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

My name is XXXX XXXX XXXX and this is not a third party filing this complaint.I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected.The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently dispute three accounts that are showing up on my credit report as paid and closed by collection agencies. These disputes were done on XX/XX/21 and on XX/XX/21. I explained that I sent the police report in several times to have it removed from my account due to identity theft but for some reason they refuse to remove the accounts from my report. I have explained that I am currently looking for a house and these three accounts are really hindering me from keeping my credit report as clean as possible so I can make that happen for my family and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company which i hold no contract with nor have i received services from, reported a collection account against my ssn with XXXX, XXXX and XXXX credit reporting agencies. i requested verification of the debt and account however the business failde to provide adequate proof. considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof i am not obligated to pay for the alleged debt.
Product: Prepaid card

On XXXX XXXX i purchased an AMEX XXXX XXXX XXXX gift card at XXXX on XXXX XXXX in XXXX, for the amount of {$250.00} plus a {$4.00} fee. I put the gift card and the XXXX receipts for the gift card into a sweet XXXX birthday card and mailed it via USPS from XXXX to XXXX XXXX XXXX, XXXX By XXXX XXXX, the card has not arrived at the destination. I went ahead and filed a missing letter report with the office of USPS, picture of the report is included. I also immediately contacted customer service at American Express Gift Card department at XXXX. I have images of the receipts for the purchase of the gift card as well as credit card statements from XXXX XXXX, which i used to pay for the gift card. On the packaging of the Amex gift card it states that " funds replaceable if lost or stolen '' ( and i am including the image of the packaging as well ). The customer service at Amex refused to help me. They stated that their " system '' does not recognize the receipt number or the account number of the card which is on the receipt as well. I have called the Amex customer service 4 times and each time they refused to help. I am completely at a loss of what to do. I felt safe purchasing the card and sending via USPS because of the refund guarantee stated on the packaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00XXXX XXXX XXXXXXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint from a company was placed on my credit report about closing acct in XXXX when i no longer have acct with Them since 2013..
Product: Checking or savings account

XX/XX/XXXX- Woke up to an email from Chase Bank Fraud saying there were suspicious charges on my account and to call if they were unauthorized charges. Chase denied several charges, but 3 went through ( {$1.00}, {$71.00}, {$100.00}, total of {$170.00} ). Charges took place in XXXX, Texas. I have proof ( through the same card with transactions ) that I was in XXXX, New Mexico when the charges took place. 
I called Chase on the morning of XX/XX/XXXX, explaining that I was in New Mexico and the charges were indeed fraud. They shut down my card, put the money back into my account and ordered a new card. 

XXXX XXXX I realized that the charges were reversed and taken out of checking account again. I spent an hour on the phone with the Chase escalation department explaining that I was in New Mexico, 10 hours away when the fraud charges happened. The Chase employee said that my story was valid and there was no way I could have been in XXXX, Texas where the charges occurred. I used my Chase checking card 4 hours before the fraud charges. The fraud charges happened 10 hours away from where I was! He filed a claim with this information. 

XX/XX/XXXX My claim was denied. Chase said the charges would stay on my account. I called Chase fraud escalation again, this call lasted 40 minutes. The Chase representative said that there was more than enough evidence to make the charges fraud.

1- I had proof I was 10 hours away from the fraud transactions.

2- There were 3 approved transactions and 4 denied transactions, making it look like someone kept trying to use the card until it was approved anywhere. 
3- They did not use an authorized chip card XX/XX/XXXXt- I just received correspondence from Chase that my claim was denied again. 

I do not have the exact times that the Fraud charges occurred, but I have attached Chase email from XXXX the morning of XX/XX/XXXX ( Chase rep said the charges happened 4 hours after my XX/XX/XXXX purchase [ plus the 1 hour time difference ] ). I have also attached a XXXX XXXX XXXX from the night of the XX/XX/XXXX in New Mexico.
Product: Money transfer, virtual currency, or money service

In XXXX, around the XXXX, a scam company hacked into my phone. MXXXX XXXX XXXX  was hacked. I went to call the number for the XXXX help service. The people said it was because of some crypto. They had me open my venmo, they were on my phone through an app. They gained access to all my personal information. Once I realized they were not XXXX it was about an hr or so later, I called all companies, including Venmo and Paypal, to let them know what happened. My bank account was closed. We had to open a new one. Venmo said they would empty my account of any funds. They would report it to the fraud company. Paypal said the same thing. I checked my venmo account, there was a XXXX negative balance. I did not make those charges. I have repeatedly been on the phone with Paypal. I just noticed Venmo today. I am not sure what else to do. I didn't make those charges or transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 

Shown proof by XXXX in early XXXX & myself man of time, still on report as active. Acct paid in full XX/XX/22
Product: Mortgage

On XXXX XXXX prior to closing on a refiance i contacted wells fargo, the mortgage holder, to inquire about payoff amounts. I was informed prior to the call that under FHA terms interest was allowed to accrew through the end of the month ; but that interest could be waived and prorated. 

I brought this to the attention of thd wells fargo representative, and she confirmed that they would prorate my interest, as allowed by new fha guidelines. However, after the payment was received I was informed by wells fargo that they would not be prorating my interest. 

They are of course entitled to do so, however they should not be allowed to essentially lie to me about if they are going to. While not a great deal of money, some XXXX $ ; I had planned on those additional funds being availible, because they told me so. This is a company that appears to be continuing to use deceptive tactics.
Product: Credit reporting or other personal consumer reports

I have multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was supposed to remove this fraudulent trade as of XXXX per their response. It has been removed from all CRAs with the exception of Experian. Please remove ASAP!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to an inadequate customer service. Which violate the customer Financial protection act. Specifically Cash app did not take the time to and effective measures to prevent an Address for on their platform, leaving my account vulnerable and unprotected. Furthermore, there Dispute resolution process was unfair deceptive and they do not comply with errors resolution requirements under the electronic fraud transfer act. These actions have caused significantly inconvenience and financially loss. I see appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I have been a very loyal customer of Bank of America for the past 20 years and have frequently used international wire transfers for transferring money from my USA account to my account here in XXXX. 

I have both USD & XXXX XXXX account in XXXX in " XXXX XXXX XXXX  '' and up until couple of months back, very easily I was able to set wire transfer online using bank of america 's website. I would transfer amount in US Dollars and Bank of America would charge {$45.00} as transfer fees, this was all working fine for me. 

Few days back I tried to schedule another wire from Bank of America for transfer to my XXXX based USD account, to my surprise - Bank of America 's website refused to do the transfer stating that oh " by law we need to tell you exactly how much fees will be charged but we can not determine that from your bank so we are unable to transfer to this account in US Dollars. However, you can try to transfer in XXXX XXXX and we won't charge you any fees for that ''. 

I thought, I convert my dollars anyway in XXXX XXXX here so why not let 's try to send money in XXXX. There I found that they are giving me an exchange rate of XXXX XXXX per dollar compared to the rate of XXXX per dollar here in my XXXX bank ( and in the international market ). WOW - so previously, for XXXX dollars, I would get XXXX XXXX but bank of america is giving me XXXX XXXX. That's XXXX XXXX which is XXXX US dollars compared to {$45.00} flat fee that they used to charge and the more I want to transfer the more I would have to pay. 

This is completely non-sense. They are hiding behind the execuse that we can't transfer to this bank in USD because we can not determine the fees, but they don't have any problem transferring in XXXX? The other bank doesn't charge different fees for US Dollars or XXXX so if they can determine what would be the XXXX charges, they are the same for US Dollars so this is a complete non-sense basicaly forcing customers to transfer in local currency so they can make this huge 5 % on the exchange rate.

It's a complete rip-off and we would like your help in making them correct this. I have account in other US banks and they are not forcing the customer to send in local currency. So if other banks have no problem, Bank of america should not have either. We can also consider sending in local currency but they can't give exchange rate of their own choice, even if you go to any other international money transfer company like XXXX XXXX, XXXX, XXXX, you can see that they give you a very competitive rate compares to international market, but Bank of america is ripping it's customers by charging as high as 5 % of the exchange rate and forcing customers to send in local currency.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion and Blocking Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to formally notify you that I am a victim of the recent data breach involving your company. As a result, I am requesting the immediate blocking and deletion of all accounts referenced in my credit report, in accordance with the provisions of 15 USC 1681c-2 ( a ). 

As per the law, this provision allows for the removal and blocking of any fraudulent accounts or information that is related to a breach of personal data. I ask that you take the necessary steps to ensure that all accounts connected to this breach are blocked, deleted, and reflected as such in my credit report. Please confirm the deletion and blocking of these accounts and provide me with a written acknowledgment once these actions have been completed. If you require any further information or documentation from me, I will be happy to assist promptly. Thank you for your attention to this matter, and I look forward to your swift response and resolution.
Product: Debt collection

To Whom it may concern l have been disputing this debt numerous times, ( XX/XX/XXXX ) with XXXX, also with the debt collection agency ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to no avail, mail was returned ( see attached ) when l called, l was told numerous times that name on the account and my name does not match, therefore they would not speak to me. ( Whilst still reporting the same account to my credit profile ) This debt collection agency playing tricks and re-ageing account as if l just opened the account ; ( see attached ) it was reported to XXXX in XX/XX/XXXX that l owed {$7700.00}, whereas ( Cach LLC ) would not talk to me about same debt, l try to sue in XXXX XXXX XXXX small claims court l was told, l need to file report with CFPB, then l can sue for misrepresentation and FRAUD. 
l want ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to seize reporting unconfirmed debt to my credit profile and seize all collections, till they can proves said account belongs to me.
Product: Debt collection

I've never applied or attended XXXX XXXX account isnt mines.
Product: Money transfer, virtual currency, or money service

I noticed that a transaction was made in my XXXX wallet of {$2000.00} USD of BTC. So I decided to move the bitcoins to my bank. That same day XX/XX/2020 I filed a support ticket on the website since their phone number is only gives on option to lock the account. The next day, I recied a message that the I was sent a message saying my account had been locked. The website locked my account when i called to ask about the unauthorized transaction. I then had to take a picture of the front and back of my id and take a picture of my face for recovery. They said it would take 48-72 hours to respond. Today XX/XX/2020 I received an email saying my account was unlocked. I was able to get into the account ater several tried the app let me in and there is XXXX $ in it and all the transactions are all gone. I logged into my bank and they had in face charged my credit card a XXXX $ transaction fee. It says its for an ACH Withdrawal from coinbase.com XXXX. The fee was made on XX/XX/2020. I will be calling my bank to dispute the charge. Since my money and transactions have been removed I believe this to be a scam. Support keeps sending me into a loop on the website to change the password. 
I recievd an email that read : You sold for {$2000.00} USD of BTC We expect your sale to be completed by XX/XX/2020. 
Reference code XXXX Payment method USD Wallet Date XX/XX/2020 Amount XXXX BTC Exchange rate @ {$12000.00} / BTC Subtotal {$2000.00} Coinbase Fee {$30.00} Total {$2000.00} My account balance is now XXXX $
Product: Student loan

During my Senior year of attending The University of XXXX XXXX I had to apply for 3 private student loans through Wells Fargo in order to be able to complete my degree. I had been paying ON TIME, full payment amounts, when ever I would receive a bill in the mail. I was never sent the " Loan Account Detail Summary '' sheet that they send in the mail with the current bills I am getting nowadays, which shows which loan I am paying towards so I am able to write the loan # in large on my checks and paystub. When I would make my payments, I was under the impressions that Wells Fargo was allocating my payments accordingly to the loans that they should have been going towards. After about 6 months - year of making payments, I receive information in the mail that 1 of my 3 loans had gone into default due to missed payments and that I needed to contact them in order to get loan back into " recovery '' status. I had contacted Wells Fargo and explained the situation. My concerns were sent to a senior officer at the company, however they continued to stand by their claim of my loan being in default was accurate ... I am furious. I have managed to get that specific loan back into recovery by having them automatically withdraw out of my checking account monthly but this is now affecting my ability to purchase my first home, please help if possible : (
Product: Checking or savings account

On XX/XX/2021 chime bank suddenly Closed both my checking and savings accounts. The checking with over XXXX and the savings with over XXXX. I was asked for documents proving my address, the funds deposited and even tax information which i promptly sent on XX/XX/XXXX and for almost 3 weeks everyday i sent it again and again and asked for updates. I continue to only get automated email responses and no one who answers will give me answers and i have gotten any refund check. In fact they sent an email saying they have closed my account and its no explanation and i have not gotten my funds back. I am a single mom. I can not pay my rent or buy my childs medicine which i have also explained.
Product: Credit card

on or around XXXX of XXXX  I tried to use my credit card and it was decline, So I called Ollo Bank immediately to find out why. the Ollo Bank service representative said there were numerous online game charges to my card I explained that is wasn't me. I said my XXXX XXXX XXXX son might have done this. and she said that I was still responsible for unauthorized charges on my card that my son made. So i closed the card. I recently found out that a credit card company can't force you to pay for unauthorized charges. Ollo Bank has continued to report the wrong amount of my debt to the national credit bureaus. This company has all the proof that there company representative made a mistake by giving me wrong information. police reports, I.D . Theft Reports, and there actual recorded phone conversation that I had with the service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.