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

In accordance with the Fair Credit Reporting act XXXX  Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 


I understand that undeXXXX 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Product: Credit card or prepaid card

US Bank Reliacard Account was put on hold XX/XX/XXXX. They asked for government ID because of large scale fraud in the state of PA. Government ID faxed XX/XX/XXXX. I was told it would take 5 business days to free account of hold. On the 6th day of the hold I was told it may take 10-15 days. I am on unemployment for the 1st time in my life. Our credit is being hurt and we have had to liquidate most of our IRA. I am only XXXX years old. I call US Bank every business day. They can not help me with any answers.
Product: Credit card or prepaid card

My ex husband and I needed to split our joint XXXX XXXX credit card debt as per our divorce agreement. In XX/XX/2019, I opened a Chase Freedom credit card. In my application, I indicated that I will want to transfer a balance and entered in my XXXX XXXX credit card information and the transfer amount. I got my Chase Freedom card and created an account. I noticed there was no balance transfer, so I did it myself through the account I had just created. On XX/XX/2019, {$2400.00} was transferred from my XXXX XXXX credit card to my Chase credit card. Then on XX/XX/2019, {$2400.00} was transferred from my XXXX XXXX card to my Chase card. Realizing that this was a duplicate transfer and error on my part and that I had now consumed all the debt from my credit card with my ex husband, I contacted both XXXX XXXX and Chase to request that the transaction of {$2400.00} be reversed. I was told that this was not possible and received a letter in the mail from Chase in XX/XX/2019 indicating that they could not accommodate my request to undo the transfer. I then resolved the matter between my ex husband and myself. He opened his own XXXX XXXX account and transferred he share of our debt ( {$2500.00} ) from my Chase credit card to his XXXX XXXX card ( transaction on XX/XX/2019 ). Then on XX/XX/2019, I noticed a {$2400.00} " Payment Adjustment '' on my XXXX XXXX card. I called XXXX XXXX and they told me it came from Chase. I called Chase and they told me that I had requested this. I said yes, two months ago and you informed me in writing in XX/XX/2019 that you could not reverse the transaction. They escalated and looked into the matter. On XX/XX/2019, XXXX from Chase left me a voicemail indicating that they realize the error on their part and that they are going to adjust by recalling the funds back to my Chase card and credit it back from XXXX XXXX. As of today, XX/XX/2019, the {$2400.00} debt is still appearing on my XXXX XXXX card AS WELL AS still appearing as debt on my Chase Freedom card. I have been charged {$95.00} in interest for this month from XXXX XXXX due to this problem created by Chase. I have spent hours now trying to get this resolved. Every person at Chase I speak to asks me to repeat this story to them and then they have to look into my account which consumes more time. Today after seeing that I now have {$95.00} interest charged from XXXX XXXX and that the debt of {$2400.00} is still on both cards, I contacted Chase again. I spoke with XXXX ( she was very helpful and understanding ). After again explaining what happened and waiting for my account to be reviewed, I was told that the request to cancel was dated XX/XX/2019 and could take 5-7 days to process, but might take up to 30 in which case I will be charged interest on this debt again by XXXX XXXX. She did issue me a refund of {$73.00} for the XX/XX/2019 transaction fee to, but said that is all she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXXXXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXX XXXX XXXX XXXX  Act # XXXX XXXX XXXX XXXX # XXXX XXXX  act # XXXX XXXX XXXX ACT # 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: Debt collection

1. Suffered Financial Hardship. Instead of filing BK, I negotiated with Capital One to repay outstanding credit card debt.

2. Entered into an agreement on XX/XX/XXXX at a set balance and repayment amount to make monthly payments. This account was not accessible to me online, it was by billing through regular mail only. 
3. Capital One accepted monthly payments and on XX/XX/XXXX, they changed account supervisors and reset the amount owed to a higher, incorrect amount. I continued to make payments even though they changed the agreement. I was unable to get anyone to communicate why the change in amounts owed. I made 67 consecutive payments. 
4. In XXXX of XXXX, I stopped receiving statements and I had no idea what my payment or balance owed was at any time after the statements stopped. The account could not be accessed via phone or online. I called my account supervisor XXXX XXXX several times with no return call. I continued to blindly make the {$100.00} per month payment with an old payment coupon.I never received any communication past this point from Capital One. 
4. XX/XX/XXXX I made what would end up being my last payment. I called Capital One in XXXX, because I was no longer receiving billing or statements with the outstanding account balance ( which was incorrect from the unexplained reset anyway ). The person I spoke to said they never received a XXXX payment and the account was permanently closed. I explained to her that I had confirmation that they had received the payment. I did have a credit report pulled and it showed the payment being made, but no change to the balance owed, and again the balance owed was not accurate. The credit report indicated the account was settled.

5. I received no further communication or return calls from Capital One after they told me the account was permanently closed.

6. XX/XX/XXXX I received a collection notice demanding an amount higher than what I owed to Capital One from a collection agency. They have threatened to sue me, and ruin my credit. They insulted me about having an outstanding debt. I tried to negotiate and they refused. 
7. I called Capital One to find out why they sent the account to collection instead of communicating with me directly and continuing to accept my payments. I upheld my agreement for 67 consecutive months, and I would continue to meet my obligation until the debt was paid in full, however they made that impossible when they stopped communicating with me, changed the terms of the agreement without notice, and stopped sending statements without notice or cause.
Product: Debt collection

In or around XX/2015 my personal details was used to obtain service with this company. 
I, XXXX. XXXX XXXX has given no-one the authority to open this account and was unaware of its opening until it was found to be reporting on credit report. I would like to have the recorded application forwarded to me so that it can be validated as well as all signed documents and ID used to verify the applicant which led to the opening of this account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date XXXX inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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: Student loan

Yesterday XX/XX/XXXX I saw that two payments totaling {$6800.00} were removed from my bank account by Aidvantage. 

I called yesterday XX/XX/XXXX and spoke with someone at Aidvantage. We confirmed the statement from XX/XX/XXXX for payment coming out on XX/XX/XXXX would be for two payments totaling {$1000.00}. The person I spoke with said they would offer me a refund and she needed to email her supervisor. I asked to be CC 'd on the email. As far as I can see on my end no email was sent. She asked if I wanted to go off auto pay, as if that would fix the issue. If you receive a bill for one amount how does that amount multiply by 6 without notification? 

I sent an email to loan servicer the evening of XX/XX/XXXX stating this same statement above. No response this morning. 

I called again this morning XX/XX/XXXX and spoke someone and relayed the story again. She said they can not do refunds or wire transfers and that I would now need to contact my bank to dispute the charges. This woman also alerted that we can never talk to the same person again when I asked her name. SO each time we call we talk to someone different and need to relay the same story again and get a different answer. 

When I spoke with my bank to dispute the charges, my bank notified me that it could take 10 plus days to receive this money back. I Why are there numerous stories and ways to handle things. This loan company stole almost {$6000.00} dollars from my bank account and I now need to fight to get it back. 

This degree of error could be detrimental to someone causing overdraft fees, late bills such as mortgage payments while they wait for funds to be returned. Its inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance Owed : {$210.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

The collection account XXXX XXXX XXXX is not mine. This account does not to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Product: Checking or savings account

On XX/XX/2014, my debt card was charged {$400.00} for an ATM transaction which was unauthorized. The {$400.00} were made in two transaction of XXXX dollars each. The ATM wasn't from my bank so I also got another {$6.00} for non-chase ATM fee. I disputed the charges and told Chase that my card was stolen and that these are unauthorized transactions. They temporary refunded me but now have rejected my claim and reversed the refund. I called them and they said I have to proof and when I asked how can I prove, they responded that there is actually nothing that I can provide and that I have to figure it out on my own. I asked if there was any chance I could get my money back since I am a XXXX XXXX and {$400.00} is a huge amount for me and they responded that no there isn't and I have to find some proof. They also said that the details will be physical mailed in a week, and when I requested to get them online so I can resolve it sooner, they said they can't do it online. Which sounds to me as an effort to prolong and make this matter harder for me to resolve.
Product: Mortgage

XXXX XXXX sent notices of pending foreclosure to an unknown address that has since been discovered. 
Caliber home Loan and XXXX XXXX sent legal notices to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. When my then legal address was my home that was illegally foreclosed upon XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
WE have found all your Special delivery mailing to the above address my searching the neighborhood for past 2 years. 
I was not legal notified therefore, no amount of time can be claimed to negate this illegal and wrongful foreclosure. 
XXXX XXXX made a loan with XXXX on XXXX and my name was on a registered and recorded Quit Claim Deed XX/XX/XXXX. 
So Caliber you need to work with XXXX and return my home back to me as it still sits empty since XX/XX/XXXX. If you thouht you had clear Title, the home would have been sold. But since I AM LEGALLY IN TITLE THe home Can't be sold.. Want to negotiate?
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account XXXX XXXXXXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this closed Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i XXXX XXXX ) ( A ) ( i ) & ( ii ), and 15 USC 1681e XXXX b ). 

Correction to my credit report, I demand this closed account to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a purchase through PayPal from XXXX on XXXX for a sports card for {$60.00} and on XX/XX/year> for another sports card for {$20.00} which were to be shipped out on XX/XX/year>. On this day the seller blocked me from all communication and access to their sales. I reached out to PayPal to solve the dispute and they sided with the seller who blocked me and took my money from me without sending the paid for merchandise without giving much reason besides saying " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. ". My case number on PayPal is XXXX XXXX I was requesting the {$80.00} to be refunded by PayPal.
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 the Customer 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 deseptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Checking or savings account

Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from Citibank and transferred to XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018 respectively. On XX/XX/2018, XXXX XXXX XXXX   returned the funds to the originator. However, the funds were returned to the checking account at Citibank which was closed on XX/XX/2018. 
Per XXXX XXXX XXXX, the trace information for the return transactions are listed below : ( {$370.00} Return Trace : XXXX ) & ( {$20.00} Return Trace : XXXX ). 
Moreover, XXXX XXXX XXXX is unable to take any additional action to reclaim the funds on my behalf.
Product: Credit reporting or other personal consumer reports

Company stated that there system deleted my guest approved auto loan application that was approved by Capital One. On the day that I went to pick up my vehicle and sign my contract. I was told that XXXXXXXX XXXX  auto loan system had somehow auto deleted my loan so they ran my credit multiple times without my consent. I contacted the loan company and had their manager write me an email acknowledging this situation. The credit reporting agency also acknowledged this mistake. I need those 3 hard credo pulls within 24 hours deleted from my report.