23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate, when noticing this and knowing that according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) Therefore, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have reached out to Ditech repeatedly to have them fix their records of my mortgage payments. My mortgage is up to date with payments but they continue to show we are past due AND assess me late fees that are not justified. My email messages and phone calls continue to go unanswered. The long and the short is .... As we explained in emails we were victims of identify fraud XX/XX/XXXX. That led us to having to open a new account so our XX/XX/XXXX payment was not made until XXXX/XXXX/XXXX. Then we forgot to setup autopay so our XX/XX/XXXX and XX/XX/XXXX payment was n't made until XXXX/XXXX/XXXX totaling {$3200.00}. Our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX and our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX. We are up to date until the next payment that is due on XXXX/XXXX/XXXX. 
To recap : XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$3200.00} covered XX/XX/XXXX and XX/XX/XXXX payments XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment Next payment not due to you until XXXX XXXX for XX/XX/XXXX mortgage. 
Along the way they took multiple payments from my account but they have refunded those.
Product: Checking or savings account

I recently moved to XXXX XXXXXXXX XXXX from XXXX. I went to US Bank to open an account and showed them my XXXX ID and US passport. They didnt request any other docs and opened my account and gave me a debit card. I deposited all of my funds thinking it would be safe in the bank. On XX/XX/XXXX I went grocery shopping and my debit card was declined. I called the bank and they said they put a hold on it pending verification of my address. The next day I went to a branch and provided them a copy of my lease and they sent it to the corporate office and said it would take one business day to release the hold. Today, XX/XX/XXXX the hold is still not released and nobody from US Bank has contacted me about it. I tried calling customer support but was told their system was down. I have had nothing to eat now for 4 days. My rent is due this week and I will be evicted if I can not pay. I can not get to work without my money. They are ruining my life XXXX XXXX XXXX XXXXXXXX. Please help.
Product: Credit reporting

Please help me, I have disputed previously a couple things with Transunion, provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Product: Prepaid card

This issue is documented in XXXX XXXX 's customer service system as case number " XXXX ''. 
Throughout XXXX, roughly XXXX XXXX XXXX ( XXXX ) virtual XXXX and XXXX general use prepaid cards were purchased in bulk from an authorized vendor of XXXX. The vast majority of these cards have not been able to be used as payment for purchases, as the cards are declining. 
Through XXXX of XXXX, some purchases attempted on the prepaid card accounts were declined, even though the funds on the prepaid card accounts were sufficient to cover the purchase. 
On XX/XX/2023, I contacted XXXX customer support to learn the status of the prepaid card accounts and the reason for the declined transactions, and customer support told me that the prepaid card accounts had been blocked via an automated flagging process due to suspicion that a 3rd party had compromised the prepaid card accounts, and unsuccessfully attempted to send me via email new prepaid card account details, and afterwards created a customer service case for me, and requested additional information ( phone numbers, card numbers, registered name, mailing address ) on the accounts and registration info which I provided to their email at XXXX. 
On XX/XX/2023, I received a email saying the case was resolved, and asked me to provide the same information to a different email, XXXX, and said that there would be an update or resolution within 1 to 2 business days, and then after I forwarded the information to the new email address, I was notified via email that the case was reopened. 
On XX/XX/2023, I replied to the last email received from XXXX, XXXX, for an update on the case, since it had now been 4 weekdays. I have not received a reply. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New '' On XX/XX/2023, I received an email from XXXX asking for the third time for the phone numbers, card numbers, registered name, and mailing addresses, and that a resolution or update would be provided after XXXX business days. This email was not responded to since this information was provided twice already. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New ''. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I received automated emails from XXXX with no substance, stating that they would provide me with an update as soon as possible, stating the case status as " InProgress ''. 
On XX/XX/2023, I contacted XXXX via phone and asked for an update on the case, and they could not provide any update of substance or a timeframe for resolution.
Product: Checking or savings account

Quarterly premiums have continued to be deducted from my checking account for many months on a product that is no longer even offered.
Product: Credit reporting or other personal consumer reports

5. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told the XXXX, XXXX, and Equifax to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

I discovered that credit card debt from XXXX XXXX has been added to my credit history, which is the result of identity theft. I want to clarify that this debt is not mine, and I am actively working to resolve the issue by filing disputes with the credit bureaus and reporting the fraudulent activity to the appropriate institutions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore l, their dispute resolution process was 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

ERC is a debt collector trying to collect debt from XXXX. Unable to verify debt/ amount. No communication from either company and they are reporting on my credit report negatively
Product: Checking or savings account

[ XX/XX/XXXX : Notified by XXXX that payment of {$1500.00} for damage claim was ready for transfer ; immediately emailed a receipt and noticed the last four digits of the bank account in the paid to category was incorrect by one digit ; called XXXX who stated the funds would be rejected due to the name and account number not matching. ] [ XX/XX/XXXX - XXXX : Dispute submitted to XXXX after notifying them of the error ; XXXX responded that the funds had not been located and refer back to sender to locate, send a letter of indemnity, OR provide a 15-digit trace number. ] [ XX/XX/XXXX - Called XXXX and they insisted that they needed an account number or trace number to locate funds ; reached out to XXXX XXXX XXXX from XXXX to resolve the error. ] [ XX/XX/XXXX : XXXX XXXX from XXXX, emailed a Research Request Form compiled by XXXX XXXX XXXX Ingo Money Inc ( Ingo Money Inc handles transactions for XXXX ) ; this document was compiled after complaining numerous times of needing more information on the transaction so that XXXX could locate the funds ; the option to reverse the deposit was never given to me. ] [ XX/XX/XXXX : By this time XXXX disputes had been submitted to XXXX but the newest dispute contained the bank account number that the funds incorrectly went to so that XXXX could locate the funds ; XXXX responded funds posted as directed no error occurred. Refer back to sender to send letter of indemnity. Note that the previous dispute on XX/XX/XXXX gave XXXX options to rectify the issue ; after the funds had been located, we are now being told they can not remove the funds from the incorrect account without a letter of indemnity. XXXX more disputes have been submitted with XXXX with no progress. ] [ I have called Ingo Money Inc approximately 8+ times ; they claim that they are unable to transfer us to XXXX XXXX XXXX Each time they take my contact information and no one ever reaches out. We have also emailed XXXX ' and XXXX " requesting help and a letter of indemnity but made no progress. ] [ The only direction I received from Ingo Customer Service was to contact the following number XXXX ; from then on I am told someone in XXXX department will reach out and they do not return our request. ]
Product: Debt collection

Beginning XX/XX/XXXX I sent in a debt validation letter to the collection agency and the original creditor. Debt wasn't verified and was supposed to have been deleted from my credit report. Collection came back as verified. Sent a method of verification letter to both the collection agency and original creditor. Information was not submitted in a timely manner. Collection agency deleted from my credit report but not original creditor. On XX/XX/XXXX sent out another round of dispute letters and it's still coming back as verified. No method of verification of debt has been received as of this date.
Product: Debt collection

someone took out a speedy cash loan out with my social security number but the loan is in a different name it's not my name but its my social security number the account is not mine I never took out any payday loans. i called the company and tried to dispute this but they are giving me a hard time, they tell me its not my name it's under but its my social. this is ruining my credit for something that doesn't belong to me and I want this company to fix it immediately and be accountable for their mistake in not obtaining proof when giving out loans
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I continue to ask ARS TO PROVIDE THE FOLLOWING...... THEY NEVER SEND THE INFORMATION I'M ASKING FOR. 

FORWARD DETAILS ABOUT YOUR AUTHORITY TO COLLECT THIS DEBT WHETHER YOU ARE LICENSED IN MY STATE AND IF SO PROVIDE THE DATE OF THE LICENSE, NAME ON THE LICENSED NUMBER AND THE NAME ADDRESS AND TELEPHONE NUMBER OF THE STATE AGENCY ISSUING THE LICENSE IF YOU ARE CONTACTING ME FROM OUTSIDE MY STATE PROVIDE THE LICENSING INFORMATION FROM YOUR STATE AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.
Product: Checking or savings account

wells fargo bank has charged me several insufficient fees for unauthorized transactions, that wells fargo has not even paid.
Product: Credit reporting or other personal consumer reports

I would like to inform you that I have been a victim of identity theft. 
The fraudulent inquiries listed in this letter need to be marked as fraud and deleted from my Equifax credit report according 605B of the Fair Credit Reporting Act. 

Fraudulent inquiries are XXXX XXXX requested XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I AM NOT LOOKING FOR A COURTESY OVERDRAFT FEE REMOVAL! Its NOT a courtesy!! Wells fargo has an ERROR that needs to be fixed! XX/XX/XXXX my account went into the negative, XX/XX/XXXX a money transfer was made into my account to cover that. ( It shows you have until XX/XX/XXXX to put that money back in and bring your account current ). So I made it. MY ENDING BALANCE SHOWS ME POSITIVE!! Wells fargo charged a SURPRISE OVERDRAFT FEE 3 TIMES!! I was still charged a overdraft because they said Money transfers dont count althought for me it showed my negative balance was clear. Also in their terms in black and white it shows Deposit or transfer enough money to your account to establish and maintain a positive available balance if needed. They are also now charging an overdraft fee on an XX/XX/XXXX transaction that was covered with a money transfer XX/XX/XXXX. Then since I was in the negative a transaction came out XX/XX/XXXX and I paid that the SAME DAY! I still got a over draft fee for that although I paid it. They did NOT do a true investigation on this case. For you all to be seeing something in the background that I, the consumer can NOT see that is not legal to charge me for something I can not control or see but you can! Thats a Surprise overdraft fee and it has been a recurring issue for consumers who can neither reasonably anticipate nor take steps to avoid them. IF I SEE MY ACCOUNT IS POSITIVE HOW CAN YOU CHARGE ME???? If I was in the negative XX/XX/XXXX HOWWWW was I able to do a MULTIPLE XXXX XXXX transactions? XX/XX/XXXX is AFTER XX/XX/XXXX which they are saying I got a overdraft fee for! You cant make those transactions with a negative balance!! Also I did a {$99.00} XXXX XXXX transaction XX/XX/XXXX AFTER paying off the overdraft of {$49.00} from XXXX. How was I able to do ANY OF THOSE TRANSACTIONS THAT REQUIRES MONEY IN YOUR ACCOUNT IF IT WASN'T POSITIVE! These screenshots are SETTLED transactions by the way, AFTER everything has finished pending. It shows XX/XX/XXXX I got a charge of {$20.00} I then made a PAYMENT THAT SETTLED THE SAME DAY TO COVER THAT!!! As shown in the screenshot! 

You all are required to stop charging SURPRISE overdraft fees & STILL ARE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( XXXX, XXXX  and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to XXXX  and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX   and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with XXXX, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Credit card or prepaid card

XX/XX/XXXX I got a applied online and got a CareCredit Card to cover the XXXX XXXX that I needed to get in XX/XX/XXXX. It was about {$1200.00}. I was told I have a year to pay off the fees with no interest charges. I 've been sending money every month to pay off this debt. Logged in the other day ( XX/XX/XXXX ) to pay on the card and noticed the debt amount looked as though it had not lowered AT ALL. I did further research and realized that there were not only {$2.00} interest charges but there were also MULTIPLE " security card charges '', all $ 18+, that I NEVER signed up for. I applied for this credit card online and NEVER opt-in for this " card security '' feature. I should NOT be getting charged any interest fees. 
Customer service was 100 % awful and unhelpful. Telling me I needed to call some other numbers and blaming me for this. This needs to be investigated because they are clearly running some kind of scam.