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

I have been diligently working on my credit since XXXX of 2019. I have been in a hardship since the COVID -19 and have contacted all 3 bureaus in reference to the erroneous and inaccurate information on the accounts that were damaging my credit. I was also enrolled with XXXX XXXX and they have charged me {$130.00} for the past 3 years and my credit score just kept going down hill. I have spoken to XXXX over at Equifax customer Service dispute team in reference to the erroneous information and derogatory information that was reported. I am in a very distressed period of my life during this new season of the COVID-19. My business has dropped and my bills are piling up but I have been paying and trying to keep my credibility in good standards. The 3 bureaus have been a thorn in my foot since they are charging for credit reports and they are violating all of my rights as a consumer. I would like an investigation on my credit reports. Equifax, XXXX  and XXXX. I am very stressed in reference to my reports. I take my credit very serious.
Product: Checking or savings account

I was trying open account with Chase bank. They stated that I already have account with them. I never had account with Chase Bank. No even a credit card. They state that the account was open in XX/XX/2019 and still open present with negative balances. I had police report filed. I believe my ex spouse may have open a Chase account in my name using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were used to make inquiries to my account that I have not personally applied for remove these Immediately Transunion : XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XX/XX/XXXX. XXXX XXXX XXXX bank XXXX XXXX XXXX financial XXXX, XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX credit / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I filed a dispute with Experian concerning a collections account from XXXX XXXX XXXX ACCT XXXX. The company did not look into the collection and update as necessary. I have informed them during the dispute that I have received a letter from XXXX XXXX XXXX, on behalf of XXXX XXXX. I have provided them with a letter indicating the new collection agency. Experian has not done an investigation into the account, as I have received the results Tuesday morning, which shows that the problem has not been fixed.
Product: Bank account or service

I bank with Wells Fargo Bank in XXXX Az. Using my Wells Fargo debit card at XXXX XXXX in XXXX to get close to todays current market rate, I found Wells Fargo has frozen their ATM card exchange rate to XXXX ... my XXXX last transactions, increasing my cost of doing business by an additional {$21.00} plus per transaction plus their internation fee of {$5.00} dollars U.S. And XXXX 's ATM charge of {$1.00} or less. 
My last XXXX transaction showed a market rate at {$19.00} last Thursday XXXX/XXXX/2016 after XXXX so I exchanged dollars for {$8500.00} XXXX at a cost to my account of {$470.00} and change, then Saturday evening XXXX/XXXX/2016 I withdrew {$8500.00} XXXX for {$470.00} US dollars and change rate was XXXX then today XXXX/XXXX/2016 I again withdrew {$8500.00} XXXX and got the same rate as Saturday! After calling Wells Fargo, they said it was XXXX 's problem, not theirs, until I said you are my Bank and your name is on my XXXX Debit Card. I was helped by Wells Fargo rep who then called XXXX to find out they were keeping the rate well under market at a cost to their consumers, ME. I did file a complaint with Wells Fargo but after finding how they were evasive and tried to place blame elsewhere I am now turning to You. 
My phone Number is XXXX cell and my XXXX XXXX number is XXXX! 
I know now Wells Fargo is manipulating the currency market to their clients using Debit Cards at the very least. I have an account with Wells Fargo an my account should reflect dates and time of all XXXX transactions. This is a first that I know of and I do n't like it! 
Sincerley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX! I am current at our home in XXXX XXXX XXXX and the ATM was from Santander bank across from XXXX XXXX XXXX XXXX! XXXX! 
XXXXXXXXXXXX is my email!
Product: Checking or savings account

I am on my third account after being with Bank of America for 20 years. Itll be 21 years soon and I am going to include how many refunds in which I have had to call the bank and let them know that a charge was fraudulent. There have been a few where the merchant kind of fought it and they didnt reverse it despite it being 100 % fraudulent, but its difficult because he is cloning my device so it looks like its coming from my device unless you look close and the bank is able to separate the legitimate charges and the fraudulent charges so there must be something where they can tell by the device, but my main complaint is I still have not heard anything about an investigation that was supposed to happen over a year ago. I believe it was around XXXX or so in XXXX possibly early XXXX when the bank tried to call me and then called my mother, which is the second number listed on the account for reasons like this who called me and said the bank needed to talk to me. I called them right away and they told me that somebody had just called pretending to be me and they were opening up an investigation and I have inquired and asked about it many times since yet I never get anywhere and I truly need this evidence because it is crucial to the investigation and the case as well as my life. He has done the same thing with XXXX calls which I have retrieved and requested and Im waiting 10 days to get them as well as to the office where I live, but the old owners knew better because when I moved in, I was honest and told them what was going on and that I had this problem going on and they never charge me for all of the door lock changes I had to make And some attempts by him to make complaints about a camera. I had that nobody could see so it was obviously him and they knew that, but they did tell me I had to take it down however, now there are a new owners since XXXX and after making a fake XXXX call where it was just me here and my fianc who the person who called said I was fighting with and so bad it was violent. I guess that is what they said lying And she had been admitted to a hospital two days prior for personal problems of her. He was probably wondering where she was since he tracks everything we do and didnt see a sign of her for a couple days and figured he would cause some trouble for me and have the cops show up however she wasnt even here And that was the beginning of one of the detectors understanding that this is what he does often. It would go a long way for the investigation just to obtain this information for the investigation and my personal life since he has made so many calls that the office is trying to evict me on false premises.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   XXXX  or Experian can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Product: Credit reporting 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

A few months ago, I got a copy of my Lexus Nexus report and in it it showed that I had been XXXX  in XXXX  of a XXXX  violation even though I won in court and was found not guilty. I sent in the proof to LEXIS-NEXIS and received a letter dated XX/XX/XXXX stating that they had deleted the information and gave me a login to look at my current report. I logged in and it is still in there as a XXXX! This is probably why my insurance rates were raised and Im very frustrated! They also have incorrect address information that I disputed and never heard anything back!
Product: Checking or savings account

They are saying that Pnc isnt allowing them to verify my acct
Product: Credit card or prepaid card

My husband and I get a lot of 0 % interest for 15-18 months Balance Transfers from banks all the time. And we like to use them, we agree to the 3 % transfer charge. So we did this with Bank of America about 2 years ago. They had made it a Cash Advance/check instead, basically charging us loan-shark interest monthly and taking out 2 payments a month! We didn't notice until we did another loan transfer to another bank for the Bank of America 's balance. Then one week later, XX/XX/22 there was a new cash advance on our account charging interest and taking out 2 payments a month. 4 payments within a 30 day period XXXX, XXXX, XXXX, XXXX. XX/XX/22 - XX/XX/22 {$670.00} When I called them, they had me on the phone for 2 hours transferring me back and forth from to fraud department to customer service and back again. I asked the representative what are we paying on, we transferred the whole loan/balance? The last person from the fraud department went to transfer me back and the phone went dead. The first guy I talked to XXXX from Tennessee, said to me, " It looks like you have cash advances '' I panicked because this isn't us. My husband and I don't spend like that. We have thousands in the bank. Why wouldn't we just use our free money? We originally used a credit card for educational purposes. * On the statement it also says interest on purchases, we have NEVER used any balance transfers for anything but the initial transfer. 
And balance transferred this to Bank of America 2 years ago. I went to a physical location there were no people, it was a virtual meeting with a representative on a screen that never connected, I tried all of the monitors, nothing.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Information/Late Payments And Bankruptcy and Reimbursement For Damages Under 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) I hope this message finds you well. I am writing to formally request the removal of all late transactions and any bankruptcies ( its been over 10 years for bankruptcy ) as they are in violation of the Fair Credit Reporting Act, specifically 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) As stipulated by the law, transaction are not supposed to be on your credit report. 

Additionally, I would like to request reimbursement for any damages incurred as a result of this error. It is important to me that my credit report accurately reflects my financial history, and I believe that this mistake has caused undue harm. 

Please confirm receipt of this request and provide an update on the status of my credit report and the reimbursement process. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXXr verification that you utilize is faulty ...
Product: Checking or savings account

I'm making this complaint about M & T Bank without contacting the bank because it feels like they are doing something that is illegal. I opened a bank and savings account with M & T Bank about 3 weeks ago. M & T Bank locked me out of my online account twice, once when I tried to initially log onto my new account, and a second time when I tried to set up a new payee in online bill pay. Both times M & T placed what they called " fraud alerts '' on my account. Because M & T 's online banking system didn't work well, I decided to open a different bank account. I will eventually close my M & T account.

Today I tried to open a new account at a different bank ( XXXX  ). However, I was denied an account. The banker thinks it's most likely because of the fraud alerts M & T has put on my name. The banker said all banks would have received this derogatory " fraud alert '' information about me. Is it legal for a bank to put a " fraud alert '' on me or my credit report without my knowledge or permission? Neither time was fraud. The first time M & T put a fraud alert on me was because I didn't log into my new account fast enough. I had a temporary password, and the password expired before I logged in. That was my mistake, but does M & T have the right to issue a " fraud alert '' on my credit report? The second time they made a fraud alert was when I tried to set up a new payee for my online bill pay. I don't know why, but M & T put a fraud alert on my credit report just because I tried to add a new payee to bill pay. This seems crazy! Now I'm not able to open a new bank account anywhere because M & T put fraudulent " fraud alerts '' on my credit report. I feel like M & T is committing fraud. They're also ruining my credit when all I tried to do was log into my online banking and pay bills. Both times M & T issued a fraud alert, I called them and cleared it up and got access to my account. But now my credit is ruined. I hope you can help with this.
Product: Debt collection

Back in 2017 I had my identity stolen and they charged a XXXX account using my information. From the account, XXXX sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called Jefferson Capital, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violates CFPA. Cash app failed to make timely measures to prevent and address fraud on their platform, leaving my account for someone to hack me. Their dispute resolution was unfair. They did not comply to resolute the error requirements under EFTA. These actions resulted in financial loss and I seek the appropriate redress for these violations that have not been solved.
Product: Debt collection

XXXX XXXX states I owe XXXX. When I discontinued my service I paid the outstanding bill and returned all equipment. XXXX has placed this alleged debt in collections. I disputed the debt with the collection agency. I also talked personally with a representative form XXXX XXXX and I was told I have a XXXX  balance. I think that XXXX  is trying to take advantage of me because I am a elderly person. I know what the representative told me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX has violated 15 USC 1681 SECTION 802 A. STATES THAT I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A. SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT PERMISSION AND OR WRITTEN INSTRUCTIONS
Product: Debt collection

I have been monitoring my credit scores for XXXX  years. And my score dropped by XXXX points. Because XXXX c systems reported a media com Bill And did not send a notice to dispute or XXXX day to validate to an address Of which I have lived at XXXX  years. 
This is a violation of my consumer rights and I demand its immediate removal.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I used Xoom by XXXX to send {$20000.00} plus {$74.00} in fees to XXXX. 
The money was taken from my account immediately and despite that I still had to send various documents such as W-2 form, bank statements, etc. and still after almost 2 weeks, the recipient in XXXX has not had access to the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a responsible individual, I understand the importance of maintaining a good credit score to secure financial stability and future opportunities. However, life can sometimes throw unexpected challenges that take a toll on one 's financial situation, resulting in missed payments and increased debts. Due to unforeseen circumstances, I have recently gone through a hard time that has impacted my credit score negatively. I fully recognize the gravity of this situation and am actively seeking ways to rectify it. I understand the significance of having a clean credit report and the effect it has on my overall financial health. Therefore, I am making every effort to clear my debts and make timely payments to improve my credit score. I am writing to you regarding the matter of the debt assigned to me by XXXX XXXX XXXX on XX/XX/XXXX, originally amounting to {$890.00}, also assigned XXXX XXXX, XXXX originally amounting {$590.00}. I am also writing reguarding XXXX XXXX XXXX XXXX assigned XX/XX/XXXX original amount owed {$840.00}, also date assigned XXXX, XXXX XXXX original amount owed {$260.00}. While I understand the need for medical providers to collect and maintain patient information for purposes of treatment and billing, I want to bring to your attention a growing concern that has become prevalent in recent times. This pertains to the unauthorized sale of personal data by companies without the knowledge or consent of the individuals concerned. As a consumer, and a patient of XXXX XXXX XXXX, I have the right to expect that my personal information is protected at all times and not misused for profit-making purposes. In fact, the Health Insurance Portability and Accountability Act ( HIPAA ) of XXXX  was enacted specifically to safeguard the privacy of personal health information. I am disappointed to learn that my data may have been sold without my consent, and if that is the case, I urge XXXX XXXX XXXX to review its policies and practices to ensure that they are fully compliant with HIPAA regulations. The unauthorized sale of personal data is not only unethical but also illegal, and I strongly believe that no company should profit from the exploitation of sensitive information that belongs to its customers. I am committed to resolving this issue in a fair and amicable manner and would appreciate your cooperation in ensuring that my rights, as well as those of other patients, are respected and upheld. Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights.. 


15. U.S.C 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1661 Section 604 A Section 2. Its also states a consumer reporting agency can not furnish a account without my written instruction
Product: Mortgage

On XXXX XXXX XXXX I signed a XXXX percent partial claim for XX/XX/XXXX and XXXX XXXX  mortgage payment. The total was {$6500.00}. 

On XXXX XXXX  I was approved for California HFA program and funds were sent to Loancare to cover the past due {$6500.00}. 

However, Loancare is trying to double dip because they still have the old partial claim for {$6500.00}. 

I asked for them to release the lien since they were paid from the California HFA program already. 

Loan care is double dipping.