23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is against Cash App. on XX/XX/2023 I borrowed {$500.00} USD from Cash App and the agreement was for me to repay it on XX/XX/2023. On XX/XX/XXXX I made a mistake and paid it early which caused my regular checking account to overdraft. I contacted Cash app to asked them to refund it because it was done by mistake and they have been telling that the case was escalated however i have yet to get an update. I have reached out about 6 times calling as well as emailing with no response or update. I explained that it was an accident and that before I get hit with overdraft fees I would like them to refund it so I can deposit it back into my account and they keep giving me the run around and not answering my questions which makes me feel like they being deceitful or doing something fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 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 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 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 card

I am a XXXX XXXX XXXX 100 % XXXX Veteran On XX/XX/year> I was called by Chase Card Company and informed that my credit card has been used in a fraudulent manner. I was then transferred to their fraud department and was asked to assist them and their fraud department in an effort to try to catch the people that has misused my Credit Cards. ( XXXX ) I now believe that it was a scam by XXXX or more people who identified themselves as Chase and XXXX fraud teams. 

I was given XXXX  XXXX numbers and names of all the people that I was talking to as well as phone numbers to reach them on. 

If have a {$10000.00} charge on my credit card that is under dispute at the present time. 

Chase says that it was not Chase that called me. I spoke to several different people that identified themselves as employees of Chase and XXXX and had all of my Credit Card information, as well as all of the current charges that were on my account prior to the Fraudulent transaction that is in Question. I was totally 100 % convinced that I was speaking to Chase and XXXX. 

I have filled a Fraud Report with my local Police Department and have a record of that report. 

Those charges are still under dispute with Chase, but I feel that Chase should be doing more to help me understand how this fraud was done and to get the information necessary to make an arrest or bring charges against these people to stop this type of fraud from ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case # XXXX Citi XXXX XXXX - CreditCard This letter is followup to the above case, it is relevant because this case is new since Citi just place the changes on XX/XX/XXXX. In XXXX Citibank entered delinquencies on my credit card account, even though the account was involved in fraud. Citibank had incorrectly changed my billing and email addresses. They sent my billing statements with {$20.00} due to the wrong address ( in another state ) for 4 months. When I finally received the bill I immediately paid the {$20.00}. They also billed me {$150.00} in overdue charges and fees. After much discussion one group dropped the charges but another sent in 3 - 6 months delinquencies on my account. This amounted to my credit rating being dropped over 70 points and the marks against me being on my credit record for 7 years. 

After receiving correspondence from the CFPB, Citibank rectified the issue and on XX/XX/XXXX the credit Bureaus corrected the problem. My credit rating raised to over 800 ( Excellent ) - which is what it had been for years. 

On XX/XX/XXXX Citibank resubmitted the original false delinquencies to the bureaus and my credit rating was reversed to the 700 's ( good ). XXXX  reviewed my file and the letters from Citibank to remove the delinquencies. They contacted Citibank and Citibank again refuses to correct the problem. 

Please help. I need next steps. Do I have recourse?
Product: Debt collection

On XX/XX/2023 the NJ court officer requested funds to be held on my personal checking account be held on a very old past debt. These funds are protected by law as they were my unemployment benefits which have since been depleted. I have attempted by phone, fax & mail to have these funds be released back to me and no one is assisting
Product: Credit reporting or other personal consumer reports

Company Name : SYNCB/Walmart XXXX I recently ran a credit report and this account shows under my name. 
It seems that is not correct since I do not have anything under the account # that they have on file.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2023, I sent {$350.00} ( XXXX Pesos ) to a bank in the XXXX through PayPal. Of that amount, XXXX Pesos are still on hold. The bank is not withholding the money, so many ( XXXX ) attempts were made to contact PayPal to : 1. find out the reason for holding ; 2. expected fund release date. I was repeated told that the funds have been released to the intended recipient without offering any explanations as to why some of the money was still on hold. PayPal also repeated asked to have the recipient contact PayPal -- - I was told that I may not discuss details with PayPal -- - but the recipient has already contacted PayPal without getting any responses. As a sender, I should be able to discuss the reason why the entire money has not been released to the recipient. This is a racket and they only provide scripted responses. I also repeatedly ask for the government agency that I can report the issue to. This request has been consistently ignored.
Product: Credit reporting or other personal consumer reports

The company took a loan out on my behalf in my name for a project that got canceled and never happened the company doesnt return any of my emails anymore after saying it was canceled did not send the loan company mosaic back there money or a cancellation notice its been 6 months and I still have a XXXX loan on my credit report
Product: Student loan

They have this loan in my maiden name which I was married at the time that They say this loan generated. I have no knowledge of this loan, plus it looks like this debt has been sold to someone else.. this is not mine so could you please remove it
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been subject to false information affecting my XXXX and XXXX credit report. over the course of six months the debt collection agency LVNV has continued to furnish reports of two closed collection accounts as open accounts, Account ending in XXXX and XXXX have both been previously closed after dispute, however afterwards have been reported as open and " needing attention ''. This has and continues to affect my credit report, this is also illegal, this accounts must now be removed due to violation of the Fair Credit Reporting Act. I have contacted LVNV requesting account validation at which point the agency failed to provide valid validation, I am requesting that LVNV be cited for consumer harassment and deformation of character. i have a current credit report which reflects these said accounts as closed while XXXX and XXXX via Credit both reflect these accounts as open and " needing attention '', again both of these accounts have been closed many times after been disputed and later reported as open by LVNV, this would not be able to happen if the accounts was deleted after been closed, also the with highest said balance was also deleted from XXXX and later reported as open the same account reflects as deleted on my XXXX credit report
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$550.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

My discover checking account was compromised. 

A check of mine was stolen and altered. 

I very promptly notified Discover and was sent an affidavit to fill out. I also filed a police report to put on the affidavit. In fact, I called Discover to help me with filling it out. 

Discover is now informing me that the affidavit was improperly filled out because too many things were initialed. I very honestly filled this out and even asked for assistance.
Product: Credit reporting or other personal consumer reports

Ive noticed some unauthorized inquires-please see attached
Product: Credit reporting or other personal consumer reports

My information was leaked in the data breach. Now I keep getting calls from financial institutions. Credit applications and loans I didnt apply for. Identify theft
Product: Credit reporting or other personal consumer reports

Last year when i found out that i was a victim of identity theft, i quickly found out that it was my ex wife that opened accounts under my name without my consent. I contacted the bureaus, they instructed me on what to do, i did exactly what they told me, however not everything that was fraudulent was removed from my credit report. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE 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 XXXXXXXX 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.
Product: Debt collection

I am reporting all this because they have stolen my identity, they have taken up an apartment under my name There are accounts in collections that are not mine
Product: Credit reporting or other personal consumer reports

I recent looked at my credit profile and noticed there were a number of fraudulent accounts and inquiries on my credit report that I did not give my consent for. Those accounts and inquiries consist of the following : XXXX XXXX XXXX The fraudulent inquiries that I am referencing consist of the following : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Somewhere in mid XXXX ( cant remember the specific date ) {$0.00} So I had couple items returned and got a refund back into Citibank credit card. 
At that time, I had other card as a primary use so often forgot to use the credit I had on Citibank card. 
Slowly but surely I used most of the refunded amount on credit card but had left {$0.00}. 
I was sure that I am going to use it because it was my money that I already paid off to Citibank. But when I checked after my long trip, the money was gone. The balance was XXXX. 
I called Citibank customer service and asked the representative to explain why it happened. She said that if I dont use refund in 3months without a claim, they remove the money from my account because of inactivity. But I was using my card ( definitely a sign of activity ) and I didnt see anywhere saying that making a claim was part of protecting my money from the bank. I kept asked her who keeps the money after they put it aside, she was a bit hesitant to admit that it goes to Citibanks account. But I was persistent to hear that from her and she finally admitted that Citibank keeps the money after few minutes of going back and forth. And she got tired of me asking same question ( for me to comprehend why and how it happened ), she said, with her agitated voice, if I want my {$0.00} back to my credit card. 

I think the principle here is wrong to take peoples money without any notification or our acknowledgment that the credit card company has a right to take the money away, simply because it was claimed before 3months. The amount I lost is insignificant so I didnt think it should be a big deal but think of elderly or younger people who arent experienced with credit cards. Some people might feel lost or used and dont know where to ask for help or how to get their money back. 
Let me know if theres any policy indicating about non-claim money or requirement to claim on refund before 3months from the day of refund. 

Any information would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted Discover and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear FRD MOTOR CR, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud. 

It has come to my attention that FRD MOTOR CR has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. Texas XXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for FRD MOTOR CR to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that FRD MOTOR CR immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the XXXX XXXX XXXX ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX XXXXXXXX XXXX Section 32.51 for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring FRD MOTOR CR into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that FRD MOTOR CR will swiftly correct these violations and respect my rights under the law.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting CAPITAL ONE / SAKS F ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit card

I am a Capital One account holder with a current Walmart card ending in XXXX, which Capital One is converting to a Quicksilver card. However, I already possess a Quicksilver card ending in XXXX. On XX/XX/year>, I called Capital One and spoke with a customer service advocate who was unable to assist me, so I requested to speak with a supervisor. The customer service supervisor informed me that my Walmart card would indeed be converted to a Quicksilver card and that no other options were available. 

Since I already have a Quicksilver card, having XXXX identical cards with different credit limits would be redundant. Therefore, I requested to have my Walmart card changed to a Savor CapitalOne card, which is a similar product, but my request was declined. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my complaint reaches the appropriate department at Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in not responding to any of my requests to investigate and verify the accuracy of the information contained in my consumer credit report in accordance with The Fair Credit Reporting Act.
Product: Checking or savings account

I tried to call chase bank to get my account they wouldnt let me, I told them to run the cameras they told me they wouldnt, the account that I had was a brand new account that I opened up and it was some fraud going on my account I told them that wasnt me it was a check deposit into my account that I wasnt aware about they didnt call me or nothing they didnt send me a letter in the mail that my account was closed I called them so many times about my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach. I have included credit report as well as XXXX and both are telling companies I opened cards when I did not
Product: Credit reporting or other personal consumer reports

There is incorrect information on my report that needs to be removed. My Name is XXXX XXXX all other names need to be removed. My Current Address in which I receive XXXX Mail, is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. All other addresses are inaccurate information and needs to be removed.
Product: Debt collection

I received a missed call on  XXXX   XXXX ,   XXXX   @  XXXX  from (  XXXX   )   XXXX  a  XXXX   ,  FL  XXXX  # with no name attached to #. I received second call on  XXXX ,   XXXX  , @  XXXX  from same #. The woman on the phone proceeded to state I had to pay {$630.00} over the phone right now or she would " report this debt on my credit report withi n 2 to 3  hours ''. She did not state who she was or who she worked for. She only stated it was related to my past landlord,  XXXX   XXXX   XXXX . " Our lease '' just ended on  XXXX ,   XXXX  . I tried to explain I did not owe anything & I had not received any bills from  XXXX   XXXX   XXXX . or from anyone else & that I was driving & would get back to her by the next day once I had the opportunity to contact  XXXX   XXXX   XXXX . but she kept telling me I had to pay now or she would be putting this debt on my credit report within  2 to 3  hours & that I was a " liar ''. I asked to speak to a Supervisor. A man got on the phone & was even more persistent that I pay balance now or reach a " settlement amount & pay now '' otherwise he was going to place this debt on my credit report within  2 to 3  hours & he to denied me the opportunity to call them back once I had a chance to speak with  XXXX   XXXX   XXXX . the next day. He stated this conversation was being recorded & that " everyone always says they have never gotten a bill in the mail ''. He eventually hung up on me. I did not know if this was a scam. I do not understand why they were even trying to bill just me the whole alleged bill when there were "  XXXX  tenants '' on the lease. I have been corresponding to them by certified mail since I received a notice from them. I have tried to resolve this issue with them &  XXXX   XXXX   XXXX . I have explained to both of them the terms of the  Landlord Tenant l ease agreement & what it states about any disputes betwee n Landlord & Tenants  must go through small claims court & be granted a favorable Judgment before any debt collection attempts can be taken. I have requested  XXXX   XXXX   XXXX . to file a claim with small claims court so this issue can be resolved because  XXXX   XXXX   XXXX . amount of alleged debt owed is invalid, inaccurate & not the same as  I.Q. Data International a lleged debt. As of today, I am aware of this alleged unproven with no court order Judgment has been placed on my credit report on "  XXXX   XXXX ,   XXXX   to  XXXX   &   XXXX  ''. I am in the process of disputing this alleged debt with my creditors. Thank you