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

On Saturday, XX/XX/2024, there was a fraudulent XXXX XXXX XXXX XXXX application using my personal information. On Tuesday, XX/XX/2024, I received a credit alert about a hard inquiry on my account and contact the XXXX XXXX department. I was told the credit card application was shut down and that it was reported to the credit bureaus. However, it is almost one month later and the hard inquiry has not been removed. I contacted TransUnion and they advised that I can not submit a dispute for a hard inquiry and that XXXX needs to update my credit report to remove the hard inquiry. After contacting XXXX again, I was told that I need to wait up to 90 days and then contact them back if it has not been removed. This is not a satisfactory resolution time as this was fraud and should be resolved quickly so as not to impact the credit score and report of their customer.
Product: Student loan

Back in XX/XX/XXXX my wife and I consolidated into one bank account, XXXX. Before we were using XXXX XXXX XXXX. I changed my account information online and spoke with a representative on the phone after the first month did not work correctly. Now for XX/XX/XXXX payment it did the same thing. They have my account information and this will be on them again for this month 's payment. I have had issues with Navient for the past few years and it seems that every other month there is something new that they screw up. They have my account information and should fix this by XX/XX/XXXX payment. The XXXX month they rolled the charges back into the debt so I 'm assuming they will do this again. It is not my responsibility to fix their mistakes and it is their responsibility to collect. I even have email confirmation and online confirmation stating that my payment account has been changed to our new bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX on XX/XX/XXXX to get a credit card and they denied me, didn't know why if I pay all my bills on time and make good money. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, 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

Re : Account ending in XXXX, XXXX Capital One Case XXXX CFPB Case : XXXX The Law says 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I decided not to have any information shared with any XXXX parties and any contract I had with Capital One is revoked! You damage my reputation, welfare and credit to where I'm being refuse to open a bank account YOU DONT HAVE PERMISSION to SHARE any of My INFORMATION
Product: Credit card

I am filing another complaint. Even though I spent hours working with Bank of America by overpaying, setting up an earlier auto pay date. They Are still charging me late fees. Nothing I do is fixing the situation. They are defrauding me.
Product: Money transfer, virtual currency, or money service

I am filling 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 vulnerable and unprotected. Furthermore, their dispute resolution process is 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: Debt collection

I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.
Product: Credit card or prepaid card

Chase Southwest Rapid Rewards card Attn : Refund unfair and sneaky transaction charge I've noticed the mysterious charge of {$30.00} transaction charge and {$7.00} cash advance interest charge on XX/XX/23 & XX/XX/23 respectively. When I called Chase, they said funding my online sports gambling account ( BETMGM ) is considered a " cash advance '' transaction and there is a {$30.00} charge and the interest will be accrued on the amount. 

Though I've told them that I was never aware of the fact that making a transaction at my " XXXX '' account will be considered a " cash advance '' and that the Chase app never notified me of this at the time of the transaction. I called the dispute department at Chase and spoke to 3 different agents to find out about these

two mysterious charges. The last representative was the supervisor who told me " It is stated in your CC agreement that any transaction to an online sports gambling site is considered a cash advance. '' and finally hung up on me before I could plead my case where I've opened up the Chase Southwest Credit card when online sports gambling wasn't available at the time. So there is no way the Credit Card agreement had that specific clause. 

I sent an email message to their customer service department stating that I was never aware of such a policy/rule and asked for a refund of {$30.00} + {$7.00} a few days ago. To my surprise, they sent me a very quick and generic message stating the same response saying that the transaction is considered a " cash advance '' and they are unable to credit my account without understanding the fact that I was never aware of this " policy '' when I signed up for the credit card. And since I wasn't aware of this policy and they failed to notify me at the time of the transaction during a mobile transaction, I think I should get the refund from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a delay in getting answers and a resolution regarding my Equifax settlement funds. During my call on XX/XX/XXXX, I asked the representative for the date the check was sent out and tracking number so I can provide the information to authorities. The representative at XXXX was not able to provide me with this information. I asked for a supervisor and was told 'the supervisors are busy '. 

I asked if they had another number they can provide me and was told there was no other number for their court appointed equifax settlement department. I was told another inquiry would be put in and I would receive a call back from XXXX but was not told when I would receive a call back or who would be calling me stating they can not provide me with any supervisors names in the Equifax specialized department. 

I was told a representative called me on XX/XX/XXXX ; however, my records do not show a phone call from XXXX. When I asked if the supervisor would be using a different number to call back I was told the only number used by their supervisor is XXXX which is an answering service. I was told that scheduling a call back was not possible. 

Upon requesting the date the check was mailed out, tracking information and confirmation a stop payment was placed on the check ; I was told the inquiry would be escalated to the administrator ( with no name or contact number ) - again.
Product: Credit card

XX/XX/XXXX, I had filled a dispute with capital one for {$60.00} I received a letter stating that I had won my dispute ; and that I would be a credit which I did. However I also had fraud on my account and for some reason the fraud customer service rep included that transaction in the fraud case and another credit was issued and had to be reversed ; I then spoke with an XXXX and explained that this issue had been going on for nearly XXXX months, and XXXX in executive resolution agreed and issued a credit to my account a good will credit ; however I then got a call from another agent who said she was reversing the credit, I objected and asked for her supervisor which did not resolve the issue, I then also called the executive office again on XXXX/XXXX/15 at XXXX XXXX mst and spoke with XXXX ; who assured me the issue would be resolved however no one she spoke to was able to report the credit. they al state it was part of my dispute ; i continued to report that it was not part of the dispute it was issued as a good will adjustment for all the time I had spent trying to resolve the issue. I also received a letter from capital one stating they would increwase my reward by {$40.00} for the hassle I have called several times and the rewards have not shown up. Finally XX/XX/XXXX I had XXXX more transactions post to my account that were not mine ; I called and reported the fraud and was told that credit would immediatly be issued against the charge which it was however then a fraud hold was placed on my account not allowing me to use the funds as I was promised.
Product: Debt collection

As dated, XX/XX/2023, Southwest Credit System has invasion my rights to privacy. I, XXXX XXXX, do not agree to contract, I do not give consent for such company to have my nonpublic personal information. See attachments.
Product: Credit reporting or other personal consumer reports

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Dear XXXX, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly requested a detailed re-investigation into the discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments, etc. If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section XXXX. Furthermore, I would like to remind you that according to the standard time frame provided by the FCRA, there are only XXXX days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.
Product: Credit card or prepaid card

I contacted Chase Bank regarding my Prime/Visa card. To begin I must have inadvertently signed up to go paperless when I applied for the card, as the lady I talked to said often happens. 
I made my first charge on XX/XX/2023 but I never received an email or text invoice or any communication with Chase until I received a paper notice this week with a {$29.00} late fee. We have never paid a late fee and while I should have been more careful I belief that the late fee was the result of Chase 's poorly designed website because Apparently I was not the first person to fall into this. 
When I called Chase 's customer service line the girl could not help me because I could not verify I worked at any of the Corporations they named or lived at any of the addresses they had. She said that a representative would contact me but I know how that works. I just want this resolve one way or the other.
Product: Credit card or prepaid card

Card is on my credit report that isnt mine the company Bank of America never verified with me like it states on my credit report because of fraud in the pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not used my reports from XX/XX/2021 I have 10 inquiries on my record that I did not authorize anyone to try to apply for and I have two collections on my record that I do not use by anything I have internet service from XXXX XXXX phone company I do not have a tv I did not authorize any information on this report it is all fraud and I need them to delete this immediately
Product: Checking or savings account

My name is XXXX XXXX. I enrolled in XXXX XXXX XXXX on XX/XX/2022. They advertised that " Chase is offering some business customers {$1000.00} when signing up for XXXX XXXX XXXX and processing {$2000.00} ( at least 5 transactions and settle {$2000.00} or more into the Chase payment solution account ) in payments. 

My merchant services account was approved. The account number is XXXX. I called Chase and XXXX of the XXXX XXXX XXXX team members XXXX XXXX confirmed my enrollment in the promotion " Chase is offering some business customers {$1000.00} when signing up for XXXX XXXX XXXX and processing {$2000.00} ( at least 5 transactions and settle {$2000.00} or more into the Chase payment solution account ) in payments. 

I met the requirement on XX/XX/2022 when I had had at least 5 transactions and settled {$2000.00} into my account. It was advertised that the cash bonus will be deposited into my account within 31 days after the requirement are met. However, I have been waiting for almost three months and still have not seen the cash bonus posted. I called Chase several times and each time they just ask me to wait for another month.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXXXXXXXXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2. It also states the consumer reporting agency can not furnish a account without my written instructions to do so.
Product: Debt collection

RE : Radius Global Solutions account # XXXX XXXX RADIUS Global Solutions bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago Radius began sending me collection notices for the XXXX accounts listed on my ID Theft Report. XXXX of XXXX I sent Radius Global Solutions a CEASE & DESIST request. Global Solutions has ignored that request. I do not owe any debt from  XXXX and Radius Global is harassing me. I am again requesting for Radius Global Solutions to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency.  Radius G.S. does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.
Product: Debt collection

Complaint against : Transworld Systems Incorporated XXXX I've told this company multiple times to stop calling me. There is no debt I owe them or any other debt collectors. They continue to call my cell phone every 2-3 days and leave voicemails. All they state in the voicemail is that " this is a recorded line ''. They then state " hello, hello, hello ''. And they finish by stating " no response received. Disconnecting call ''. I receive voicemails like this every 2-3 days. 

Here is a history of all the call attempts made by this company in the month of XXXX alone : - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX
Product: Checking or savings account

Robinhood has locked my account, an account that hasn't had a trade executed in several years and which the account balance is {$140.00}. They will not let me withdraw the money and have not responded to multiple requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have issues with Experian concerning my Experian Credit Report and Experian FICO 8 score. My credit report incorrectly showed more than 50 % of available credit used. Once that was corrected, there was no improvement in my credit score ( even though this accounts for 30 % of such FICO 8 credit score ). I also requested Experian to manually add some utility and other accounts not regularly submitted to Experian by the comapny/companies ). Experian does this to some extent with their " Experian Boost '' program/function feature - although it is not currently available to all consumers via all financial institutions and was designed to be done via a automated program that extracts bill pay information from a consumer 's financial institution. I understand Experian " does not '' actively seek account information '' for consumers. I also understand that the information submitted to Experian is a ) NOT verified for accuracy by Experian and is reflected as presented ( right or wrong ), and b ) such information as reported ( again right or wrong ) directly impacts the consumer 's credit score as  computed by Experian. Whereas Experian provides this credit score and related credit report information to  lenders/businesses, Experian has an obligation to ensure that the information it provides to such lenders/businesses is accurate and Experian has a corresponding obligation to consumers related to such consumer 's credit score, computed by Experian, based on such information reported to Experian.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX. Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Company continues to furnish fraudulent information to my report. After being informed that my personal information was exposed in data breach, company was sent copies of the filed ftc report listing this account as fraudulent. This is a direct violation of USC 1681. 

Acct # XXXX