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

We sell firearms/ammunition some of the time in support of the US military, International allies and federal agencies & outdoor equipment, vehicles, meals ready to eat, and technology products most of the time, and yet, we are considered morally dishonorable by many large banks & the payment processors working with them. Due to their biases against the 2nd amendment of the constitution or their moral outrage over instruments of freedom, they have declined to support our businesses in spite of the billions received from taxpayer bailouts. Companies like Citigroup ( our bank ), XXXX ( our former payment processor who wont process our payments like everyone else ) and many many others happily strip rights from some customers all the while enjoying the benefits of taxpayer funded government bailouts & other socialist policies. What country do we live in anymore? Isnt our governments job to ensure the freedoms of all of its citizens? Or, maybe not anymore ... what a sad thing weve become where we are not adjudicated and treated as equals, but disparate groups unworthy of fair play ... Because agendas and narratives. Pathetic. Give us liberty.
Product: Payday loan, title loan, or personal loan

Last year my XXXX  son was born and XXXX XXXX sent me a live-check in the mail [ I did not apply for a loan - somehow they knew that I desperately needed extra monies ... ] that I deposited into my bank account because of financial struggles that I was, and still am, experiencing. I thought I correctly enabled automatic payments to be issued from my bank but clearly that is not the case. Today I received notice from my employer that my wages will be garnished per a small claims judgement that was made without my knowledge or consent. To this day I have not received any notice from XXXX XXXX OR the local court of these above mentioned court proceedings. I never received any type of phone calls or letters regarding default payments, court summons, court date, etc. Given the opportunity I will gladly work with XXXX XXXX to set up for payments to be automatically drafted from my bank account and mailed to them on a monthly basis in the form of a check. I feel it is unfair to me, as a consumer, for the loan company to take this kind of action without first talking to me and making me aware that my payments have not been going through to them.
Product: Money transfer, virtual currency, or money service

I am filing against cash app ( block , inc ) due to inadequate costumer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud in 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. This acting has caused significant inconvenience and financial loss, and I seen appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I received a call from a debt collector representing Security Credit Services. The debt collector informed me that I owe them {$1800.00}. Not having any knowledge of this debt, I asked the debt collector to send me either a contract or/and accounting records that prove this debt belongs to me. Hence, I was told that said records would be sent to me and that it would be marked on my file that I have no knowledge of this debt. Thus, further collection attempts should have ceased until the debt could be verified. 

Today, on XX/XX/XXXX, I received another call from a debt collector representing Security Credit Services asking me to pay the {$1800.00} that is claimed to be owed. Keep in mind, I still haven't received any documents from this company that verify this debt belongs to me despite the previous agent telling me that the records would be provided. 

Lastly, this alleged debt is being reported on my credit report ( s ) and I disputed the debt in XXXX asking for debt VERIFICATION. That being said, I have asked this company for verification of this debt three times ( once in writing and two times over the phone ). Despite all of this, verification of the debt has not been provided and the company continues to negatively affect my credit score and contact me regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

FMS/ FINANCIAL MGT SOLUTION XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX XXXX HAS BEEN TRYING TO COLLECT ON A DEBIT I DIDNT OWE. IN 2015 DO TO A XXXX XXXX XXXX I WAS INVOLVED IN A BLOCK OR TOW ( 2 ) FROM RESIDENTS RENTAL OFFICE LET ME OUT & CLOSED LEASE. THEN YERAS LATER OUT OF NOWHERE FMS IS TRYING TO SUE AND/OR COLLECT. THEY HAVE BEEN RUNNING MY CREDIT WITH OUT MY CONSENT OR KNOWLEDGE, MADE A INQUIRY ON MY CREDIT THAT I'M TRYING TO GET REMOVED. I HAD TO PUT A FREEZE ON MY CREDIT BECAUCE OF THEM AND RECENTLY THEY FALSIFIED A PAYMENT HISTORY OR CREDIT OF XXXX XXXX  MADE TO KEEP THIS ACCOUNT CURRENT AND ON MY CREDIT.
Product: Checking or savings account

Today, XX/XX/year> I received a debit card in the mail for a Wells Fargo debit account I never opened or wanted. I called Wells Fargo using the number provided on the letter. I, between hold time and time spent talking to a person, wasted 10 minutes just to get hung up on. I called again and was transferred to a different department and spoke for another 20 minutes just to be told, " we can not take further action at this time. '' The account is fraudulent and they refuse to do anything about it. I suspect this is another instance of what they were busted for 10 years ago when they opened accounts fraudulently to boost their numbers.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several accounts that I do not recognize, which I believe may be the result of identity theft. These accounts include credit cards, auto loans, and other loans with derogatory statuses such as charge-offs and collections. Despite disputing these inaccuracies with the credit bureaus on [ date ( s ) ], no resolution has been provided. 

Below are the details of the disputed accounts : XXXX XXXX : Other loan, no past-due balance, reported as 30 days delinquent. 
XXXX  : Credit card, no past-due balance, reported as a charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$320.00}, reported as collection/charge-off. 
XXXX XXXX  XXXX : Credit card with a past-due balance of {$4000.00}, reported as charge-off. 
XXXX XXXX : Auto loan with a past-due balance of {$20000.00}, reported as charge-off. 
XXXX XXXX  : Credit card with a past-due balance of {$2000.00}, reported as charge-off. 
XXXX XXXX : Auto loan with a past-due balance of {$2700.00}, reported as charge-off. 
XXXX XXXX : Credit card with a past-due balance of {$490.00}, reported as charge-off. 
XXXX XXXX : Other loan with a past-due balance of {$1300.00}, reported as collection/charge-off. 
The total past-due balance for these accounts is {$31000.00}. I have not opened or authorized these accounts, nor am I responsible for these balances. 

I have submitted disputes to the credit bureaus ( XXXX, XXXX, and TransUnion ) but have not received a satisfactory resolution. I am requesting the companies involved to investigate these accounts thoroughly and take corrective action to remove these inaccuracies from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone : XXXX XX/XX/XXXX Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : XXXX. The reported charge-off and written off balance conflict with my payment records and account activity. 
XXXX. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account. 

Supporting Documentation I have attached the following documents to support my claim and validate my identity : XXXX. A copy of my FTC identity theft report, confirming the issues related to my credit reporting. 
XXXX. A copy of my passport, serving as proof of identity. 

Request for Immediate Action I request that Experian take the following steps without delay : XXXX. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender. 
XXXX. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account. 
XXXX. Provide me with a full written summary of your findings and updates to my credit report. 

Notice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information. 

Please confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

XX/XX/2016 I CALLED MY FINANCIAL INSTITUTION, US BANK, AND COULD NOT USE MY PIN NUMBER ON THEIR SYSTEM. I WAS CONNECTED WITH A BANK OPERATOR AND WAS INFORMED THAT MY ACCOUNT WAS BEING CLOSED. I THEN REALIZED MY CARD AND ID WERE NOT IN MY WALLET OR PURSE OR ANY POSSESSION OF MINE ( CAR, HOUSE, ETC. ). WHILE ON THE PHONE WITH THE BANK OPERATOR I INFORMED HER THAT MY CARD IS MISSING AND MY ID. SHE THEN TOLD ME I NEED TO FILE A FRAUD REPORT FOR TRANSACTIONS MADE ON XX/XX/2016. I ASKED HER WHY WAS NOT I NOTIFIED OF THESE TRANSACTIONS. I ALSO INQUIRED ABOUT MY PAYROLL DEPOSIT THAT I WAS EXPECTING THE NEXT DAY- XX/XX/2016. THE BANK OPERATOR TOLD ME THAT MY SAVINGS ACCOUNT WILL ALSO BE CLOSED BECAUSE OF THE TWO TRANSACTIONS MENTIONED. I INFORMED THE OPERATOR AND ALL OTHER US BANK PERSONNEL OF THE DAMAGES THIS WILL CAUSE TO ME BY NOT HAVING MY PAYCHECK AVAILABLE. I WAS TOLD TO MAKE A FRAUD CLAIM AND SO I DID THE SAME DAY. WHEN I SPOKE WITH THE OPERATOR IN THE FRAUD LIAISON DEPARTMENT I WAS TOLD I WOULD BE SENT PAPERS TO COMPLETE AND RETURN WITHIN 10 BUSINESS DAYS TO SALVAGE MY ACCOUNTS AND HAVE ACCESS TO MY MONEY. I WAS NEVER SENT ANY PAPERS OR FORMS FOR ME TO COMPLETE NOR SIGN NOR SEND BACK. I CALLED THE FRAUDE LIAISON CENTER AGAIN AND WAS FORWARDED TO THE FRAUD PREVENTION CENTER TO INQUIRE ABOUT MY PAYROLL DEPOSIT. I SPOKE WITH A VERY RUDE AND UNPLEASANT OPERATOR NAMED XXXX WHO ONLY ESCALATED MY SITUATION AND ENDED UP DISCONNECTING OUR CONNECTION!! I AM SHOCKED AND OUTRAGED AT THE SERVICE I AM GETTING FROM THIS BANK AND AM BEING TREATED UNFAIRLY AND BEING WITHHELD FROM MY MONEY THAT I WORKED FOR. I NEED MY MONEY AND I WANT MY MONEY REMOVED FROM THEIR INSTITUTION.
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 Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian 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: Credit reporting

THE BUREAU TRANSUNION. WILL NOT PROVIDE A REPORT THE DOCUMENTS HAVE BEEN SENT 2-3TIMES THEY REFUSE TO SEND A REPORT.THAT VERIFY IDENITY
Product: Debt collection

On XX/XX/XXXX I spoke with a representative ( male voice ) who presented the opportunity to paid my balance if I were to set up 6 monthly future payments. I would no longer have credit available at XXXX 's however after making the very specific payment amounts my account would be paid off. The schedule for payments are as follows and each payment was made through my bank account at XXXX. 
XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ Finally payment was to be XX/XX/XXXX - XXXX $ however due to my recent discovery I have now cancelled that payment to be withdrawn. 
This month I discovered that Synchrony has my account balance as {$460.00} and that it is 105 days past due and delinquent by {$180.00}. Even though each month they have pulled the payment reflecting it as if I made a phone payment. In addition Synchrony has added a {$39.00} late fee to my account each month on top of the interest rate. 
As a result my account reflects a higher balance than before I made the 6 month payment arrangement. They have not reviewed the phone call made with the representative and continue to call each day trying to collect the balance or get me " into '' another financial arrangement. I have asked to hear the recorded phone calls but was told I would need a subpoena to do so. I have sent a request for statements from XXXX until present to be sent to me as I elected to receive ebill back in XX/XX/XXXX. 
I am asking for your assistance as I feel very bullied by this company. 
Acct # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my EQUIFAX, XXXX, & XXXX XXXX reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$850.00} ; US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$360.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together My credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Vehicle loan or lease

I was financially stable at beginning of contract XXXX XXXX XXXX and other information pertaining to unlawful arrest cause me to be deliquent 322 days the financial lender gave me a loan for XXXX in all o have paid XXXX of the principal amount over XXXX XXXX dollar in service payment fees the balance is left is XXXX of interest I have defaulted on payment negotiation due to circumstances of job hrs reduction I have agree to pay XXXX but ask for a extension until XX/XX/XXXX the lender is known for fraud of customers paying on vehicle with high interest and repossession and manipulation the lender isnt willing to comply with consumer rights and have cause me economics loss lender Credit acceptance corporation
Product: Credit reporting

Equifax recently reported a negative item on my credit report for XXXX. This item was discovered on XX/XX/XXXX. It is the credit reporting agency 's responsibility to ensure Reasonable procedures. Section 602 for the Fair Credit Reporting Act clearly outlines this responsibility It is the purpose of this title 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 title. XXXX Agreed to remove any negative information from my credit reports. In turn, it appears that XXXX removed the negative information from XXXX and XXXX, however newly reported this item to Equifax. Equifax is a consumer reporting agency and in accordance with 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act credit reporting agencies have a responsibility is to report information the is 100 % Accurate 100 % Complete and 100 % Verifiable. If in fact Equifax were following these procedures, this information would have been verified with the company ; prior to placing this information on my credit report. This information was not verified ; because if it in fact was verified ; XXXX would have told them that they should not be reporting this negative tradeline. You have a responsibility as per section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] to treat Inaccurate or Unverifiable Information accordingly. I have outlined this below : Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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. Furthermore, if this item appeared on my credit report in the past ; the following steps were not taken to reinsert this item to my report. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I have attached a copy of the BBB complaint where the company agreed to remove any and all negative listings from my credit report.
Product: Credit reporting or other personal consumer reports

Its been incredibly frustrating dealing with the effects of these incorrect accounts on my credit report. My score has been unfairly damaged, and Ive had enough of missing out because of something I didnt do.
Product: Debt collection

I just received a bill in the mail from a collection agency for an apartment complex that I never lived at. I started an application at this apartment community ( and paid that fee ) but did not finish the application because I felt their process was too nosey. I never lived here and I received a bill for {$380.00}. I informed the manager when this happened but I was sent to collections. I have copies of the email correspondence and the bill received from the collection agency just now.