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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

I want complete DELETION of account and the sum payable in the amount of {$1000.00} for each account.
Product: Money transfer, virtual currency, or money service

So the company is called solo funds and I have lent my money through the app. I about a 3 months ago change my number and informed them and waited and waited and waited. They currently hold around XXXX that I cant access to withdrawal. Honestly I hope yall win yalls lawsuit because this company has been giving me the run around with this issue that shouldnt have been an issue. When I changed my number with XXXX and XXXX  XXXX nothing happened and it was easy but with solo funds they are essentially holding my money XXXX.
Product: Checking or savings account

Goes back to XX/XX/year>. Regarding adding my name to my mothers checking account via POA. I mailed, asUS Bank would not take a fax, like other financial institutions. I mailed the POA and three firms of identification on XX/XX/year> to their XXXX XXXX XXXX in XXXX XXXX, MN. 
By mail, I received a Signer Authorization, from XXXX XXXX, XXXX XXXX XXXX, and was told this could be faxed to them. I did this on XX/XX/year>. A week later I received a call interviewing me, by the bank, asking for my SSN, etc. I heard nothing since then and have been trying to reach back to XXXX, leaving many messages. In the meantime, I am unable to pay my XXXX XXXX XXXX mothers bills. Case # XXXX associated with this are XXXX and XXXX. Through another XXXX, on line assistance was able to send emails to people at XXXX XXXX. I received a call yesterday, XX/XX/XXXX, showing they received the XXXX and Signer Authorization and that a document was mailed out that needed my signature. I spoke to XXXX XXXX, they were not allowed to give last names. I received a call today, XX/XX/XXXX, that the documents I needed to sign were sent to address on record. So not my address, to my mother in another state. I said this was not acceptable and asked for XXXX XXXX. Was told they didnt have anyone in that capacity, too bad for me. I am being prevented from paying my mothers bills, and the XXXX XXXX XXXX does not care and will not help. They have my legal documents and and will not send the other documents to my address that need to be signed. This is beyond compliant.
Product: Credit card or prepaid card

Hello, I am XXXX and spend within my means. I pay off my credit card each billing cycle so as to avoid fees. I just put a large payment for my son 's orthodontic work on my credit card before the COVID shelter in place started and I am not able to work ( I am a XXXX. ) I went to the bank to ask what my fees would be if I didn't pay my bill, and in XXXX it would have been close to {$200.00}, and in XXXX, it would have been $ 600+ because of when the payments were made to the dentist. 

The credit card companies are waving their late fees which sounds so generous, until you realize that the interest rate is gong to be hundreds, while my late fee is only {$39.00}. When I asked my bank why they aren't doing something about the interest rates during COVID, the teller said they weren't in charge of that. Well, who is? And why isn't the government stepping in to regulate this? 

I have money saved, and fortunately, will be able to make the monthly payments for the time being. I am still outraged by this circumstance, however. Think of all the people who are not as fortunate as I. To waive a late fee but continue to charge 18 to 29 % interest during a world-wide crisis seems mercenary, and should have someone leading the way to change this dynamic. Please insist the banks institute a mandatory lower interest rate for anyone who should need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to open an account with XXXX. I have never had anything from them. My purse was stolen a few years ago with all my personal information. I explained to Equifax that this is not my account they keep saying " verified '' when it's not mine at all. I can't believe how hard it is to get your credit reports corrected after a person has ruined your life and taken your identity. I am filing this complaint because I feel like Equifax is not trying to help me at all. It is like they are just giving me a script response each and every time. This is stressful enough that this happened but now to be punished for something that I didn't even do
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX : {$1100.00}
Product: Credit card or prepaid card

Received a inquiry on credit XX/XX/XXXX for Chade credit card. I did not apply for any credit from chase bank.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX FIRST XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor XXXX XXXX????????? ..XXXX  from Experian refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to Experian
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and un fair practices which violates the customer financial act. ( CFPA ) specifically cash app failed to act timely and effective 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 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

XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX  {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX XXXX XXXX DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS AND INQUIRIES ON MY REPORT. THIS IS HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Mortgage

I applied for a forbearance through my mortgage company and come the end I said my hardship was resolved. They sent me an application to figure out my options. I was told my app was complete and I could start making payments after signing a packet of papers. Packet never arrived. Got a letter in the mail stating my app was then incomplete. Talked to mortgage and they said it was because I had already done a modification that I couldnt do another one within 2 years. I did a deferment 3 years agoso whats the problem? They have me in never ending circle where Ive filled out the same application XXXX to no avail. The only option is I can {$5000.00} to make myself current and then the rest thats owed in a payment plan. I wouldnt need to be 8 months behind and have to pay 5 months worth if they didnt have me in a never ending circle. Ive been wanting to make my payments since XXXX and they are not allowing me to
Product: Credit card or prepaid card

I am the holder of a SEARS credit card under account # XXXX since XXXX and have a current balance of approximately {$170.00}. 

Without my consent or permission SEARS took the liberty to issue a " SHOP YOUR WAY '' Mastercard from CITIBANK and I only knew of this change a few days ago when I received the actual card in the mail.The mailing stated that " this new card replaces your Sears Card. Please destroy your Sears Card ( s ) as it is no longer valid. '' It is obvious that SEARS and CITIBANK co-conspired to dupe customers as follows : SEARS had a long list of card holders with financial information as to their credit worthiness and CITIBANK was provided that list to issue credit cards for their benefit by calling it a " replacement card '' when in actuality " SHOP YOUR WAY '' is a Mastercard that can be used anywhere, not just in SEARS stores or online shopping.

I do not want the " SHOP YOUR WAY '' Mastercard as I am already a holder of a Citibank Mastercard and have maintained this account for a number of years. I find that SEARS and CITIBANK conspired to arbitrarily issue credit cards to consumers who didn't apply and this is simply a scam.
Product: Credit reporting or other personal consumer reports

I just checked my credit score and realized a credit card in my name that I never opened. The credit card is called Venmo and there is a {$8300.00} balance. I didn't even know about this card. I contacted Venmo and tried to notify them this is fraud and they absolutely refused to close the account.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made formal written requests to Bonneville Billings and collections to stop contacting me and attempting to collect of a debt that I discovered was due to my identity being stolen. 
Bonneville Billings and collections responded with pursuing legal action against me on XX/XX/XXXX. That was suspended due to Covid 19.

Since then, I mailed records of my police records and identity theft affidavit to Bonneville collections with another written statement informing them that this very bad old debt was a result of identity theft. 
Today on XX/XX/XXXX, I received a re-scheduled date of the small claims hearing where they are during me for this very bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and I sent experian letter in the mail telling them to remove some inquires that did not belong to me. they refused to do so and stated I will need to get a police report etc. I want the followung Inquires removed ASAP or i will have to seek legal help because they refuse to help me. 

XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
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 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 resolutions 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 or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year>, I redeemed accrued Upside cash back for a {$100.00} XXXX gift card and {$170.00} transfer to XXXX and I didnt receive anything. Ive been emailing since XX/XX/year> trying to get support and my emails have been ignored since XX/XX/XXXX. Case numbers include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Additionally, I have approximately {$10.00} in pending transactions I cant get help resolving since Im being ignored, as the companys operation is so poor offers are often declined and require additional support to get the cash back added. 
Send the cash back for {$280.00} and close my account.
Product: Checking or savings account

On XX/XX/2018 I received a refund from XXXX in the amount of {$12.00}. The refund had been credited to a Chase Bank account that had been closed. I contacted Chase and asked them why they would credit money to a closed account in the first place. I requested that funds be made available immediately and was told a check would me mailed out. I did not receive any check, and get no answers when contacting the bank. I have dealt with this kind of service from Chase Bank in the past, which is why I closed the account in the first place.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX  regarding violations of the Fair Credit Reporting Act ( FCRA ) and their inaccurate reporting of multiple charge-offs on my credit report. 

Details of the Issue : Creditor : XXXX XXXXXXXX Account Number : XXXX Settlement Date : [ Insert Settlement Date ] Reported Amount : {$1200.00} ( settled for less than owed ) I settled this debt with XXXX  XXXX in [ insert date ], and the account was paid for less than the full amount owed. However, XXXX XXXX has reported multiple charge-offs on this account between XX/XX/year> and XX/XX/year>, despite the account being settled. 

Violations and Harms : Violation of Accurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), creditors are required to furnish accurate information to credit reporting agencies. The repeated reporting of charge-offs after the settlement is misleading, inaccurate, and in direct violation of this statute. 

Unfair Negative Impact on My XXXX XXXX : These multiple charge-offs have severely impacted my XXXX XXXX, making it difficult for me to secure favorable financial terms. Since the debt was settled, XXXX XXXX should have ceased further negative reporting on the account.
Product: Credit reporting or other personal consumer reports

I do not have a contract with this alledged creditor. I am not obligated to pay this debt as they did not provide proof of this alledged debt. I did not grant this creditor permission to utilize my name, or signature. Thus violating 15 usc 1681. A law protecting consumers from theft and fraud. I demand this account be deleted from my credit reports.
Product: Student loan

XXXX XXXX XXXX in XXXX ny closed and pressured me into private loans
Product: Money transfer, virtual currency, or money service

A year or so ago I was scammed out of money sent on XXXX by a person who was dishonest and a thief. I had sufficient evidence to prove this person was a thief, attempted to open a claim and provided all evidence and even spoke to local authorities regarding this manner. Unfortunately even those the company was able to see it was a scam there was no policy or law protecting me from this by being reimbursed I was told to contact the person and attempt to have them reimburse me however that person already blocked my number and all communication with me. CFBBs recent findings indicate that XXXX not only has neglected to protect consumers has even allowed repeat offenders to continue to exploit the system, hurting innocent people who work hard for their money. My financial institution and XXXX have failed to throughly investigate my claims and I seek justice for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I sent a certified formal dispute to XXXX XXXX and Experian regarding fraud accounts open under my name. Ive sent in A verify police report picture of driver license bank statement to show my identity, prove I am the person. Per 605B. 15 U., S.C. 1681c-2 Requesting the listed accounts be blocked off my police report due to fraud, Idenity theft. Its obvious that none of the Credit Bureau took my dispute seriously Because the never addressed my concerned and are sent me a detailed reasoning and justification of not blocking these items off my credit report. I believe my due process rights were, has been violated by these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.