23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account has violated my rights. 

1 XXXX Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3  : XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXX 5 : XXXX XXXX  XXXX : XXXX 6 : XXXX XXXX XXXXXXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : XXXX XXXX XXXX XXXXI : XXXX 12 : XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions
Product: Checking or savings account

I opened PNC bank virtual wallet account based on account opening bonus offer sent to me at my home address. I meet all terms and condition listed in offer document but did not received bonus amount. 
I contacted PNC twice to resolve issue. PNC responded to my complaint on XX/XX/2022 stating that my bonus is declined as it was for existing customer, but it is not stated in offer sent to me ( offer letter attached ). I want my bonus {$400.00} account opening bonus.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Consumer Loan

I paid off the loan in XXXX 2016, loan was report on my credit bureaus as closed with a balance. I contacted the company directly and was told that is how they report the loans.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text from phone XXXX XXXXXXXX, which appearedto be Citibank asking if I had used a card for {$1200.00} XXXX the XXXX XXXX & to reply yes or no. I replied no. I was thanked for confirming this activity & that customer rep would be contacting me soon. Shortly after, I did get a call from what appeared to be a citibank rep from XXXX ( this is the XXXX that is on the back of my citibank debit card ) offering to help secure my bank account to prevent any scams. Subsequently, I was directed to XXXX XXXX XXXX where I was manipulated & scammed into making a domestic wire transfer of {$17000.00} USC to perpetrater account number XXXX with wire number XXXX. I was told that money was placed in XXXX XXXX XXXXXXXX. This was done without my consent, knowledge & was not authorized. I did go to local Citibank branch XX/XX/XXXX & filed a report, spoke to fraud personnell via telephone. On the same day I went to XXXX police precinct & filed a report.As far as I know neither Citibank or XXXX XXXX XXXXXXXX questioned this transaction. I have banked with Citibank for years & never dealt with any huge transactions. I did contact executive team at Citibank, they claimed to done an investigation, but my claim was denied 3 times. I was advised to file a complaint with FTC & FBI internet fraud complaint center, which was done XX/XX/XXXX, Complaint was sent to XXXX XXXX XXXX XXXX XXXX XXXX. They could only act as mediator. 
I have heard from a few people that Citibank is known for denying claims. It is very hard to find an attorney. most dont want to deal with Citibank XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I received letters from XXXX, confirming that my student loans had been successfully paid off and closed. Shortly after, I checked my credit report, and it reflected that the loans had been marked as " closed, '' indicating that I had fulfilled my financial obligations. I believed the matter was resolved, and my credit report was clear of any student loan debts. 

Fast forward to today, XX/XX/XXXX, when I attended what I thought would be the final meeting of applying for a home loan through a homeowner program. To my surprise, I learned that my loans had been transferred to XXXX. I had no prior knowledge of this transfer and had not received any notice or communication regarding it. This lack of transparency raised concerns, and I attempted to resolve the issue by disputing the matter with XXXX and XXXX. 

The first dispute occurred on XX/XX/XXXX, when I started the homebuying process, followed by another attempt on XX/XX/XXXX. In both cases, I received no resolution. The latest dispute also went unresolved because there was no response within the appropriate timeframe, leaving me frustrated and uncertain about how to proceed. 

Seeking answers, I called XXXX directly, only to be told that my case was no longer under their control, and I was instructed to contact XXXX. I reached out to XXXX and spoke with a customer representative who showed little effort in finding a solution to my problem. I requested to speak to a supervisor, but my request was denied. The representative repeatedly asked if I wanted to make a payment on the account, which was not relevant to the situation at hand. After an hour of waiting, I was finally transferred to XXXX, employee number XXXX, who confirmed that there was a record of my dispute but it had not been submitted to the research department for further investigation. XXXX assured me that she would forward the documentation to the appropriate department. 

However, when I asked to speak with someone above her position to expedite the resolution, XXXX responded with a dismissive why and refused to transfer me to a higher authority. At that point, I had no other recourse and was left without a clear solution, which continued to hinder my ability to proceed with my home loan application. 

As if the situation couldnt get worse, I later discovered that XXXX had reported my account as being 120 days late on my credit report. This was for an account that I had no knowledge of, especially considering it was previously documented as paid in full. This new information led to my denial for home loan approval. 

The missed payments reported by XXXX between XX/XX/XXXX, the date they claim my account was transferred, and the present day have caused irreparable damage to my credit and have now prevented me from continuing my homeownership journey. The lack of communication, unhelpful responses from XXXX representatives, and the mishandling of my disputes have left me in a frustrating and vulnerable position, jeopardizing my ability to achieve the goal of owning a home
Product: Credit card

I had a account with Chime bank. My purse was stolen this past XXXX. I called Chime to cancel the card. They were going to issues a new card. I asked them to wait because I was in the process of moving. ( I did give them all the information they requested. I also sent copies of my change of address, pictures of my mail with the new address and my I D. Which they requested as proof. As this was all on going ) Next thing I know they sent another email stating fraudulent activity multiple accounts? I only had one account. My Social Security check went to chime XXXX. It got into a heated argument because they were supposed to expedite my check but it's been 3 months of lies and numerous phone calls and over XXXX emails. I still haven't received my check. They have had me jump through hoops. I gave them all the information they requested and I still haven't got my money back. I tried to find a number for the XXXX XXXX XXXX every phone number is the same and it only puts you in contact with the representatives. I have been arguing with them since XX/XX/2023. Every email I get is a roller coaster ride and lies. 
Please help I'm at my wits end with this company.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$14000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) as proof from the US 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telephone : XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The wrong amount is being reported XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The wrong amount is being reported XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
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. Futhermore, theyre 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 finical loss, and I seek appropriate redress for these violations.
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  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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid bossamccording to these U.S. In addition my balance and last payments are not reported correctly.
Product: Credit card or prepaid card

This pertains to a Discover credit card which I have had since XX/XX/XXXX. Today, XX/XX/XXXX at about XXXX XXXX   eastern time, I tried to my add discover credit card to a recurring bill on auto-pay to maintain activity on the card. I had previously used my cad regularly but this year I wanted to curtail credit card usage so I maintained a single card with a larger limit. When I tried to use my discover card today, it came back as an attempted fraud. I immediately called the toll free number on the card and was told that the credit card had been closed permanently. I spoke to a supervisor, explaining my mother 's illness and passing had absorbed my attention. Also the bank of mailboxes at my apartment had been vandalized and was being replaced around the timeline they sent me a letter. They said they had sent me a letter in the first week in XX/XX/XXXX. I didn't receive it and only just learned about it during our conversation. The supervisor explained that they could not reactivate my card as it was permanently closed. I saw congressional hearings regarding XXXX XXXX that was able to open accounts without customers knowing. I have watched Rep XXXX XXXX take big companies to task for not protecting their customers. I feel Discover is not protecting their customers if it takes only one missed letter to give them the legal cover to close my account that has real consequences for me. I participated in the application, the activation, the use, the payment of balances incurred. Why then can the company close my account without my participation. This affects my credit score in terms of the length of time averaged and my debt ratio. 
I started with a limit of {$500.00} and used it regularly to built up my credit limit. I feel that discover should not benefit from doing the bare minimum, not even sending me a second letter, an email, text or call. Also, their first contact was in XXXX and they did very little to maintain my business. I understand that a {$2000.00} may be nothing to their algorithm driven business model but this is certainly is a fissure in their business model that translates to a disregard for the average customer who is trying to build a credit history that will reduce the cost of borrowing money for them.
Product: Student loan

I am a cosignor for my daughters loan. I cosigned back in XXXX for two loans with American Education Services. I was told that if she paid the loans back for 2 years with loan late payments I could be taken off the loans. I call back in XXXX to get my name removed and they gave me the run around and I was told some paperwork would be sent to me. Then I call back in XX/XX/XXXX to ask to be removed off the loans and I was told that I could not be removed under any circumstances. I then asked for a copy of the note I signed and they sent me some bogus note and a copy of the faxed signature page. I am requesting to remove off the loans. I would have never agreed to cosign if there was no process of me being removed other than paying them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contracters, credits, bill collectors credit cards, XXXX, XXXX XXXX, XXXX XXXX, XXXX, collecto/business accounts all kind of things and if owe I want part for pain and suffering for me lost income and kissing my place for months at hand and losing jobs
Product: Money transfer, virtual currency, or money service

Money received into cash app tried to transfer into my debit card but cash app says my card no longer works? Bank says acct and card are fine. Cash app says to get the money I have to enter my bank acct info no longer use my debit card then another agent says being rejected by my bank due to incorrect ZIP code bank says they have correct zipcode. I'm getting a run around but not the cash that's in the acct. It is repayment from my XXXX
Product: Debt collection

They continue to call about a {$790.00} bill that I 'm unaware of. In XXXX I was still a kid, how could I have an open cell phone account?
Product: Debt collection

I checked my credit report ( XXXX ) and saw an account by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to XXXX, their parent company XXXX XXXX XXXX XXXX, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

XXXX XXXX, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit XXXX and related documents ) The packet ( attached ) was sent to XXXX XXXX and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed.

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

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

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting

I have a paid XXXX account reporting on all XXXX of the credit report agencies.  The original creditor has requested that this account be remove from my credit profile on the XXXX credit reports but XXXX refuses to do so.  They also never updated my account as paid with XXXX.  This is a very shady company as I am sure you get several complaints about them.  I would like the account removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I wrote a letter to NC Financial about information on my XX/XX/XXXX credit report that is inaccurate. I told them that I have never had an account with them and the debt is wrong. I also asked them for proof that the said account was mine showing some type of contractual obligation that I have with them. I received nothing from the company nor was there an acknowledgement of the dispute on my credit report in 30 days. This is a clear violation of the Fair Debt Collection Practices Act Section 807-8 and a violation of the Fair Credit Reporting Act Section 623-a-3. I just wanted the item removed from credit report immediately.
Product: Debt collection

XX/XX/2021 Sent in a letter for validation to FBCS and the Information was never validated. Date of last activity and the date of last payment is wrong and is reporting differently on all 3 credit bureau. I have tried to dispute mistakes and the credit reporting agency is not correcting them.
Product: Credit reporting or other personal consumer reports

As you can see by the attached screen shots, on my ChexSystems report THEY HAVE 2 SOCIAL SECURITY # s LISTED! HOW IS THAT POSSIBLE?!?, you will also see that XXXX  wich XXXX  is a co owner of found the XXXX  information on my report to be false & deleted it, yet it remains on ChexSystems, WHY?!? On top of that XXXX XXXX XXXX XXXX company allowed me to open an investment account of XXXX of last year, Ive never committed fraud & it seems ChexSystems is the only company listing that I have which is preventing me from opening a new checking account & causing me great stress, this is the XXXX complaint Ive lodged about this & still ChexSystems XXXX XXXX XXXX XXXX of federal law, the FCRA & tramples on my rights, because my report should be cleared for the reasons I listed above stand alone, but then consider the fact I requested my report on XXXX as you can see by the time stamped fax & didnt receive it until XXXX 3 MONTHS LATER! the FCRA is crystal clear, they had 30 days to get me my report & as you see I requested it at least as early as XXXX & then you can see via their own dated response, they didnt even mail out my report til XX/XX/XXXX XXXX past their allotted 30 days & the FCRA is very clear that all negative marks need to be deleted from my report because of this, Im done playing games, if this is not fixed this week, I am suing ChexSystems & Im going to start contacting who I need to contact to put the spotlight on the CFPB because the fact they are allowed to continue to trample on my rights with out the CFPB a department funded via my tax dollars to protect me against these kind of shady financial institutions doing anything about it, Ill start writing to the XXXX XXXX XXXX Ill go on the news Ive HAD IT!! 

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

In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX Account Number XXXX violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it states that the consumer reporting agency can not furnish an account without my written instruction
Product: Checking or savings account

I had a checking account with wells Fargo with approximately 4800.00 in it. All of this vanished without any notices whatsoever. What's worse is they claim to have no record of my account or anything about me. All my files relating to the account we're tragically burned in an unfortunate fire. So you see my predicament.