23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX MISSION XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX C 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: Credit card

I Was sent several mailers as well as emails informing me of a sign up bonus of XXXX XXXX XXXX XXXX when i applied for a credit card with citibank. I applied for this card, was approved, Met the terms of their offer, and now they are refusing to give me the sign up bonus, based on some internal policy which is not transparent to the consumer, as well as using targeted advertising to me specifically. If i was not eligible for the offer they presented to me, they should have not presented me with the offer.
Product: Debt collection

Left voicemails saying they were trying to collect a debt without confirmation of my number
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$230.00} XXXX XXXX {$0.00}
Product: Debt collection

My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.
Product: Bank account or service

I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. by ( BARCLAYXXXX  ) Account # XXXX ( XXXX XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( BARCLAYXXXX XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

am disputing multiple inaccuracies on my TransUnion credit report, including a fraudulent account, unverifiable accounts, and unauthorized inquiries. Below are the details : Fraudulent Accounts XXXX. XXXX Reported : XX/XX/XXXX XXXX : {$220.00} ( Closed ) XXXX. XXXX  Reported : XX/XX/XXXX XXXX : {$3100.00} ( Needs Attention ) XXXX. XXXX XXXX Reported : XX/XX/XXXX XXXX : {$0.00} ( Closed ) XXXX. XXXX. XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Balance : {$18000.00} Issue : This account does not belong to me and was fraudulently opened in my name. Actions Taken : I have never applied for or used this account. I demand immediate deletion under FCRA XXXX ( XXXX U.S.C. XXXX ) unless you can provide an original signed contract with my wet ink signature proving I authorized this account. E-Oscar verification is not acceptable. Unverifiable Accounts These accounts contain inaccurate or unverifiable information and must be removed : XXXX. XXXX Reported : XX/XX/XXXX XXXX : {$220.00} ( Closed ) XXXX. XXXX Reported : XX/XX/XXXX XXXX : {$3100.00} ( Needs Attention ) XXXX. XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} ( Closed ) Issue : These accounts contain errors or were inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Texas Office of Attorney General  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: Debt collection

I am in the process of purchasing a home and the lender pulled a mortgage report and unannounced to me was a jefferson capital collection collecting for XXXX XXXX. It seems like my entire life i have been having issues with my fathers info reporting on my credit report I called jefferson cap who gave me the number to XXXX XXXX and they dont answer the phone. I then called XXXX who can locate an account of mine but i cant answer any verification questions including address because i never had an account with them i am stuck and dont know if this is id theft or a mistake. I do know it is keeping me from being able to purchase a home and am unsure if its even legal for them to report
Product: Debt collection

Earlier this year I got a couple of alerts from XXXX indicating Commonwealth Financial was/has been reporting an emergency room medical debt to XXXX and XXXX  ( credit bureaus ) since about XX/XX/XXXX. The report states it's for a debt I supposedly incurred in the E.R. some years ago. I do not recognize this debt - the provider or the amount - and I assume it's because all of my medical debts were covered by insurance. I never received any bills pertaining to this amount, or from this company. I disputed the account to XXXX XXXX which appears to have removed it, but I still see it reporting to my XXXX  and XXXX  reports. The reports indicate information was recently updated but doesn't report as under dispute, which I'm aware consumer protection statutes require. 

I have yet to see anything, document-wise, produced which would indicate any debt is owed. I looked Commonwealth up on the website of the Florida XXXX. and see that their previous license to collect debt in Florida was REVOKED and their new license only went into effect in XX/XX/XXXX. I'm not sure if that explains why they never bothered to contact me before reporting this collection, but I imagine they shouldn't be allowed to do either without a license to collect in this state.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, Employers : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} 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 XX/XX/XXXX
Product: Debt collection

Subject : Urgent Request for Immediate Removal of Paid Collection Account I hope this message finds you well. I am writing to bring to your attention the urgent matter of the collection entry on my credit report related to account XXXX. I want to emphasize that this account has been fully settled and paid in full. Given that this account has been resolved, I kindly request that you take immediate action to remove this entry from my credit report.

According to the Fair Credit Reporting Act, Section 609 a ) 1 ) A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX
Product: Checking or savings account

My account has been deactivated by Wise US Inc ( formerly TransferWise ) for pointing out a flaw in their customer verification, and I can not access the account or withdraw my money from my account. 

I have had an account with Wise since XX/XX/XXXX. One of my routine transactions on was blocked on XX/XX/XXXX by Wise citing verification of my ID. I uploaded my passport copy and was informed that it has been verified. But the transaction did not go through. 

I was then asked to upload a personal photo holding my ID. I was opposed to uploading personal photos due to privacy reasons and I have had several phone calls and email exchanges with Wise about how a personal photo would be a better verification than other methods such as XXXX, phone call, etc. I contended that using Artificial Intelligence ( AI ) to verify a photo may not be the best option. 

In order to prove my point, on XX/XX/XXXX, I uploaded a " doctored photo '' of my own to the Wise website. Wise promptly verified my photo ( most probably by AI ) and I was able to conduct transactions including transfer of money. Subsequently I informed Wise through email that the photo that I uploaded was " doctored '' and asked them how their system was able to verify my photo? I questioned their security and due diligence. 

I was given vague answers to my concerns but when I pressed about their security flaws again and again, Wise deactivated by account saying that my activities exceeded their " risk tolerance ''. On asking what this risk tolerance is and how I exceeded this level, Wise did not provide any answer. I believe this action was purely punitive to mask Wise 's lax security and their embarrassment.

I have thousands of dollars in multiple currencies in my Wise account. As I do not have access to my account, I have requested Wise to transfer my money to my own verified account in another US bank ; but Wise refused. Wise wants me to appeal to reactivate my account. I do not want to reactivate my account- all I want is to get my money back and close my account.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts 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

I sent a letter to the collection company to validate my debt and they refused
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Leased a vehicle from Acura of XXXX on XX/XX/XXXX, On or around XX/XX/XXXX, I decided to go to the dealership and inquire about purchasing the leased vehicle two months before lease contract was up. Residual value ( buy out price after lease was up ) on original term lease was at {$30000.00}. The payoff amount on XX/XX/XXXX was {$32000.00}. The deal was done and I was informed that the bank had agreed to the loan and I will now be financing said vehicle. Dealer listed new cash price of {$39000.00} ( including the tax ) on the new finance contract. I do not understand how this amount was generated as the loan for the buyout on the lease was {$32000.00}. That is a difference of around {$7000.00}. I did not agree to any other number and was well aware what the buy out price was. I did agree to an extended warranty and I know there were dealer, DMV fees involved so I didn't think much of it when I signed. After now reviewing this contract I see that none of those fees I just mentioned above are even incorporated into that {$39000.00} and were then tacked on to make the new loan amount to {$41000.00}. They are very pushy to get you to sign and did not even give me a copy of the contract on that day. I did not even get to see contract again until recently when I was able to look at me account online. I am now paying around {$70000.00} for a vehicle that was leased to me at a price of {$48000.00} back in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I requested to know the current interest rate & get a break down of principal & interest on previous payments. I believe this company is in violation of Florida Usury Laws
Product: Checking or savings account

This is involving Citizens Bank NA. A deposit of {$9000.00} was made via cashiers check in branch on XX/XX/XXXX and was told availability of only {$220.00} immediately, which was not, followed by the remaining {$8700.00} to be available today XX/XX/XXXX which it is not. Not only this but it will be ANOTHER week before its available. Told the credit union would not verify the fund availability, even though it is a bank check. This has happened numerous times to me with this bank now with bank checks. If these are personal checks I understand but the purpose of a bank check is to avoid this. I rely on this money as it is help from my folks after having XXXX XXXX XXXX and this puts me in a position to aquire unnecessary fees when this should be as secure as depositing cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following accounts appearing on my credit file by XXXX, Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 ) ( 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: Student loan

I contacted my loan provider ( Aidvantage ) on XX/XX/XXXX about my refund for payments made during the relief period in the amount of {$5300.00}. On this day, the processed my refund request and it has since been approved ( with the {$5300.00} now reflecting on my account balance ). I was supposed to receive a check within XXXX weeks but it's been over that time frame so I contacted the XXXX Treasury office today ( XX/XX/XXXX ) - they told me they have issued a check via direct deposit for {$0.00} and have no record of owing me the {$5300.00}. Can we please see what's going on with my refund and provide me with a new XXXX since the original time frame has already passed? 

Let me know what other information is needed from me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that XXXXhisSIMONS AGENCY INC was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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 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 and information unprotected and vulnerable. Also their dispute resolution process was unfair and misleading, as they did not comply with error resolution requirements under the Electronic Transfer Funds Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.