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

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. 


Account Name : XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

I get an account from SYNCB/HOME DESING FURNITURE XXXX which is not mine I have not applied for credit I want them to review and investigate I have not authorized the furniture store to give credit on my name .i the past i had an account with them my debt with them was XXXX and it has been paid since 2015 always I made my payments and I do not owe anything now I have an open account for XXXX whose account I do not authorize and its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfinancial has ruined my life. Ive been reaching out to them for months. They keep reporting the same medical bill on my credit report twice. Same date same amount, I have proof.they are violating 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: 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 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 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: Bank account or service

I had an unauthorized withdrawal from my checking account. It has been 27 days and I have not received any of my money back. I was told i would get money back within 24 hours from day 1. I have called the bank on at least 6 occasions and they give me different reasons why my money is not in my account yet.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Upon checking my credit report, I came across multiple accounts that I believe were added without my knowledge. Please block and remove these accounts at once.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navient, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, and Navient whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

This is not a duplicate complaint. This is a new complaint about the same card company. Way2Go prepaid card for AL unemployment.

I filed a very detailed complaint against Way2Go on XX/XX/20. The complaint # is XXXX. Way2Go replied the next day and the complaint was closed. Absolutely nothing was  resolved! On Thursday, XX/XX/20 XXXX the advocate from Way2Go said he tried calling me twice and sent an email and he would try to call me 2 more times. This is not true! XXXX called me Thursday at XXXX and left a voicemail. I returned his call within the hour. That is the one and only time he called me. He also emailed me at XXXX. I tried to reply to his email at XXXX. I received an automatic reply with an error message. He did not leave a direct email address. 
My new complaint is that Way2Gos reply to CFPB is not true. I do not think the complaint should have been closed. They only tried calling 1 time and sent 1 email that cant receive a reply. 
XXXX left his his call back # XXXX. It rings 1 time and goes straight to voicemail. I called a left several messages on Friday  XX/XX/20, another message on Saturday and I have already left a new voicemail today Monday XX/XX/20. 
Any help is appreciated!! My AL unemployment benefits were deposited to Way2Go card company on XX/XX/20 I was told on XX/XX/20 that a card was being expedited 3 day XXXX. After calling for days, staying on hold for hours, being hung up on and speaking to several different customer service reps who all told a different story on why they could not provide me with a XXXX tracking # ... I was finally told that they did not send the card XXXX it went out in the reg mail. My utilities are being disconnected, my car is being repossessed and I have the funds to pay but can not because I do not have the Way2Go card! 
It is very frustrating to be so desperate to have to file a complaint against the card company w/ CFPB and Way2Go reply the very next day like they are trying to contact me and help. That is an insult when the truth is they tried 1 time and closed the complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran soft inquiries multiple times over several months without authorization from myself. TRANSUNION shared my credit information to that company when it was not authorized.
Product: Mortgage

RESPA violation May be for last 10/15rs or so Wells Fargo Bank has refused to provide entire escrow -account bills. I was never consulted about any payments and I have been billed for something thats I have no idea. Multiple complaints has been filed with this office and I still do not have anything about escrow account. Wells Fargo Bank should have authenticated each and every bill received. Each and every payment made. But no it was never done. They refused to provide on many instance I requested. They have refused to provide by form of discovery. They refused to provide even after I issued subpoena. They are cheating me by refusing to provide me entire records.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Credit reporting or other personal consumer reports

LexisNexis continue to report incorrect information on my consumer file. There are several names and address listed that are not mine and I have NEVER lived there. Consumer agencies are required to report accurate information or it is a violation of the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX there should be no other name or name variations listed on my report. My address is XXXX XXXX XXXX XXXX XXXX FL XXXX there should be no other addresses listed they do not belong to me. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

On XX/XX/2019, I tried to re-open a XXXX XXXX account because I was not happy with XXXX XXXX XXXX XXXX. When I tried, XXXX XXXX told me that I had a {$890.00} balance/debt to pay before I can re-open a XXXX XXXX account XXXX 
I made the payments in ( 3 ) three separate transactions because I did not have the full {$890.00} available in my bank account. 
After the transaction, the {$890.00} was successfully paid AND I was able to re-open my XXXX XXXX account, which is still my current cell phone service provider. 
XXXX still sold the account totaling exactly what I already paid, {$890.00} to Jefferson Capital Systems LLC and it showed on my credit report in Collections, which destroyed my credit. 
I have proof, ( 3 ) separate emails from XXXX XXXX emailing me of the successful payments totaling {$890.00} on XX/XX/2019. 
I have also contacted XXXX XXXX numerous times to get some assistance in removing the collections entirely because it is FALSE. Every time I called, the representative would " make note '' and have their supervisor or a representative from a different department call me the following business day. I NEVER received a phone call in response to my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 

Thank you for your attention to this matter.
Product: Credit card

A fraudulent inquiry using my info was made through Capital One / XXXX XXXX. 
I called them immediately on XX/XX/XXXX and was transferred to another department that was closed. I called the next business day, XX/XX/XXXX, and XXXX refused to transfer me to the fraud/security department to place an alert and discontinue any services opened fraudulently in my name.
Product: Credit card

I made my first hotel reservation through Amex ever on XXXX back in XXXX XXXX XXXX at XXXX. Definitely saw the phrase " The XXXX XXXX '' all over the XXXX reservation page. XXXX also shows up as a result on the XXXX  participants search page. 

After a while, I notice my {$200.00} hotel credit has not arrived. I go ask on chat, and Amex says XXXX is not XXXX. I say yeah it is here 's your URL. They say yes of course it is, and after some more fumbling, pay me. Done right? 

Wrong. I show up at XXXX on XXXX  and XXXX has no idea what I'm talking about. I call Amex and they say they can't find the XXXX  status but will submit a case that will take up to 6 weeks, and say usually people get their stay reimbursed ( I can submit this chat too, but I ran out of attachments ). Annoyed, but that helps. 

The next day, they call me and tell me yes I reserved with a XXXX  participant, yes it was nonrefundable, 2+ days etc., terms met, but I did not choose the XXXX  price option. I chose the " lowest fares '' option. So no refund no nothing. I have no idea what " '' lowest fares '' option '' isI had no options. I ask, do you have evidence? They say the email confirmation, and I say the email doesn't say anything about XXXX  or no, and that's post-purchase anyway, does your website have evidence that I physically turned down the XXXX option. They say their records don't include this, and ask me if I screenshotted the website during the purchase. Like what? Who does that? How about YOUR WEBSITE logs it? 

They then say that actually never mind, the problem is that during my purchase, they were renegotiating XXXX 's XXXX rate, so " lowest fares '' was all that was available, so I must have chosen it. I say I didn't. I say you fumbled my {$200.00} credit AND left XXXX as a result on the XXXX  search AND kept no records, and your credit department agreed it was XXXX, so given how badly you have handled this, your website probably messed it up. And even if it didn't, and I really did choose " lowest fares '' you're telling me you had a website that called XXXX a XXXX  participant ( we verified that it is up year-round ), and a page that said " lowest fares '' and nothing about " not XXXX '' ( we verified this together too ), and from that I was supposed to read the tea leaves that it wasn't a XXXX  purchase? 

" Lowest fares '' does not mean " not XXXX  '' in English, or mean anything about XXXX. It means " lowest fares. '' You can be XXXX  AND lowest fares. The terms do not say anything about " except if lowest fares. '' They don't say anything about " participating properties except if we're secretly renegotiating rates. '' They say " participating properties. '' I asked multiple times which of the XXXX  terms I failed. Posted their own terms in their chat. They declined to answer the question. 

They gave me XXXX that I haven't received yet, admitted it was reasonable to think XXXX was in XXXX based on these websites combined, never admitted they had violated their own terms, and said that next time I should just chat in, instead of using the website. For every purchase. Not great.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report due to the recent data breach that occurred at Experian, which potentially compromised my personal financial information. 
As a result of this breach, I believe that my credit report may contain inaccurate or fraudulent information that is not reflective of my true credit history.
Product: Checking or savings account

Dear CFPB I opened an account with citibank on XX/XX/year> with an opening deposit of {$25.00} on XX/XX/year> {$3000.00} was deposited into the account via payroll on XX/XX/year> Citibank froze the account due to fraud concerns on XX/XX/year> citibank deposited {$320.00} in interest into the account on XX/XX/year> citibank closed the account due to fraud concerns with all {$3300.00} still in the account and the money has never been returned to the account owner No letter or explanation was provided I have since spent months on the phone. They first told me the process takes 60 days after account closure ( XX/XX/XXXX ) and still afterward no check for the funds has been sent.
Product: Credit reporting or other personal consumer reports

I have sent in my FTC letters and late payment removal letters to the actual creditors and they have not responded in a timely manner and by them not responding back to me in a timely manner it's affecting my credit report because some of these accounts have been paid in full a are closed and the ones with late payments were paid off and brought up to good standing and I have asked the companies for a good will removal since the accounts were brought up to date and the accounts are paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card companies sold off my account to collection agencies which is against the law and some of these accounts are over 3 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer. 

You are required to do what I'm asking and block these transactions from being reported to my consumer report within XXXX days of the day of the receipt of this notice I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I paid this off XXXX in full, I have a email showing the same and they again tld my credit reports I have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with Toyota financial services since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX Toyota financial reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.
Product: Mortgage

Bank of America took advantage of me with this predatory loan that we paid for over 15years 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 


Bank of America, N.A. XXXX XXXX XXXX Fl XXXX XXXX FL XXXX : ( XXXX ) XXXX Account Number XXXX Date Opened XX/XX/XXXX High Credit {$0.00} Credit Limit {$0.00} Terms Duration 15Y Terms Frequency Monthly Months Revd 99 Activity Designator Creditor Classification Items As of Date Reported XX/XX/XXXX Balance Amount {$18000.00} Amount Past Due {$18000.00} Date of Last Payment XX/XX/XXXX Actual Payment Amount {$0.00} Scheduled Payment Amount {$0.00} Date of 1st Delinquency XX/XX/XXXX Date of Last Activity Date Maj. 
Del. 1st Rptd XX/XX/XXXX Charge Off Amount {$18000.00} Deferred Pay Start Date Balloon Pay Amount {$0.00} Balloon Pay Date Date Closed Status Charge Off Type of Account Mortgage Type of Loan Second Mortgage Whose Account Joint Account
Product: Vehicle loan or lease

Westlake Financial Services bought the company that I took my original car loan out with. I know and understand that my payments are late as of right now but I am making strides to get it caught up. My problem, however is that they are harassing me at work via my company telephone line and call me upwards of 15 times per day. I have asked them on the phone in the past to not call me at work, at my employer prohibits me from receiving these kind of calls during work hours. They have continued to call. They even called me today, XX/XX/18 at approximately XXXXXXXX XXXX. They have called my cell phone already fives times today and its only XXXX in the XXXX. I have explained that I am struggling financially right now and even asked if they could temporarily lower the payments for me so that I can try to catch up. They denied my request. They have also denied my request to essentially refinance the loan and extend out my term. I am trying to work with them but I can not continue to receive these calls constantly through out my day. Its harassment!