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

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

To whom it may concern. 
My name is XXXX XXXX. I have an ongoing investigation/case on my account that I know was closed to avoid yearly fee of {$99.00}. 
XXXX XXXXbeginning of XXXX- I have called customer service line, spoke to representative and closed my account, told her I did not need the card and asked to waive the XXXX fee. She confirmed the account closure was successful and fee waived. Afterwards I have destroyed my card, my login information and everything else related to my account. I always keep my finances in order and I have explained to representative that I did not need another card with yearly fee. 
As stated, I removed all information I have regarding login and password on file and destroyed my card then. I have not been able to login to my card and have only last 5 digits of the card XXXX since then. When I call they locate my card by SSN and last 5 digits of the card. 
However, on XX/XX/, I have received a statement from AMEX. I've called and spoke to representative that I had already closed my account. Her name was XXXX. She informed me that I my account was still active!!! 
I've informed her that I did indeed close and she on her end made sure that time I do close my account. Also during the conversation I had asked to start investigation as to why my account was not closed. She assured me that they will send request to higher level and investigate. 
XX/XX/ - I receive the statement again for XXXX yearly fee. I call again, representative makes note on my account and tells me investigation is still in process and might take until XXXX. Makes note on my account. 

Afterwards I receive NO update and nobody attempts to contact me regarding investigation. 

XXXX XXXX  - I contact AMERICAN EXPRESS. The representative said investigation was closed and I still owed XXXX because " random '' phone conversations were checked and they could not locate my request to close my account back in summer. He said he would make a note and ask someone to contact me. 

I have created a complaint through XXXX  case number XXXX. I am seeking assistance as to I have no communication from AMEX and they would not waive the yearly fee because they say my account was not closed in time for a yearly fee waiver. I oppose and believe the representative intentionally did not close my account and falsely told me they did. 
I am very disappointed in the service and also having not received any updates, calls, emails regarding my case and the results. 

Again, I have no access to my card, login information and have no idea why the card wasn't closed on my first contact. 

Regards XXXX XXXX, Card ending in XXXX ( all I know )
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX   XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a dispute regarding multiple inaccuracies on my credit report that have been reported by the following agencies : Transunion, XXXX, XXXX, XXXX, and XXXX XXXX. Despite submitting requests for reinvestigation to these bureaus, no corrective action has been taken, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, I attached the letter from the Bankruptcy Court with each reinvestigation letter. 

Reference # XXXX Inaccuracy : Date Filed/Reported ( Transunion and XXXX date is XX/XX/2018 and XXXX date is XX/XX/2018 ) Inaccuracy : Reference #, Closing Date and Court Violation : This inaccurate reporting violates FCRA 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate information.

Violation : 15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed information.

I have submitted letters for 6 months requesting reinvestigation of the above inaccuracies to Transunion, XXXX, XXXX, XXXX, and XXXX XXXX, but no corrective action has been taken, nor have I received any updated results.
Product: Credit card

Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXXXXXXmerchant - XXXX, XXXX XXXX, XXXX ) XXXX XXXXXXXXXXXX
Product: Debt collection

On several occasions, this company has called 2-3 times back-to-back. They call when I am at work, and when I send the call to voicemail, they will simply call back, 1-2 more times at least. 

Most recently, they sent me notification about my debt in an open letter format. This was done by placing a door tag on my door notifying me that they were trying to collect on a debt and to contact them.
Product: Credit reporting or other personal consumer reports

15 US code 1666B timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637B of this title is mailed or delivered to the consumer not later than 21 days before payment due date XXXX, XXXX, and EXPERIAN are reporting this account as late for XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and XX/XX/year> I made a request for the XXXX XXXX  to provide documentary evidence that the periodic statements were mailed or delivered not later than 21 days before payment due due date XXXX XXXX  failed to provide documentary evidence. XXXX Failed to respond at all. 

I made a request to Experian to provide documentary evidence or have this item changed or removed from my report. That request was denied, nor did Experian provide documentary evidence. Experian denied my request. And has failed to remove the inaccurate information I made the same request to XXXX to provide documentary evidence that the periodic statements were sent not later than 21 days before payment due date. XXXX failed to provide documentary evidence. And denied my request. I dispute this adverse action on my report as it is an open end consumer credit plan and should not be reported as late for any purpose. 

I request {$1000.00} per infraction and immediate deletion of this account or this account reported as paid as agreed.
Product: Debt collection

I XXXX XXXX called XXXX XXXX to inquire about current bill to set up payment plan and was informed I had outstanding bills I had at the Medical Revenue Service XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX # XXXX XXXX XXXX XXXX ( collection agency ). I verified the amount owe. Amount of account owed ( {$360.00} / {$120.00} / {$12.00} ) I asked if I could just pay XXXX and was told I had to go through Medical Revenue Service. I called them immediately and paid a portion of my bill on XX/XX/XXXX and ask if this was on my credit and was told yes it was and I set up a payment plan. I was told it would be XXXX balanced once paid ( XXXX letter sent ) and paid as agreed on credit report and that meant that would be taken off my credit. I did not seek a settlement because I wanted to pay my debt and it was coming off my credit. A couple of weeks later I called and paid off the bills completely on XX/XX/XXXX and was told I would get a XXXX letter and it would take 10 days. I waited for the letter and received a statement in the mail. I called and inquired to see if the letter was coming and when will it would be taken off my credit. I was told that there is no letter that the statement shows XXXX balance and that's all I will get and they would not take it off my credit. I tried to explain to the representative and asked for a supervisor or manager I was told there is no one else I can talk to and the representative did not even attempt to send me to someone else. So now that I have paid my account they will not do anything for me as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both XXXX and Equifax. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.
Product: Mortgage

On XX/XX/2016 I filed with Quicken Loans to refinance my mortgage. I paid {$500.00} for the adjuster to give me price on my house. I currently have a FHA Loan at 3.5 % I sent every paper they asked for. Called them every few weeks for update on closing. On XX/XX/XXXX they told me the loan could not be finalized at the rate I was promised because too much time had lapsed. It is not my fault time lapsed. I want my {$500.00} for the adjuster that I paid in full as requested by Quicken Loan and than they cancel?
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.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Checking or savings account

A XXXX deposit didn't go thru. The bank did no call or send letters regarding all the overdraft fees they were charging. The never notified me about the fees and somehow my notifications were turned off. They took over {$800.00} and refused to reverse most of them even tho I am long time customer. I am basically facing bankruptcy because of this. I can not pay my bills. Hey took whole paychecks. I think {XXXX} is reasonable for 1 months time frame I would like XXXX back in order to recover.
Product: Mortgage

First, Im a XXXX veteran on a fixed income. Im property tax exempt. XXXX 2018 my township sent a bill to US Bank for my 2018 property taxes, this should of NOT happened. I had it out with my township and then called US Bank to ask them why they paid and why I was being charged XXXX $ per month. I have not missed a monthly payment. I argued with USB that I wasnt going to give them XXXX $ extra per month for how many months only to get it all back when the township sent the tax money back, which they did. I paid my monthly mortgage at the original amount, USB took the money and put it into a holding account until the they received the full mortgage amount at that time ( mortgage + taxes ). By doing this they have put me a month behind. Now they are charging me late fees every month even though I have never been late. I have called numerous times, they want me to make an extra payment. Sorry, but being a XXXX veteran on a fixed income, I dont have a XXXX $ laying around. They are also reporting this to the credit agencies. A XXXX dollar company and this is how they treat a XXXX veteran. If you are a veteran or not, do not use US Bank! They dont care about you or me.
Product: Debt collection

ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Just got a notification on my credit report that this was added yesterday. I have no outstanding balances and dont even own a credit card. My information was stolen in the XXXX data breach.
Product: Checking or savings account

Chase Bank I am reaching out regarding an issue with my account. Due to a problem at work, my account ran out of funds, and I was charged XXXX overdraft fees of {$34.00} each, totaling {$130.00}. I contacted chase support team and explained that these charges were for transactions that were placed on hold and never completed. However, my request to have the fees removed was denied. 

I spoke with an attendant named XXXX at XXXX XXXX ( XXXX XXXX ), who also refused to provide a case or registration number. He assured me that the bank could identify the call using only his name, which I find concerning for record-keeping purposes. 

I kindly ask for this matter to be reviewed and resolved as soon as possible. I appreciate your attention to this issue and look forward to hearing back. 
Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I was suppose to receive my ssi check. I did not. I called social security and direct express. It's now 19 days later and I still have not receive my money. Direct had the wrong address and phone number in the system and I have been calling every 3 to 5 days. Lately I have been calling everyday. For some reason they keep sending my money back. I have missed several doctors appointments and can not pay my bills and eat.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB
Product: Credit card

XX/XX/2024 XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened fraudulently. 
XX/XX/2024 XXXX XXXX XXXX XXXX application. 

I froze and locked my credit reports through XXXX, Equifax, and XXXX. Yet I am still getting fraudulent credit card applications. 

Equifax had a data breach is to blame for this yet they are not assisting people who are victims to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX or XXXX concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : 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 XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX- XXXX Experian : 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 -XX/XX/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 INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX XXXX : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX EXPERIAN : ADDRESS : XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX XXXX
Product: Student loan

I took out a student loan in 2007 from XXXX XXXX to pay for college. I recently finished XXXX school and the loan exited the grace period incurring a repayment fee. While the promissory note I signed at age XXXX did include a subsection effectively detailing that the company could tack on any fees they so desired at any point in time, I believe this to be unfair, deceptive and abusive. First, this provision was tucked away in subsection G of a boilerplate contract and was not disclosed in a clear and conspicuous manner. Second, the methodology of calculating this fee was never disclosed. Third, this fee is really a hidden origination charge and should have been disclosed as part of the interest rate disclosures that I am still unsure I ever received. The cumulative effect of these practices has resulted in monetary harm on my part, which I could not reasonably avoid because the fees were never disclosed to me and I had no way of calculating what they were going to be in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX   XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Credit reporting

I have repeatedly disputed issues with my credit bureau reports ( XXXX, Transunion, and XXXX ) and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all three agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e XXXX property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.
Product: Debt collection

NCA is listed on my credit file as a collection account in the amount of {$510.00}. I NEVER received any written notifications or calls about the alleged debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed several hard inquires that I did not give consent to. These inquires negatively impact my credit profile and were made without my explicit consent, violating FCRA section 604 which mandates permissible purpose for accessing a consumers credit report. Under the provisions of FCRA particularly sections 604, and 611 to dispute the accuracy of hard inquires appearing on my credit report and that the contested legitimacy of inquires. These are the companies and how many times they have inquired and the credit agency. 
XXXX XXXX : XXXX XXXX XXXX : XXXX EQUIFAX XXXX XXXX  : XXXX XXXX XXXX : XXXX EQUIFAX
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/XXXX, two companies made a credit inquiry without my consent to try to refinance a loan that I am currently paying with the Bank, which automatically caused my credit to drop XXXX points. These companies are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I need them to delete those inquiries from my reports because I take great care of my credit.
Product: Debt collection

I have previously requested a line item bill for this medical debt from the originating hospital & this company. Neither have provided it to me to show what was paid out by insurance. I never saw a doctor at the hospital but they show charges to a doctor. My repeated requests since XX/XX/2020 have gone unanswered and their collection tactics continue with robocalls to my phone. No written evidence of the debt & what was charged ( or for what ) has been provided.
Product: Credit card or prepaid card

Cash app card I opened up a minor child account with my cash app account I requested a money refund on behalf of my child 's cash app card for XXXX items not received from seller through website XXXX  cash app made a couple of cases to investigate they requested my evidence I gave them information requested then they denied it but I called and requested for case to reopen they did. nothing was happening so I asked XXXX for return of money they did refund and seller also refund but kept {$15.00} this took XXXX  months then cash app closed my child 's cash app card I called asked why we didn't do anything wrong but made a case for against seller taking my son 's money and not sending items cash app didn't give a reason said to go online cash app got upset because I kept calling them about refund request cash app customer service is out of the United States so they don't care about United States citizens they can care less if fraudulent activity happens if cash app can't handle these types of problems why are these types of apps allowed to exist in the United States keep customer service here in the United States to help its own citizens
Product: Bank account or service

I attempted to refinance my home. Each time I spoke with them it was a new document they needed. I was told each time they needed nothing new. This went on for over 4 months. I even paid XXXX for an estimate to be completed on my home for the refinance out of pocket. I was then told the rate was no longer good, and I 'd have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

Thank you