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

On XX/XX/XXXX I called Wells Fargo to ensure my CD interest rate remained above 4 % as a previous CD had automatically dropped my rate on renewal to 1.99 %. Wells recommended that I make an appointment to see a banker- which would have taken days. I called back to be sure my rate was above 4 % a few days later. 
On XX/XX/XXXX I noticed my rate had dropped to 1.99 % on a $ XXXX CD. 
I complained - I got a letter XXXX weeks later blowing me off. 
I complained AGAIN - I noticed in XXXX that the rate had gone back up to 4.41 %, but my interest payment for XXXX was still {$8.00} instead of the {$20.00} I had received in XXXX. I talked to the customer service group ( XXXX XXXX and was told they couldnt solve the problem within the 10 days allowed. They moved the solve date to XX/XX/XXXX- a day AFTER my CD matured. 
Why are banks allowed to drop rates and make it difficult BY WRITTEN POLICY to renew a CD, when you can set one up on line? Why cant you renew on line? I know XXXX  XXXX XXXX also has the same policy.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The company has acknowledged this error and has committed to updating the status to closed and open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, I wish to dispute these accounts : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Debt collection

I told them to stop calling my phone and they continue to call me everyday at all different times of the day and night. They call me from different numbers and sometimes they even call and hang up in my face.
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 : 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 XXXX XXXX Account number XXXX account XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 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. 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 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. I am writing to dispute an unauthorized inquiry on my credit report. Im requesting a copy of the original contract of the debt in question. I never signed to have permission to have personal information it states this is a violation of the FCRA 15 usc 1681 ( 1 ) which states they have to have accurate credit reporting ( 3 ) credit reporting agencies assumed a vital role in assembling and evaluating credit reporting Also as a consumer you have the right to privacy, you are violating my rights because I never gave your company permission or written consent to have my person information. Im requesting Cease and dismiss and cut off all communications. Reporting information on my credit report is a form of communication.
Product: Mortgage

Bank of America kept denying me a modification while the " no partial payment '' stipulation continued for my account XXXX, XXXX until XXXX, XXXX. I received foreclosure/short sale notifications while consistently submitting requested documentation and appeals. The amount that accumulated during the period that I was denied or kept in limbo of a decision is now a balloon amount on a modified loan approved and satisfied to date beginning XXXX, XXXX. This amount is reported as a part of my mortgage total and it keeps me from qualifying for home improvement loans. I am not allowed to separate the amount or pay on it aside from my principal. Homeowners with the same complaint have been awarded money in lawsuits that I did not qualify to partake in because I did not physically lose my home, although I was constantly threatened of the same outcome. On the last attempt for assistance, Bank of America did not render a decision for 4 months and then sold my account in the same month of the final denial, tXXXX XXXX XXXX XXXX. I was approved for the same modification that I had applied for under the same circumstances with Bank of America, the first time I applied with XXXX. My home needs normal upkeep attention and I am at a loss with the reporting and responsibility of this balloon debt that Bank of America allowed to stack with unfair application processing and decisioning.
Product: Credit card or prepaid card

I just reviewed my Comenity BJ 's My Perks MasterCard recent transactioins and was astounded to see charges posted which were reportedly made in XXXX OH. I have never been in XXXX OH, and it is very disturbing that Comenity BJ 's My Perks MasterCard 's " updated '' system continues to malfunction which such sensitive financial data as in person chip enabled transactions. Please review the attached pending transaction attachment. I did make corresponding charges using this card at a BJ 's in XXXX XXXX NY, and then at a BJ 's in XXXX, NY but I have never been in XXXX OH. Please correct these transactions forthwith to reflect accurate financial data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3200.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$400.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis by phone on XX/XX/XXXX to dispute the record of another name, address, auto policies, auto claims, license, and other incorrect information listed on my credit report. I purchased a new vehicle and was getting insurance quotes from companies with very high prices for my clean driving record. Finally XXXX started asking me about an accident that occurred on XX/XX/XXXX that I never had. They gave me a reference number and told me to contact LexisNexis. I did so and disputed all inaccurate information on XX/XX/XXXX. I was told within 30 days they would investigate and send me an updated letter to access the new report. The dispute results from XX/XX/XXXX did not remove the fraudulent person from my report! I still have this other person who lives in Georgia that I do not know and I have never been. Her disastrous driving record is not allowing me to get insurance on my new car. I need all records of this person removed from my consumer report record. I sent email to LexisNexis at XXXX on XX/XX/XXXX again disputing all fraudulent information. Until this information is removed I can not get car insurance on my new car. I can XXXX XXXX my new car until I have auto insurance. I need this resolved ASAP!
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 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 seem appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX I called Jefferson Capital System at ( XXXX ) XXXX and was screened, then transferred to someone that was trying to screen me again. I told them that I am not giving them any more identifying information of mine because this account is not mine. She said this account was creat in XXXX and went to collections in XXXX. I told her that I am with XXXX and have been with XXXX. I asked her to immediately remove this because they are trying to fraudulently collect on an account that is not mine. SHe said that she would place fraud on it and then she hung up. She did not say if or when this would be removed from my account. This is hindering me. Please make them remove this fraud item that has never belonged to me.
Product: Checking or savings account

American Express reported several time. Still thousand of fraud transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several others. 
Day by day increase frauds activity I am so much tired they not responding well to resolve my issue and deny my fraudulent activity I need to consumer fraud department to help This fraudulent transaction back 3 to 4 months history of fraud transaction
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, allegedly systemic issues such as failure to forward consumer-provider evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report. 

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation. 

Thank you for your attention to this matter. 

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

It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/20 Investigation Notice XXXX and subsequent communications TransUnion reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday, XXXX employee # XXXX confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX # XXXX, XXXX XXXX XXXX,, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please provide all documents/records by return email to XXXX.
Product: Money transfer, virtual currency, or money service

I have a Gemini Exchange Account, I sent bitcoin to. I got a confirmation from the block chain it was completed. 

I tied to sign into my gemini account and it wouldnt let me. 

I checked my enails from gemini and the had closed my account a week earlier. 

I have made attempts to reach customer support daily for 2 weeks and get no response. 

They only offer email support, I want access to my account to get my funds out of it. They are holding my funds and not allowing me access to my account, because no one has replied to my request. 

The reason they had closed my account is because tjey said i didnt keep my cryto in my gemeni account, using it for transactions. 

Ive emailed them 20 times in half of a month and i havnt got a response.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$250.00} 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 - XX/XX/XXXX XXXX XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor ( XXXX XXXX ) has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a XXXX party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. I have attached additional documents that show discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Account numbers Inconsistent Credit Limits Inconsistent Derogatory Remarks of alleged late payments
Product: Debt collection

I have went to court about this account and it was dismissed because of I did not owe the company anything they drop the case with XXXX XXXX XXXX which is the original creditor. And Experian is still refusing to delete this account from my consumer report they have gotten me and my family put out of our home because of these damages they have caused failure to read my documents correctly this is directly from my judge in court they told experian to delete this account immediately and Experian fail to do so and I know as a consumer they are supposed to report maximum accuracy on a consumer report at all times and now I am seeking to sue Experian for ignoring me and my judge in the courts statements. They need to delete this account immediately
Product: Debt collection

I have tried to research this company. I can not find them. I have insurance and should never have a XXXX bill. I have no Idea who they are trying to bill.
Product: Credit reporting or other personal consumer reports

There is an account in my XXXX Credit report that I have not opened. Elan Financial Services. I have not opened any credit since the last 5 years from the COVID-19 Pendamic. I have never associated with Elan Financial Services. I have never owned or used any credit card by that company and I am not sure why it has posted late payments when I never used the card, owned a card, and associated with the company. I have filed an identity theft report and a police report as well notifying this incident. I have also contacted my other financial institute informing them of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violation. 
Pursuant to 15 U.S. Code 1681c-2 - 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 theft 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 have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Payday loan, title loan, or personal loan

I signed a loan/contract for home repairs with a contractor that subsequently caused damages to my property and did poor quality work in some areas.

When I filed a complaint with the finance company they were provided all the necessary details, ex. contracts, pictures of the damages etc. and a complete write-up of events.

However, they have since closed the complaint without providing me the investigation results/report or any recommendations to recoup my losses from the contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.