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

I recently filed a complaint against BBVA for an abundance of unauthorized XXXX transactions. The company responded saying in the end they would reevaluate the charges and get in touch with me. Two weeks have gone by and not a single rep has reached out to me as stated in their response. A dispute has not been started ( again as they stated in their response ) and since I have left the account open to hopefully get my funds back they have now charged me {$64.00} in low balance fees. BBVA is completely unable to manage a bank, has little to customer support, and is being bought out which makes them probably care even less about people and when they get their money stolen. I would like my original dispute totaling over {$13000.00} and this {$64.00} returned to my account before having to file a class actions suit against the company.
Product: Debt collection

When Covid-19 came they didnt have any help with making my account to stay in good standards it was very hard maintaining bills and they didnt do anything to help with my payments customer service was very rude and barely wanted to assist me with my debit ask to speak to managers and no one in management wouldnt help as well this is something I could afford I didnt have a job once XXXX hit I had been XXXX  and literally no one would me at all I need this account dispute off due to no help or communication skills as a agency
Product: Credit card or prepaid card

First off on the IKEA site if you wish to make application for an IKEA credit card ( which is a commenity bank credit card ) the message is the site is under construction and application needs to be made at an IKEA location. I drove to IKEA and customer service was not able to take an application. I took care of it via a phone call to commenity while I was at the IKEA store. I told them I had a freeze on my credit reports and they needed to contact me on the phone number to confirm my identity. I was told they did not do this and I needed to remove the freeze. I made application on XX/XX/XXXX. I removed the freeze with an end date of XX/XX/XXXX. ( FYI the freeze is still removed as of XXXX XXXX 2022 ) On XX/XX/XXXX I called Commenity bank to hear if the application had been approved and to let them know the freeze was going to be reinsatlled the following day. They were unable to give me a status on the application. My scores were well over 800 at the time. 100 percent of full payments made on time for all of my accounts over the past 25 plus years. I received a letter stating they did not approve the application due to inabiility to verify previous credit report. letter was dated XX/XX/XXXX. 
They NEVER ran a credit report with XXXX so how can they deny the application? 
I made 9 calls to commenity XXXX XXXX XXXX and was on hold for over half an hour each time trying to get this corrected
Product: Credit card

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a XXXX party which includes XXXX, XXXX, and XXXX. I sent my request to company on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and XXXX XXXX XXXX is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of XXXX. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has failed to investigate my credit report and attempted to bill both of my credit cards without my authorization
Product: Student loan

I am XXXX. I have been struggle to meet the payments since I have XXXX job that I have been working and still struggle to make the full payment. I have call and it take long time because I was using the relay operator.
Product: Debt collection

This Attorney a nd Wells Fargo have  violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has  gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to   cease and desist ALL collection activity until validation of the original note is provided.  <P/>  This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd  request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/>   I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains.
3. Provide details how the alleged debt was calculated.
4    . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt.
6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust.
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ).
8. Provide evidence that you are licensed to collect in my state.
9. Provide your license numbers and the Alleged Lender 's Registered Agent.
Product: Checking or savings account

On XX/XX/year>, someone stole my bank cards and all my information and made XXXX transactions, transfers, withdrawals on my account. {$140.00} at XXXX XXXX, {$120.00} at XXXX XXXX, {$41.00} at XXXX XXXX XXXX  {$190.00} at Journeys, {$180.00} at XXXX XXXX, {$200.00} at this address XXXX XXXX XXXX in XXXX XXXX this transaction was made 6 times, {$70.00} at XXXX XXXX, {$44.00} at XXXX XXXX XXXX, {$650.00} at XXXX XXXX XXXX XXXX in NEW YORK XXXX, {$650.00} at hotel Moca, {$600.00} at XXXX XXXX XXXX XXXX, {$580.00} at Apple bank which is my bank so im not sure how they were able to take money out of my bank without me present but these transactions all happened XX/XX/XXXX, i called them XX/XX/XXXX couldnt get a hold of them and called back the XXXX and was finally able to address what happened they explained to me the process I had to go to get this resolved which was turning my cards off so they couldnt make any more transactions and ordering me a new card. After that I was transferred to the fraud team to dispute the charges that were made on my account they disputed it and told me wait XXXX business days for the money to appear, then I received a dispute claim letter saying it was denied and they closed my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraudulent information had been reported by XXXX XXXX and XXXX XXXX XXXX XXXX for the amount of {$1600.00}. This negligent action has severely damage my credit score. ( My credit score was 820+ before this incident ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Student loan

Keep lying about how much I owe and payments made and how many loans were takin out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Date opened XX/XX/XXXX Acct # XXXX {$250.00}. 

XXXX XXXX, Date opened XX/XX/XXXX Acct # XXXX {$1200.00}. 

XXXX XXXX XXXX XXXX opened XX/XX/XXXX Acct # XXXX {$320.00}. 

XXXX XXXX Date opened XX/XX/XXXX Acct # XXXX {$2800.00}. 

XXXX XXXX XXXX opened XX/XX/XXXX Acct # XXXX {$1600.00}. 

According to 15 U.S.C 1681 section 602 A : I have a right to privacy. This code was violated by all the above accounts.

According to 15 U.S.C 1681 section 604 A ( 2 ) : Can not furnish without my written instructions. This code was violated by all the above accounts.

According to 15 U.S.C 1681s-2 : Any person can not furnish inaccurate information relating to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This code was violated by all the above accounts.
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. 

Account name : # 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 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 to any 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

I co-sign my daughter for the rental of her apartment for one year XXXX to XXXX, I told the company XXXX XXXXXXXX that I would not be extending her leases beyond the one year. I gave them a letter to that fact. My daughter renegotiate with XXXX XXXX  to stay for how long I dont know. As of XXXX & XX/XX/XXXX, She did not pay her rent, and because of that it affected my credit scores for the have a {$5000.00} debt in collection. I did not co-sign for my daughter pass the one year period. Please have Experian remove this from my credit report.
Product: Student loan

I spoke to pheaa 2 days ago in order to try and get an income-based repayment plan because I've been unable to afford the payments. And they refused to let me apply for the income-based loan saying that I was ineligible for the income-based loan because I am currently in default. But the purpose in me reaching out to them was trying find a way to work together to get myself out of this position. The only option they gave me was a payment that represented a 33 % of my income, {$500.00} a month, which will not leave me in any position to keep my house or feed my children. They also told me that if I don't make the payments they're going to garnish my wages so heavily that I will not be able to keep my house or feed my children. 

At this time, they are leaving me no choice but to not do anything because nothing I can do is good enough. If there's anything you can do it would be greatly appreciated as I am trying to make some kind of effort. 

Best regards, XXXX
Product: Debt collection

In reference to case # XXXX. Again, I am requesting VALIDATION not VERRIFICATION. A bill or statement does not prove that I owe this Debt. I want you to show me contract with the original creditor and/or resurgent with with my wet signature binding me to this debt. I have never did business with you so you should not be contacting me. I have a right to privacy, according to the fdcpa and fcra. you contacting me and saying something I don't know is harassment. I don't have an obligation to pay anyone that I do not owe. I am demanding that information. In addition, according to 15 USC 1681b ( a ) ( 2 ) permissible purpose, I have never given resurgent or the supposedly original creditor any written instruction to furnish anything on my consumer report. Please send me proof of that with my written instruction and my signature. You claim that you enclosed the original contract with my signature but I don't see it. I am not requesting verification, I want validation. If you cant prove this to me you need to cease collection. I don't want to see a bill/statement I want to see an obligation connecting me to this debt.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act DPT ED account # 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX These inquires are not mine, i have never authorized these. I believe i am a victim of identity thief.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention multiple inaccuracies on my credit report concerning several DEPTEDXXXX accounts. These accounts are duplicated, and many are reporting incorrect information, which violates federal law. I demand that these erroneous accounts be deleted immediately from my credit report.

Please note that XXXX has already removed these inaccurate accounts, recognizing the errors in reporting. I expect Equifax to take the same prompt action. 

Here are a few specific inaccuracies I have identified : DEPTEDXXXX, account number XXXX, amount XXXX XXXX XXXX : Opening date of XX/XX/year>, reporting 120 months Equifax : Opening date of XX/XX/year>, reporting XXXX  months DEPTEDXXXX account number XXXX, amount XXXX XXXX XXXX : Opening date of XX/XX/year>, reporting 120 months Equifax : Opening date of XX/XX/year>, reporting XXXX months DEPTEDXXXX, account number XXXX, amount XXXX XXXX XXXX : Opening date of XX/XX/year>, reporting 120 months Equifax : Opening date of XX/XX/year> , reporting XXXX  months DEPTEDXXXX, account number XXXX, amount XXXX XXXX  XXXX : Opening date of XX/XX/year>, reporting 120 months Equifax : Opening date of XX/XX/year>, reporting XXXX  months These discrepancies clearly demonstrate inaccurate reporting. According to the Fair Credit Reporting Act ( FCRA ) Section 611, credit reporting agencies are required to report only accurate and verifiable information. Any inaccurate information must be corrected or deleted within 30 days of being disputed.

Since these inaccuracies violate the FCRA, I am requesting that these duplicate and erroneous accounts be removed from my credit report immediately. Failure to do so will leave me with no choice but to pursue legal action to protect my rights.

I expect your swift response and confirmation of the deletion of these inaccurate accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to address and prevent 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 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: Credit reporting

I have several accounts on my credit file that are reported inaccurately. I reached out to the credit reporting agencies and have n't seen any change or updated from my original disputes.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED THAT I HAVE SOME HARD INQUIRIES THAT I DID NOT AUTHORIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not authorized KLARNA to give my information to these companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is illegal. 

I have not authorize or gave consent for XXXX XXXX  to run my credit
Product: Checking or savings account

I am trying to link my PNC bank account with my acorns investment app. PNC is not allowing me to link the two accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with XXXX and XXXX in disputing incorrect information on my credit reports. Today upon viewing XXXX XXXX it looks like one problem has been solved that XXXX XXXX XXXX was deleted off my report finally however when I viewed credit sesame it shows that they reported it as a charge off as of today again. My credit reports are showing incorrect information. I 've tried contacting XXXX and keep getting transferred then on hold for over 20 minutes then disconnected. I tried to go online plus call XXXX and a recording comes on that there is a high volume of calls and to try back later. I ca n't even check my credit report online with XXXX nor XXXX. I have 3 negative things on my report that do not belong on there and it is affecting me in obtaining substantial credit as it is ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, there was a 30 day late payment posted to my credit from WF/XXXX   I've had this card for 2 years with no late payments and the payment posted on time. Since then all payments have been on time. This is a discrepancy by Wells Fargo that needs to be corrected as this has dropped my credit score tremendously!
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, TRANSUNION CONSUMER SOLUTIONS, AND XXXX XXXX XXXX, has violated the FCRA, by conducting a reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate1. The FCRA requires consumer reporting agencies ( CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate 4.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thef
t report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I filed a dispute with XXXX, Transunion, and XXXX regarding fraudulent accounts that had been reporting under my name and social security number that they maintain under a credit profile on XX/XX/year>. I filed another dispute XX/XX/year>, also addressing the accounts, by providing an Identity Theft statement, that outlines the accounts reporting. In the affidavit I made it clear that these are accounts are not transactions that I have been associated with, and that they were fraudulent. As of today, my dispute came back from XXXX stating that the XXXX account was verified. At this time the accounts from XXXX Bank account ( XXXX and JPMCB ( XXXX ) are not accounts authorized by me. I want the accounts removed from the credit reports that are maintained under my number. Failure to remove the accounts, will result in a lawsuit being filed against each credit reporting agency. I will attach verifying documents.