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

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I checked it as usual, but this time, unexpected discrepancies appeared. I tried refreshing the page, hoping it was a glitch, but nothing changed. The unauthorized inquiries remained. I urgently request that you thoroughly review the documents Ive sent to resolve this issue so I can finally stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  and ( Original XXXX : ) XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

JPMCB AUTO FINANCE reported an inquiry on my consumer report without fully disclosing to me upon our initial conversation that such information will be reported to a third party. They also failed to provide me with the opportunity to opt out of sharing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.Below you will find a screenshot of the account. 
XXXX  XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing this 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 was unfair and deceptive, as they did not comply with the 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: Checking or savings account

I was caught in a rental scam. XXXX XXXX XXXX Has a home at XXXX XXXX XXXX XXXX XXXX TX listed as move in ready for rent and the home isn't livable nor are keys being given. I paid {$850.00} for deposit and first rent. The home has holes in the roof and no carpet and she has relished the home for rent to collect more payments. 

She stated that she won't be refunding then blocked my access to her. 

I reported this to chime bank and was denied a refund. I haven't been given the details on why they're being mailed out.
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 XXXX 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 called XXXX  Visa ( XXXX XXXX XXXX ) they have a derogatory account on my credit report that they sold to two different collection agencies XXXX XXXX and XXXX. I have never had an account with this company and they are unable to find me in their system. They wouldnt provide me any assistance with this issue. The document that the collection agency XXXX provided has an address listed on there that is not a real address when you google it. I provided the company my social and the card number listed on the paper. This a fraudulent account and this company is selling my information to companies for a debt that is not owed to them. They transferred me to another collection company who isnt listed on my credit report but, wouldnt provide any additional information about XXXX  visa.
Product: Credit reporting or other personal consumer reports

I contacted experian about a dispute I needed to be resolved. I was in undergrad at the time, and the apartments off campus renewed my lease for the XXXX school year when I showed proof that I would no longer be attending that college anymore. In order to stay in those apartments, you have to be a student. But because in XX/XX/year> I would no longer be a student, I had the right to not renew my lease, and not be penalized for it. The apartment complex cleared everything on their end, but experian refused to remove this situation from my credit report even though they called and confirmed with the apartment complex that I no longer had a balance there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am AGAIN disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and this account and the account number you claim I have with you is familiar in the least. You provided me with no information as to the nature of this account, or any documentation that any such account exists. Moreover, I do not have a financial obligation to this company ; Company has not validated this account. Please delete the account below : Original creditor : XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, there is clear discrepancies that XXXX indicate a violation of XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( XXXX  ) by the credit reporting agencies. Heres what I identified : XXXX XXXX XXXX Credit Bureaus and they should be removed from my report. 

Account : XXXX Lender : SXXXX Account XXXX Lender : XXXX Account XXXX Lender XXXX XXXX Account XXXX Lender XXXX These discrepancies demonstrate that follow reasonable procedures to ensure the accuracy of my report. Despite submitting a dispute on XX/XX/year>, the errors have not been corrected. 

I request that the CFPB investigate this matter and take appropriate action against for violating the FCRA. I have also attached proof of identity to files
Product: Bank account or service

Wells Fargo, XXXX, XXXX and XXXX have a disconnect that results in a severe bias in all XXXX of my credit histories. The bureaus show no record of an existing WF Home Equity Line of Credit on my home. There is therefore no record of my timely payments. 
The lack of this record of timely payment of mortgage debt obligation severely depresses by credit score and unfairly interferes with my ability to refinance my home by creating a higher interest rate. 
I filed for CH XXXX bankruptcy in XX/XX/XXXX. During the bankruptcy period, the reporting of this debt stopped. This I believe is in accordance with federal law. No problem. 
I completed this bankruptcy early .... discharged XXXX The reporting of this debt should have resumed at that time ; the recording of that debt should have also resumed at that time. 
I have attempted XXXX times to have Wells Fargo begin reporting the last 12 to 24 months of payments on this account with the original loan creation date, about 10 years ago. It still does not show on any credit report. 
I have attempted twice, direct to each of the bureaus, to have this matter corrected. I received varied responses but ... ... .the mortgage and history do not show on any credit report. 
First my credit ratings are penalized for having filed CH XXXX ... ... that is a public record derogatory that depresses my credit rating. Understandable and fair. 
But to deny me the benefit of my timely HELOC payments since my bankruptcy is unacceptable! 
Wells Fargo states they can not report my account since " it was discharged in bankruptcy ''. The payment to WF through the bankruptcy trustee was terminated when the bankruptcy was discharged. The loan was not discharged in bankruptcy. Proof : I still receive and pay a monthly invoice for this account that goes unreported. 
If a collusive practice among banks to also not report post-bankruptcy mortgages, this ( if not ) should be illegal. I make this statement as I 've had similar problem with XXXX. ] I simply want my credit histories corrected.
Product: Credit card or prepaid card

Have a Wells Fargo Card that I use to pay my cell phone bill in order to take advantage of the Cell phone protection program they advertise as a major benefit. My phone dies, I go to the apple store so they can trouble shoot and prepare a statement I need for the claim. They determine the phone is unrepairable since the issue is motherboard related/. The Card Benefits folks deny the claim claiming a manufactures defect. How could they possibly know that? They said the phone has to show physical damage to be eligible. The claims about this benefit, which is heavily marketed, and the reality are very misleading. When I asked for a review of the claim they sent me the the XXXX XXXX XXXX who I highly doubt many people will take the effort to file with. I believe the claims vs. the reality are misleading and the decisions are not based on objective fact. The fact that they do not have an escalation process outside a time consuming third party process means the company did not have good faith.
Product: Credit card

2 of 4 Re : Subject : Request for Ticket Rescheduling - AWAITING YOUR RESPONSE! 

XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 3 days ago ) to XXXX Subject : Apology for Lack of Response Dear XXXX, I would like to express my sincere apologies for any inconvenience my delayed response may have caused. My sleep schedule has been significantly disrupted following my recent XXXX, leading to my being awake primarily during the night and asleep during the day. I acknowledge that this situation is far from ideal, and I regret any misunderstanding that may have arisen as a result.

I have received and reviewed your message ; however, I was under the impression that I was to await further communication regarding the tickets. Unfortunately, I did not observe any subsequent follow-up messages. While I would prefer to make a phone call, I am currently unable to do so, and I wish to ensure that you are aware my lack of response was not intentional.

Could you kindly confirm whether it is still possible to have the tickets emailed to us for the specified date, or if they are no longer available?

Thank you for your understanding. 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my right have been violated. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Product: Credit reporting or other personal consumer reports

Experian has felled to fulfill its legal obligations under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are 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
Product: Credit card or prepaid card

on XX/XX/2019 I made a cash advance from a WELLS FARGO credit card to a WELLS FARGO checking account. I also have a large sum in my retirement accounts at WELLS FARGO. They charged me a fee of {$500.00} for this transaction that is in addition to the high interest rate they will charge monthly, and the interest charge I accept. l think this is such poor customer service and I feel practically like I have been scammed. I am sure there was some small print which I did not understand to be In Addition to the monthly interest charge. Also, in past months I felt I May be one of the names used for a fake account by them but strangely I could not access that information or add my name, for reasons I did not understand. I called customer service when I saw the charge of XXXX added to my balance and a supervisor ( XXXX ) says basically.. too bad, so sad, can not help you. No assistance was given. The main reason for my aggravation is that this transaction was all made within the same financial organization, Wells Fargo, I feel that this charge is excessive, that I was not properly informed, and an example of taking advantage of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, XXXX, and Experian, asking for validation of debt, upon the XXXX day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX and XXXX, XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


Experian will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company Ad Astra Recovery is trying to collect {$1500.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Ad Astra Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ad Astra Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Ad Astra Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

On Thursday XX/XX/XXXX of 2023 a representative from Genesys National Recovery called my XXXX  mother 's phone regarding a debt with XXXX XXXX. I enlisted in the gym due to an offer i got because of my previous employer, after i ended my working relationship i tried to cancel membership to no avail. In the call that was recorded by my parent, you can hear the representative letting a third person ( my mother ) that was listed as an in case of emergency contact, that i owed a debt for XXXX dollars and that they were going to seize my salary for the total amount of XXXX dollars, that included lawyer fees. They are breaking the law and the fdcpa by telling an un authorized third party about a debt not pertaining to them. Also, they called her repeated times today untill she picked up, about 4-5 times, my mother have health and XXXX  issues that aggravate due to stress. This company have my number and my email and they only contacted me once to settle debt in full. I told them i was unable to pay full and wanted to pay in installments. They said it was not an option. They also told my mother that i refused to negotiate. Please make this type of debt collecting stop, its affecting my mother 's and my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, FL XXXX inaccurate
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I tried to explain to the company this several times. They didnt even have my correct contact information on file and wouldnt give me any information of the person who took out the loan under my name with no proof of identity. The account shows to have been opened XX/XX/year> under synchrony bank for {$14000.00}.
Product: Consumer Loan

On XX/XX/XXXX at XXXX am I called to make a payment on my car loan. I told the customer service representative that I would like to make a payment on my loan and she said XXXX I have your loan number. I provided the loan number to the representative and she indicated that it was a XXXX account number and I had reached Huntington National Bank. We sent the information about your new number on Friday with your new loan number, have you not received it. I indicated that I had not received it. 

The representative was not friendly and had a tone when I was not a Huntington National Bank customer. I provided my SSN and the make and model of my car. She said that my payment would be 30 days past due, I indicated that 30 days would be on Monday and this is Saturday. They said that they do n't process payments on Saturday and it would reflect at END OF DAY Monday. I volunteered to bring cash into a branch and she indicated that it would not change anything. 

Why are they open on Saturdays and accepting business if they do n't apply payments or deposits on Saturday? XXXX could take deposits and apply payments on Saturday. This is unfair and deceptive, I did not ask to be a Huntington National Bank Customer, I was very happy at XXXX. Now a big conglomerate bank has purchased my bank and they do n't give enough notice to tell me that the practices have changed. 

I want Huntington National Bank to not put a bad mark on my credit for this payment as I do n't believe that there was timely disclosure that I would be moving to a bank that is OPEN on Saturday but does not apply payments or deposits on Saturday.
Product: Money transfers

I created an ad on XXXX looking for a room. Someone named XXXX responded back stating he had a studio and to send his uncle ( who supposedly owns the home and lives in XXXX Illinois ) {$280.00} for this month. We were then supposed to meet up in XXXX to sign the lease ( I can provide the address ). I kept calling him and no answer. I called MoneyGram Customer Service and they said it was too late and they took all my money and there was no point going back to the store called XXXX XXXX XXXX XXXX XXXX where it was purchased. Grand total was {$300.00} w/ fees.