23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX my certified return receipt was stamped for the address XXXX XXXX XXXX XXXX, MO, XXXX that my documents ( XXXX, written instructions, POA, optional form XXXX, form XXXX and an endorsed remittance coupon ) were sent " attention to '' the CEO XXXX XXXX and XXXX XXXX XXXX. The documents were sent to this address because researching directly for Aspire CEO/CFO or legal department I came back with nothing. However on their website it states that the Aspire Credit Card is issued by The XXXX XXXX XXXX, XXXX XXXX, MO so I sent the documents to the head of that company and trademark. They received my documents and never applied the credits to my account as instructed. On XX/XX/XXXX I sent another correspondence certified mail, and this time i sent it to the address on my bill however as I check my tracking number they are returning my payment back to sender. Not only have my account not been credited accurately I am disputing that Aspire closed my credit card account after I spoke with someone an told them I had already sent a payment. For the simple fact that Aspire has not honored my written instructions, I am now publicly making it known of the billing error and lack of General disclosures from this company. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount. The creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ). I, the affiant, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). Fact, I, the affiant am aware, ASPIRE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. Fact, I, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 ASPIRE is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke her rights as the debtor in this consumer credit contract against ASPIRE for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I notified XXXX, Equifax and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, Equifax and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, XXXX, and Equifax has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
Product: Credit card

My capital one credit card went missing and a few unauthorized charges totaling around {$1800.00}. I followed the necessary procedures to file a fraud claim and was denied {$1100.00} of the charges stating there are " no indications of fraud. '' This has been a sham with capital one since the day I reported this and I can not get anyone to help. I 've left numerous voicemails with no return calls and a certified appeal letter that has also gone ignored.. These XXXX particular charges that they are denying are from the same merchant and state that items were shipped to my address, but yet can not provide a tracking number not a delivery service in which I can follow up with. In addition, capital one stopped short of calling my family thieves and indicated that someone in my household must of made this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company XXXX who in charge the work out world wrongly sent my name to a collection agency. After weeks of dispute, I agreed to pay the charge in exchange for this to be removed from my credit history. To my biggest disappointment, this collection account still come up on my credit report. I don't want to continue to engage in a back in forth with the agency. I just don't want to see this collection thing in my credit report as I was already paid the charge and more importantly wrongly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com consistently ( years now ) has my credit scores listed on their site as being 30-50 points lower than they actually are ( high XXXX vs actual of XXXX ). These higher scores have been verified individually, through my banks and through credit checks for renting and a mortgage. I believe that they do this to entice me to buy their services to raise my scores. This is infuriating and I'm pretty sure illegal. And I'm sure they are getting other nervous, unsuspecting people out there freaked out that their scores are low and they need help when they actually do not. This is an absolute scam using our false credit scores as marketing tools for their services.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, someone applied for a credit card in my name. After I cancelled the fraudulent application, I placed a credit lock/freeze and credit alert at all three credit bureaus : XXXX, Equifax, and XXXX. On XX/XX/2024, I was notified by a previous bank, my XXXXXXXX XXXX XXXX, and XXXX XXXX that there was another hard inquiry on my credit report due to someone applying for another credit card in my name. I did not receive any notifications from XXXX, Equifax, or XXXX. I contacted XXXX about the issue and they confirmed that my credit was frozen and they admitted to never experiencing a case where someone was able to bypass the credit lock. They were not able to tell me how the credit lock was bypassed. I later learned that there is XXXX credit union called XXXX, but that is not ever mentioned. I have now locked my credit there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I worked with an agent of this company to set up the first round of payments to cure my loans from Covid related unemployment. The agent set one payment up without the cents and the company charged A loan off for XXXX when they had an open promise to pay. Thats issue 1.

2 After I made the first and sole of the next/final payments, the company then posted the accounts as open and late and have not updated now 47 days after payment to include status, paid in full, or the month and amount of payments applied. 

3. On XX/XX/XXXX this company reported the charged off loan as a 90 day delinquency when they no longer owned the debt and it was placed in 3rd party on XXXX XXXX in violation of Consumer Protection Acts and FCRA XXXX. 

4. They breached section 16 of their own loan terms for processing charge offs and for reporting any debit related information in timely manners. Their actions on XXXX XXXX is a direct retaliation against my inquiry of the credit report, of them, and pointing out their own material breach making them liable for their own debt. 

5. This company continues to only respond with canned messages and deletes the content of messages that were requested left intact for future litigation. They are actively shredding records.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX Balance : {$9500.00}
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights. Not only violated my right also reporting two different things when they getting information from same creditor some accounts says open and close with same creditor so which is it open or close? 

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, credit repair services, or other personal consumer reports

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO XXXX5 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF XXXX. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT
Product: Mortgage

After unsuccessfully working with a previous broker. I was introduced to a broker at Sunwest Mortage who promised me he would be able to do this deal. ( I have attached the text messages showing this promise ) .After having a long conversation with the mortgage broker I asked in detail and explained my situation saying that I had a high debt-income ratio because I owned another home and I wanted to make sure if I worked with this mortgage company that this would be a viable option moving forward. The agent went into detail about how his company was different from other mortgage companies and how I was already underwritten, so this would not be an issue because he was aware of my finances. When I was working with the agent I reached out to him several times to make sure that this loan would be able to be processed before loan commitment or if we needed to back out of the deal to make sure any earnest money was not lost. The agent assured me on several occasions that he would be able to do this and this was not an issue. A few days before closing the agent refused to respond to any of my emails, calls, or texts and cut off complete communication with me. Because of this I lost out on thousands of dollars in earnest money as well as paid for inspections and appraisals. During this entire process, I was misled. I was given false information by this agent several times and because of his practices and lack of communication, I have lost out on thousands of dollars because the agent was not honest with me and promised he could deliver on things that they did not.
Product: Debt collection

Debt Collector attempting to collect debt not owed to the company. I have attempted to contact the company via phone, letter and still refuse to remove debt. This company is stating I owe {$3400.00}. This account was fraudulently opened under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Citibank/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to CBNA XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank XXXX XXXX XXXX XXXX # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
Product: Credit reporting or other personal consumer reports

I noticed a charged off auto loan on my credit profiles from XXXX XXXX XXXX so I filed a FTC report and disputed the account with all my credit bureaus Equifax claimed that my FTC report was invalid and refused to remove the fraudulent account from my report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violate 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 and regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card

I applied for the Wells Fargo credit card on XX/XX/XXXX. After the online application, Wells Fargo sent me an email saying they received my application and will contact me to tell me the application result. 

Time passed by, I waited and waited no mails or emails sent to me to let me know what happened. One day in XXXX, I received Wells Fargo 's promotion email asking me to set up digital wallet. At this time, I still didn't know what happened to my credit card application. So I called Wells Fargo and inquire about the application on XX/XX/XXXX. It turned out the address they have on the account was wrong so the card was sent to a different address. We corrected the address on the account over phone. They said they will sent me a new card at the corrected address. 

On XX/XX/XXXX, I received my credit card. I tried the XXXX code on the card to activate the card but was unsuccessful. Then on XX/XX/XXXX, I called Wells Fargo to try to activate the card. Then the customer service told me the account was closed on XX/XX/XXXX with no additional information and if I want the card I have to reapply again. I would never want to do business with Wells Fargo, and I also hope no other people would experience this. In the attachment, you can see the three email from Wells Fargo from this journey. Completely unhelpful and inadequate to inform customer about their account.

A customer applies for a credit card with Wells Fargo, with understanding that the credit score would drop with the new account & inquiry, and also would need to bare the financial responsibility if any charges was made on the card. Throughout the process, Wells Fargo was careless and inadequate when it comes to communication. When Wells Fargo sent a credit card to a customer, it does not communicate that to the customer or check in with the customer. It is particularly dangerous without over-communication, because someone could have use the card and the customer would have to bare that financial responsibility. Also, Wells Fargo blinded the customer by closing the account without communication. It's scary to think Wells Fargo never contacted the customer to let customer know a card is on its way so the customer would look out for it and report immediately if they did not receive it. It's also scary to think Wells Fargo would make a decision to close someone's account without communicating to the customer. 

Wells Fargo has lost my trust. I will not entrust any of my information or money when the company bares no responsibility on communicating with customers.
Product: Credit reporting or other personal consumer reports

My Capital One credit card account was closed and charged off XXXX of XXXX, despite being on a payment plan. By Capital One closing my account, and continuing to charge me interest, fees, my credit score dropped XXXX points. 

I want Capital One to immediately stop reporting my former credit card each month as " missed payments ''. There are no missed payments, because the account has already been closed by Capital One since they chose to write off my account in XXXX of XXXX. ( Capital One chose to close and write off the account, NOT me )... Despite closing my account and writing off the account, Capital One has continued to report " missed payments '' for the past six months on my credit scores, XXXX, XXXX, XXXX of XXXX and XXXX, XXXX and XXXX of XXXX, thus continuing to negatively impact my credit scores, despite the fact I was already dinged XXXX points. This has caused a high negative credit impact rating on my accounts. 

I have provided documentation, and reached out to Capital One, yet they continue to manipulate my credit scores and to this point, continue to get away with crushing what was a XXXX near perfect credit score. Capital One must be stopped, and I demand satisfaction and Capital One to be held liable and accountable for their continuation of credit score destruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to informed them that the XXXX and the XXXX credit reports information of creditor XXXX XXXX XXXX is wrongly showing an account opened on XX/XX/2013 with a balance of {$3400.00}. This credit report information do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against the XXXX Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Fraudulent Accounts on Credit Report Due to Identity theft Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving an issue related to identity theft and fraudulent accounts reported on my credit file. Despite multiple attempts to address the matter directly with the credit bureaus and debt collectors, the issue remains unresolved. 

Background of the Issue The following fraudulent accounts have been reported on my credit reports by collection agencies : XXXX XXXX XXXX XXXX : {$7400.00} Amount : {$180.00} Professional Mediation Amount : {$4800.00} Amount : {$340.00} These accounts are not mine, and I have no knowledge of or connection to them. I have disputed these accounts with all three major credit bureaus ( XXXX, XXXX, and XXXX ) and contacted the collection agencies directly. I have also submitted the following documentation : A XXXX XXXX  regarding identity theft An identity theft report filed with the Federal Trade Commission ( FTC ) Proof of my identity and address Despite these efforts, the fraudulent accounts remain on my credit reports, negatively impacting my credit score and causing significant distress.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : OFFICE OF THE ATTY GEN XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX