Dear XXXX. Urgent! After several attempts we were unable to reach you regarding past due balance of your mortgage loan account. So hereby, this is to inform as according to legal terms this is a final reminder on date XX/XX/2024 to vacate property before sale date. We have been through your track records, and you seem to be a genuine person. So we are giving you a final chance to resolve this issue and keep your property. If we still fail to receive any communication and payment from your end, we will have no choice rather than auction your property on above date. According to records of your mortgage loan account, a Foreclosure sale date has been recorded and scheduled for XX/XX/2024 on the property located at.Your current mortgage is at risk of being foreclosed on and auctioned. With our new foreclosure prevention program, we will help you stop any and all sales dates and help you get current on your mortgage loan account. As direct lenders, we offer XXXX and XXXX position loans, where you can keep low-interest rate in place. After having assessed your property and current loan and due to the high market and higher equity in your property you are eligible for a new private loan that will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) because of inadequate customer service and unfair practice which violated the Consumer Financial Protection Act ( CPPA ) specifically Cash app failed to take timely and effectively measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.Furthermore their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the ElectronicFund Tranfer Act and Regulations E.These actions had caused inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) XXXX XXXX lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.
Product: Checking or savings account

XX/XX/21. someone takes money out tht wasnt me the. im flat broke XXXX dollars then my bank changes my account numbers XXXX they basically freeze mu account to deposit only because they said they was just giving my money out then XX/XX/21 they applied for sum credit or loan
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle failed to investigate a transaction that was reported as fraudulent activity from another party that sent me money. The other party made a payment to me for a sale and reported two days later. My account with Zelle and my bank was shut down a compromised due to this without even notifying me of the report nor investigating whether the allegation was accurate. I was then unable to use my bank account permanently due to that. Its was a huge inconvenience especially with the fact all of my money was in there.
Product: Consumer Loan

I 've fallen behind on a loan from Kay jewelers, I 'm working to resolve this, they 've taken to calling my elderly parents home and cell phone in attempts to reach me and resolve a debt aftet being told to stop calling. The number they 're using is XXXX.
Product: Debt collection

On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
Product: Credit card or prepaid card

XX/XX/XXXX, Bank of america sent me a letter told me my credit card was closed due to irregular authorized user activities, but in fact, my authorized users rarely use this card.
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. XXXX XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was settled for less. They agreed. Been sending them payments. They reporting late payments. They were suppose to remove them from credit report. The balance they are reporting is wrong. Want it deleted off my credit report. Remove the late payments. Fix balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The Company FNB Omaha verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and XXXX still show it I have been passed back and forth between the credit bureaus and FNB Omaha each of them blame the other this is very frustrating thanks for your help
Product: Credit reporting or other personal consumer reports

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be deleted immediately. 

XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX
Product: Credit card

I am currently stationed in XXXX  on XXXX orders. Reached out to XXXX and they applied the XXXX even after the account was opened after military service. Heard back less than 30 days with it being approved due to Louisiana law stating so. Different story with AMEX as in they keep saying it got denied because the cards were open after joining not before. I already have XXXX but told them the XXXX XXXX is different then the one they are referring to.
Product: Credit card

JP morgan keeps getting credit card request under my name and SSN with out my consent. They also pull soft inquiries each month. Ive contacted the banks and they will not provide me with any info as to where the credit cards are being submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX  inquiry XXXXXXXX this is not mine and no one was given permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXXXXXX XXXX  XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}
Product: Checking or savings account

XXXX, {$15.00} got charge that much for XXXX order I did not make
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts 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 Conn Appliance INC XXXX XXXX